Credit union · NCUA insured
POLAM Federal Credit Union
Top CarrotA $73.4M credit union headquartered in Los Angeles, CA, with 2,104 members and 2 branches in California. Best rates: CDs 4.40% and savings 0.30% APY.
POLAM Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#11 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About POLAM Federal Credit Union
Formed in 1969 as the Polish-American Congress Federal Credit Union of Southern California, POLAM Federal Credit Union was established as a financial cooperative resource to serve the needs of Polish immigrants.
The credit union operates branches in Los Angeles and Orange, California.
- Headquarters
- 5301 Rosewood Ave, Los Angeles, CA 90004-3029
- NCUA charter
- 19739
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Polish American Congress in Arizona are eligible for membership.
- Polish-Americans living in Southern California, or individuals living in Southern California who are members of the Polish American Congress by making a minimal, one-time donation.
- Members of the Northwest Ohio Polish Cultural Center in Toledo, Ohio are eligible for membership.
Family and household
- Friends and families of Polish-Americans living in Southern California, or a family member of an existing member.
Cost to join
- A minimum deposit of $5.00 is required to open a savings account.
- A $20 supporting membership fee is due if not already a member of the qualifying associations or a family member of an existing member.
Branches
2 branches in California
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California
2 branches
- Polam FCUMain office5301 Rosewood Ave, Los Angeles, CA 90004Directions
- Orange Branch1700 N Tustin St, Orange, CA 92865Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.91% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio9.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.91%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of POLAM Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.