Polam Credit Union Orange CA | Top Auto Loans & Business Banking

Introduction

Welcome to Polam, your trusted financial partner located at 1700 N Tustin St, Orange, CA 92865. Established in 1969, we have grown to serve a vibrant community of 2,097 members, providing them with personalized banking solutions that meet their unique needs. With total assets amounting to an impressive $73,444,264 and a solid net worth of $7,536,479, we are committed to ensuring your financial stability and success. At Polam, we understand the importance of trust and reliability in banking. That's why our dedicated team, led by our CEO Jennifer Audette and Board President Mariusz Kicinski, is here to support you every step of the way. We offer a range of services including personal checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards all designed with you in mind. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 1700 N TUSTIN ST, ORANGE, CA 92865-4603. With total deposits reaching $4,368,485 and cash in hand totaling $247,157, we ensure that your funds are safe and easily accessible whenever you need them. Our commitment extends beyond just numbers; we strive to make a positive impact in our community through various initiatives and support programs. Ready to experience banking that truly cares? Feel free to reach out to us at 714-998-1016 or explore more about our offerings on our website Polam. Whether you're looking for guidance on loans or simply want to open an account, we're here for you!

Branch History & Mission

Community Engagement

Our commitment to the community is evident through various partnerships and initiatives aimed at uplifting those around us. Whether it's hosting financial literacy workshops or collaborating with local organizations, Polam actively seeks ways to give back and strengthen our community bonds. While members can visit us at 1700 N Tustin St for all their banking needs, official correspondence should be sent to our mailing address: 1700 N TUSTIN ST, ORANGE, CA 92865-4603.

Join Us Today

We invite you to become part of the Polam family! Experience firsthand the benefits of membership at our branch. Whether you're looking for personal banking solutions or business support, we are here for you every step of the way. Let us help you achieve your financial goals while making a positive impact in our community together! For more information about membership eligibility or services offered, please visit our website or call us at 714-998-1016. We look forward to welcoming you!

Our Mission

At the core of our mission is a simple yet powerful belief: we exist to empower our members and enhance their financial well-being. We strive to create an environment where everyone feels welcome and valued. Our focus extends beyond just financial transactions; we aim to foster strong community ties by supporting local initiatives and outreach programs. Polam is dedicated to utilizing modern technology to improve your banking experience. While we currently do not offer ATMs or drive-thru services, we ensure that our digital services are user-friendly. Members can easily access online banking features and mobile payments, making it convenient to manage finances on-the-go.

Branch Location & Accessibility

Welcome to the Polam Orange Branch, your friendly neighborhood credit union located at 1700 N Tustin St, Orange, CA 92865. We are proud to be part of the vibrant Orange community, just a short drive from local landmarks like the beautiful Orange County Great Park and the bustling Old Towne Orange Historic District. At our branch, we understand that convenience matters. Whether you're stopping by for personal banking or business services, our location is designed with you in mind. We offer accessible parking and ADA-compliant features to ensure all members of our community can visit us comfortably. Our lobby hours are invitingly flexible: we're open from 10 AM to 5 PM on weekdays and from 10 AM to 3 PM on Saturdays. This means you can easily fit your banking needs into your busy schedule! While we currently do not have an ATM or drive-thru service available, we provide essential shared services for partner credit union members, including basic transactions like deposits and withdrawals. Should you need to reach us, feel free to call us at 714-998-1016. Our dedicated team is here to assist you with a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. While members can visit us at 1700 N Tustin St for all their banking needs, please note that any official correspondence should be sent to the same mailing address: 1700 N TUSTIN ST, ORANGE, CA 92865-4603. We invite you to stop by our Polam Orange Branch soon your financial journey starts here!

Member Eligibility

Becoming a member of Polam is like joining a family that truly cares about your financial well-being. We welcome individuals who live, work, or worship in our community, as well as their family members. This inclusive approach means that if you're looking for a place where you can feel valued and supported, you've found it! At Polam, we provide a range of benefits designed to help you thrive, from competitive loans to personalized banking services. To learn more about the specific eligibility criteria, feel free to check out our detailed guidelines at https://polam.org/become-a-member/ . Ready to take the next step? Opening an account is simple, and we're here to help! If you have any questions or need assistance, don't hesitate to give us a call at (714) 998-1016. Join us today at our branch located at 1700 N Tustin St Orange Ca 92865, and experience the difference of being part of the Polam community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,785,375, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to financing, we offer merchant services designed to simplify your daily operations. Imagine being able to accept payments easily from customers, whether they prefer cash, credit cards, or mobile payments. Our merchant services empower you to focus on what matters most growing your business. Located at 1700 N Tustin St Orange Ca 92865, Orange, CA 92865, we invite you to visit us or call us at (714) 998-1016 to learn how our tailored solutions can benefit your business today!

Comprehensive List Of Services

Accessibility and Support

Our team is here to assist you every step of the way. If you have questions about any of our services or need guidance in selecting the best options for your financial goals, don't hesitate to reach out! You can contact us at (714) 998-1016 during regular hours: Monday through Friday from 10 AM to 5 PM and Saturday from 10 AM to 3 PM. At Polam, we're dedicated to fostering a supportive community where all members feel valued. Explore our comprehensive suite of services today by visiting us online at https://polam.org/ or stop by our branch in person. We look forward to serving you!

Business Banking Services

If you're a business owner, we support your journey with tailored solutions too. Our business banking services, including merchant services and business loans, are structured to help you grow your enterprise without added stress.

Digital Banking Convenience

In today's busy world, convenience is key. That's why Polam offers robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. Whether it's checking your balance, transferring funds, or paying bills on the go, our digital platforms make banking simple and accessible.

Personal Banking Solutions

We understand that managing finances can sometimes feel overwhelming. That's why our personal banking services are designed with you in mind. From checking and savings accounts that help you manage your day-to-day expenses and save for future goals, to auto loans and vehicle financing that make it easier to get behind the wheel of your dream car, we've got you covered. If you're thinking about purchasing a home, our mortgage loans and refinancing options can help you find the right solution for your situation. For those times when life throws unexpected expenses your way, consider our personal loans and debt consolidation options. We aim to provide flexible terms and competitive rates to give you peace of mind. And don't forget about our credit cards with rewards, which offer great benefits for everyday purchases.

Shared Branch Transactions

For members who may need assistance beyond our branch hours or locations, we provide basic shared branch transactions. This service allows deposits and withdrawals for partner credit union members, ensuring you have access to your funds when you need them.

Digital & Online Banking

Mobile Banking at Your Fingertips

For those who prefer banking on their smartphones, our mobile application is ready for download. It gives you access to all the features of online banking while allowing you to make mobile payments effortlessly. Whether you're grabbing coffee or shopping for groceries, managing your finances has never been more convenient.

Stay Informed with E-Statements

Keeping track of your financial activity is simple with our e-statements. You can view them anytime through our online portal, which helps reduce clutter while keeping your information secure. Plus, we prioritize your safety; even though we don't offer electronic signature authorization at this time, rest assured that your data remains protected. At Polam, we believe that banking should be straightforward and stress-free. From real-time account management to accessible mobile options, we're here to support you every step of the way. Experience the freedom of digital banking today!

Financial Strength

Growing Member Trust

Our financial strength is evident in the trust our members place in us, as shown by the total share accounts of 3,553. This growing member base reflects our reliability as a credit union where your needs come first. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Polam is your trusted partner. Visit us at 1700 N Tustin St Orange Ca 92865 or call (714) 998-1016 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our performance reflects operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 9 full-time employees and 2 part-time employees who are dedicated to serving you with knowledge and commitment.

Reinvesting for Your Benefit

With $7,536,479 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is further supported by $120 in used auto loans and $38,782,342 in total loans and leases, helping our members achieve their financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $39,390,221 in share certificates and $1,088,076 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,125,508, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $7,536,479, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,026 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We've already issued over $2,098,219 in used vehicle loans and $1,143,300 in new vehicle loans, helping our members get on the road with ease. We also offer refinancing options if you're looking to lower your monthly payments or adjust your loan terms.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $2,785,375 are designed to provide the capital needed for growth and expansion. We're committed to supporting local businesses and helping them thrive.

Conclusion

At Polam, we strive to make financing accessible and straightforward for everyone. Whether you need an auto loan, mortgage financing, or support for your business, we're here to help you navigate the borrowing process with confidence. For more information or to discuss eligibility options, feel free to reach out at (714) 998-1016. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Card Loans

For those managing day-to-day expenses, we provide flexible terms on unsecured credit card loans. With a total of $278,330 in loans available, our credit cards can help you manage finances effectively while also earning rewards for your spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,010,847, tailored to fit your budget and needs. Whether you're purchasing your first home or refinancing an existing mortgage, we're here to guide you through every step.

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POLAM FEDERAL CREDIT UNION