Polam Credit Union Sacramento CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Polam, your trusted partner in financial well-being located at 4313 Elkhorn Blvd, Sacramento, CA 95842. Since our establishment in 1973, we've been dedicated to serving our community with personalized banking solutions that empower you to achieve your financial goals. With over 3,394 members and 21 employees ready to assist you, we pride ourselves on being more than just a credit union; we are a supportive community committed to your success. At Polam, we understand that every member's journey is unique. That's why we offer a variety of services, including personal banking, auto loans, mortgage financing, and business banking options designed to meet your specific needs. Our total assets stand at an impressive $74,380,698, ensuring that we have the resources to support you today and into the future. Our leadership team, led by CEO Mark Chrzanowski and Board President Andrzej Wolny, is focused on providing exceptional service while maintaining a strong financial foundation. With a net worth of $10,527,777 and total deposits reaching $1,064,443, you can trust that your money is safe with us. While members can visit us at our branch address for any inquiries or transactions, official correspondence should be sent to the same address: 4313 Elkhorn Blvd, Sacramento, CA 95842. We encourage you to reach out to us at 916-727-0730 during our operating hours Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM to learn how we can assist you further. Join us at Polam today and experience the difference of being part of a credit union that truly cares about its members. Whether you're looking for competitive rates on loans or expert advice on managing your finances, we're here for you every step of the way!

Branch History & Mission

Welcome to Polam, a cornerstone of the Sacramento community since 1973. Located at 4313 Elkhorn Blvd, Sacramento, CA 95842, our branch has built a rich legacy of serving the financial needs of our members while fostering a spirit of community. As we look back on our journey, it is inspiring to see how far we have come together. From our humble beginnings, Polam has grown to serve over 3,394 members with total assets reaching an impressive $74,380,698. Our mission is clear: we are dedicated to providing exceptional financial services that empower individuals and families. We believe in making banking accessible and affordable for everyone in our community. This commitment drives us to offer a range of personal banking services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our approach is not just about numbers; it's about people. Polam actively participates in community outreach efforts, partnering with local organizations to support initiatives that uplift our neighborhoods. We understand that true success comes from helping each other thrive. While members can visit us at our branch address, official correspondence should be sent to the same location: 4313 Elkhorn Blvd, Sacramento, CA 95842. Our team is here for you during convenient hours Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. In an effort to enhance member experience, we have embraced technology with online and mobile banking options available for ease of access. Our commitment to ADA compliance ensures that all members can enjoy our services without barriers. We also take pride in being part of a shared service center network which allows our members access to basic transactions at partner credit unions across the country. Although we do not currently offer ATMs or drive-thru banking at this location, we are always looking for ways to improve your experience. At Polam, our mission extends beyond banking; it's about building lasting relationships within the community. We invite you to join us on this journey as we continue to grow together. Experience the benefits of membership today by reaching out at 916-727-0730 or visiting us online at polamfcu.com. Together, let's make a positive impact in Sacramento!

Branch Location & Accessibility

Accessibility Features

At Polam, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can comfortably navigate our space. With ample parking available and ramps for easy entry, we strive to make your visit as smooth as possible.

Convenient Location

Situated in Sacramento County, our branch is easily accessible for both residents and visitors alike. Whether you're heading over from the nearby shopping centers or just passing through the area, you'll find us welcoming and ready to assist you with your banking needs.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed for your convenience. You can visit us Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 6 PM. On Saturdays, we're open from 9 AM to 1 PM, giving you flexibility throughout the week to manage your finances.

Services Offered

Polam offers a range of personal banking services, including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. Although we currently do not have ATM facilities or drive-thru service at this location, we do provide basic shared branch transactions for partner credit union members. While members can visit us at 4313 Elkhorn Blvd for all their banking needs, any official correspondence should be sent to the same address since our mailing address is the same. Feel free to reach out at 916-727-0730 if you have questions or need assistance before visiting. We look forward to welcoming you at Polam! Come in today and discover how we can help you achieve your financial goals!

Member Eligibility

At Polam, we believe that becoming a member is like joining a warm and welcoming family dedicated to your financial well-being. If you're looking to join us at our branch located at 4313 Elkhorn Blvd Sacramento Ca 95842, you're in luck! Membership is open to anyone who lives, works, worships, or attends school in the area, making it easy for you to take part in our community-focused services. We aim to support you with a range of financial options, from checking and savings accounts to auto loans and personal financing. To learn more about the specific eligibility criteria, feel free to check out this helpful resource: Eligibility Details. Getting started is simple! You can reach out to us at (916) 727-0730 during our operating hours, or visit us in person for assistance with opening your account. We're excited to have you become a part of our growing family at Polam!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 in commercial loans for our members, helping businesses scale and succeed. Imagine a local café that expanded its space to accommodate more customers or a tech startup that upgraded its equipment all made possible through our loans.

Non-Member Commercial Loans

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This means whether you're just starting out or looking to expand an established business, we have options that fit your needs.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $3,586,286, we continue to drive economic growth by financing new and expanding businesses. From retail stores to service providers, our loans are designed to meet diverse business goals. Additionally, our merchant services simplify payment processing, making it easier for you to focus on running your business. Whether you need help with transactions or seeking ways to enhance customer experience, we're here for you every step of the way. Visit us at 4313 Elkhorn Blvd Sacramento Ca 95842 in Sacramento, or call us at (916) 727-0730 to learn how we can support your business today!

Comprehensive List Of Services

Business Banking Services

If you own a business, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your enterprise's growth. We know how vital it is for businesses to have reliable financial backing, so we're here to assist you in every way we can.

Digital Banking Convenience

At Polam, we embrace technology to enhance your banking experience. With our online and mobile banking features, managing your finances is just a tap away. Check balances, transfer funds, or pay bills anytime and anywhere it's banking made easy! While we currently do not have ATM services at this branch, our partnership with shared service centers means that you can still access essential cash withdrawal services conveniently when needed.

Loans and Credit Options

In addition to auto loans, we also provide personal loans and debt consolidation options. If you're facing financial challenges or looking to combine multiple debts into one manageable payment, our solutions can give you peace of mind. Don't forget about our credit cards with rewards, which offer great benefits for everyday purchases. You can earn points on your spending, turning your routine expenses into exciting rewards.

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer various checking and savings accounts designed to fit different lifestyles. Whether you're saving for a special occasion or managing your everyday expenses, our accounts come with features that make banking simple. If you're considering a new vehicle, our auto loans and vehicle financing options can help you hit the road without breaking the bank. We offer competitive rates that ensure you get the best deal possible, allowing you to drive away in your dream car. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services are tailored just for you. Our knowledgeable staff will guide you through each step, making the process smooth and stress-free.

Your Trusted Financial Partner

We pride ourselves on being more than just a credit union; we're your trusted financial partner. Our commitment to exceptional service is reflected in everything we do from basic shared branch transactions like deposits and withdrawals for partner credit union members to personalized advice from our friendly staff. If you have any questions or want to learn more about how we can assist you financially, please don't hesitate to reach out at (916) 727-0730. We invite you to visit us at 4313 Elkhorn Blvd Sacramento Ca 95842 and discover how Polam can support your financial journey today!

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements! They're not just eco-friendly; they also give you instant access to your account statements without the wait. You'll appreciate the convenience of having all your important documents organized in one place. For those always on the go, our mobile application is a game changer. It allows you to manage your accounts from your smartphone, making it easy to make payments, view transactions, and even set up mobile payments for quick purchases. Plus, our person-to-person transfer feature lets you send money directly to friends and family with just a few taps.

Security and User-Friendliness

At Polam, we prioritize your security. Our digital services come equipped with top-notch security measures to protect your information while ensuring a user-friendly experience. You can bank with confidence knowing that your data is safe. In summary, whether you're at home or out and about, our digital and online banking services provide the accessibility and ease-of-use that modern members expect. Join us today at Polam and experience a smarter way to manage your finances!

Financial Strength

Growing Member Base

The strength of our community is further shown by having 6,333 total share accounts, which reflects a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $2,463,245, reinforcing our ability to support your needs effectively. 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 4313 Elkhorn Blvd Sacramento Ca 95842 or call (916) 727-0730 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

Our commitment to our members is reflected in our $10,527,777 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $1,036 in used auto loans and $63,416,457 in total loans and leases, we support your financial goals across various sectors.

Member Savings Secured

Your savings are our priority. We secure them through $7,923,265 in share certificates, providing stable and rewarding growth opportunities. Additionally, although we focus on our members first, we also manage $2,242,000 in non-member deposits ensuring that our resources benefit you directly through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $0. This figure enables us to continue offering competitive loan rates and solid financial products tailored for you. We take pride in having a dedicated team with 14 full-time employees and 7 part-time employees ready to assist you.

Solid Financial Foundation

With a net worth of $10,527,777, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,415 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 offer some of the lowest rates in the industry, with over $4,941,521 in used vehicle loans and $2,764,344 in new vehicle loans already helping members get on the road. Whether you're interested in purchasing a brand-new model or a reliable pre-owned vehicle, we have options that fit every budget and lifestyle.

Credit Lines and Commercial Loans

In addition to personal financing options, we cater to business owners too. Our outstanding commercial loans totaling $3,586,286 provide the capital needed for growth and expansion. Additionally, our total credit lines amounting to $5,000,000 ensure you have access to funds when you need them most. Our team is here to guide you through every step of the process and assist with refinancing or eligibility options if needed. We want to ensure you find the right financial product that meets your needs. For more details on any of these loan offerings or to start your application process today, don't hesitate to contact us or visit our website at polamfcu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,404,799. This is an excellent opportunity for those ready to invest in their future through real estate.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. With a total of $168,318 in loans helping members manage their finances effectively, our credit cards come with rewards that can enhance your spending power while keeping costs manageable.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help users navigate their lending options with confidence. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers for all users. Each loan comparison reflects current market conditions, helping potential borrowers make informed decisions. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users have access to accurate information. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best available options. With real-time rate comparisons, LendMesh allows users to see up-to-date loan rates from multiple institutions at once. This feature empowers individuals to find the right loan products that suit their needs without having to search through various lenders separately. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of LendMesh as a valuable resource for those seeking loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

POLAM FEDERAL CREDIT UNION