Credit union · NCUA insured
POLAM Federal Credit Union Auto Loan Rates
Top CarrotPOLAM Federal Credit Union auto loans start at 4.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How POLAM Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where POLAM Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
POLAM Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto Loans
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
POLAM Federal Credit Union auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where POLAM Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loans
Finances up to 125% of purchase price including tax and license. Comprehensive insurance naming credit union as loss payee is required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.24% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate. |
| up to 36 months | 4.49% | Lowest rate is the preferred rate with a FICO score of 700 & higher. |
| up to 48 months | 4.34% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate. |
| up to 48 months | 4.59% | Lowest rate is the preferred rate with a FICO score of 700 & higher. |
| up to 60 months | 4.49% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate. |
| up to 60 months | 4.74% | Lowest rate is the preferred rate with a FICO score of 700 & higher. |
| up to 72 months | 4.74% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate. |
| up to 72 months | 4.99% | Lowest rate is the preferred rate with a FICO score of 700 & higher. |
| up to 84 months | 5.49% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate. |
| up to 84 months | 5.74% | Lowest rate is the preferred rate with a FICO score of 700 & higher. |
Used Auto Loans
Lends up to 125% of Lending Value determined by Kelley Blue Book Quick Values. Requires comprehensive and collision auto insurance with maximum deductible of $1,000.00. Vehicles older than 7 years subject to additional 1% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. Vehicles older than 7 years subject to additional 1% APR. |
| up to 36 months | 4.99% | Vehicles older than 7 years subject to additional 1% APR. |
| up to 48 months | 4.74% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. Vehicles older than 7 years subject to additional 1% APR. |
| up to 48 months | 4.99% | Vehicles older than 7 years subject to additional 1% APR. |
| up to 60 months | 5.49% | Vehicles older than 7 years subject to additional 1% APR. |
| up to 72 months | 5.74% | With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. Vehicles older than 7 years subject to additional 1% APR. |
| up to 72 months | 5.99% | Vehicles older than 7 years subject to additional 1% APR. |
Who can join POLAM Federal Credit Union
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.
Membership information collected October 5, 2026.