POLAM Federal Credit Union Annual Meeting

NEW MEETING LOCATION: The 2025 annual meeting, which is held in 2026, will take place at Our Lady of the Bright Mount, Polish Church located at 3424 West Adams Blvd, Los Angeles CA 90018.

Nominations may be made by submission of a petition (available by contacting POLAM FCU at 800-404-5137 or email at polam@polam.org) with a minimum of 20 valid* signatures from primary account holders/members of POLAM FCU, at least 40 days before the annual meeting (Friday, April 4, 2026, AT 5:00PM). Nominees must file the nomination by petition with an employee of the credit union. To be validated, nominees must include a signed certificate with the nomination petition stating that they are agreeable to the nomination and will serve if elected to office. Please note that the credit union will not conduct the election by mail-in-ballot, according to our bylaws, and there will be no nominations allowed from the floor. For more detailed information or to obtain the necessary forms, please contact POLAM at 800-404-5137. *We may not disclose the validity of membership due to confidentiality, so it is recommended that you turn your forms in early or obtain extra signatures in the event that a signature does not qualify. No extensions may be granted if forms are incomplete or invalidated once the deadline has passed. **The primary member on the account is the only voting member. One vote per membership. If you would like to vote, please ensure that you have an account under your name as the primary member in time for the election. Organizations may appoint a delegate with via corporate resolution stating who has been elected to vote on behalf of the organization. ***We will begin promptly at 2:00pm so please arrive early to check in and socialize. Light refreshments will be served.

Home Loans

POLAM is a portfolio lender which means that we do not sell our loans to investors like most financial institutions. 

Auto Loans

POLAM finances up to 125% of the purchase price on new auto loans including tax, license, and optional GAP coverage, with flexible terms.

Online Banking Login

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Home Loan Assistance

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ATMs & Shared Branches

With over 5,000 co-op shared branches and over 30,000 ATMs throughout the United States, we have convenient locations where you live, work and travel.

Make a Payment

We want to make things easier for you! Make a payment to your POLAM FCU loans or credit cards from any external account.

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We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Become a Member

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Lost or Stolen Cards

Please call these numbers outside of POLAM normal office hours. During business hours, please call us directly at
800-404-5137.

For lost or stolen POLAM Visa Credit Cards

For lost or stolen POLAM Visa ATM/Debit Cards

POLAM Federal Credit Union

Candidate Statements

Candidates appear in alphabetical order by last name.

Biographical information is supplied by the candidates. POLAM FCU does not endorse any candidate.

Andrew (Andy) Dobrzynski

Member of POLAM FCU since 1970 and Board Member since 2003, ensuring POLAM is, and remains, a strong financial institution. I have brought many new members, friends of Poland, to join POLAM, including many employees of the management and billing service that I have owned for 33 years.

Theresa Dudzick

Theresa holds a BA in Philosophy and French, minor in International Business, and completed certificate programs in Fundraising & Institutional Development. She works as a business manager. Theresa serves on the following boards: POLAM FCU, PUCLA, PAC of So CA, Polish Retirement Foundation, Friends of JPII Foundation of So CA.

Mariusz Kicinski

Graduate of the Warsaw School of Economics and California State University, Los Angeles. IT business applications consultant with experience at Fidelity National Financial, IBM, Adidas, National Media, Spectrum Brands, Fairchild Fasteners, and IGT. POLAM Board Member since 1994 and Chairman for 20 years.

Anthony Novak-Przygodzki

National Treasurer for Polish National Alliance. 35 years of credit union industry experience. Vice President and Senior Manager with Wescom. Bachelor’s degree from California State University Fullerton. Graduate from Credit Union Management school, specific executive program. Past POLAM Supervisory Committee Chairperson believes in cooperation and collaboration to advance credit union.

Danuta (Donna) Zuchowski

Retired human resources executive with leadership experience at Premier Healthcare Services, Randall Foods, and Baskin-Robbins. From a family devoted to Polish community service and active with Krakusy, Helena Modjeska Art and Culture Club, and POLAM FCU.

POLAM Federal Credit Union

POLAM FCU 2026 ANNUAL MEETING PROPOSED STANDING RULES

(To be adopted by majority vote at the beginning of the meeting)

Authority
  1. This Annual Meeting shall be conducted in accordance with the Federal Credit Union Act, NCUA regulations, the Official Federal Credit Union Bylaws applicable to POLAM Federal Credit Union, and Robert’s Rules of Order Newly Revised (12th ed.), in that order of precedence. [BYLAW]
Rights of Members; Voting and Credentials
  1. Subject to Article XIV and any applicable board-adopted limitation-of-services policy; members otherwise eligible under the bylaws retain the right to attend, participate, and vote at the annual meeting even if they are not in good standing. [BYLAW]
  2. Each member is entitled to one vote. [BYLAW]
  3. Proxy voting is not permitted. [BYLAW]
  4. A member other than a natural person may vote only through an agent designated in writing for that purpose. [BYLAW]
  5. Members must be at least sixteen (16) years of age by the date of the meeting in order to vote, sign nominating petitions, or sign petitions requesting special meetings. [BYLAW]
  6. Ballots shall be issued only after voter eligibility is verified under the membership records and the bylaws.
Quorum
  1. Fifteen (15) members constitute a quorum. [BYLAW]
  2. Once a quorum is established, it is presumed present unless a point of no quorum is timely raised.
Order of Business
  1. The meeting shall follow the adopted Annual Meeting Agenda, provided the agenda includes the items required by the bylaws. [BYLAW]
  2. Ceremonial items, recognitions, speeches, and logistical announcements shall not displace the required business of the annual meeting.
  3. Business that is not properly before the membership under the bylaws, the adopted agenda, or applicable parliamentary law is out of order.
Recognition and Debate
  1. Members must be recognized by the Chair before speaking.
  2. When recognized, members shall state their name for the record and address all remarks to the Chair.
  3. Remarks must be germane to the pending business item and conducted in a respectful manner.
  4. Except by permission of the assembly or as otherwise allowed by parliamentary law, no member may speak more than two (2) minutes at a time or more than twice on the same question while others seek recognition.
  5. Total debate on any single item of business shall not exceed ten (10) minutes unless extended by majority vote.
Questions During Reports
  1. Questions or comments during the reports portion shall relate only to the report currently under consideration.
  2. Each recognized member is limited to one (1) minute per question or comment at a time. Follow-up questions require recognition by the Chair.
  3. The total question-and-answer period for reports shall not exceed seven (7) minutes unless extended by majority vote.
  4. Discussion of confidential personnel, legal, supervisory, or other matters not appropriate for open annual meeting discussion is out of order.
Non-Agenda Correspondence and Presentations
  1. There is no general open-forum or public-comment period except as provided in the adopted agenda.
  2. Correspondence submitted by members may be acknowledged and retained with the meeting records.
  3. No member or officer may read correspondence, make a presentation, or begin debate on a matter not on the agenda while no question is pending unless permission is granted by the assembly consistent with Robert’s Rules of Order.
Motions
  1. Main motions are in order only when the applicable business item is before the membership or during the proper order of business, unless otherwise permitted under parliamentary law.
  2. Main motions require a second.
  3. Amendments and secondary motions must be germane to the pending question.
  4. Voting on motions shall be by voice vote, show of hands, or another method directed by the Chair unless the bylaws require ballot voting or the assembly orders another method.
Elections
  1. Elections shall be conducted in accordance with Article V of the bylaws. [BYLAW]
  2. If there is only one nominee for each open position, the Chair may conduct the election by voice vote, general consent, or acclamation as permitted by the bylaws. [BYLAW]
  3. If more nominees than open positions are properly before the membership, the election shall be by secret ballot and determined by plurality of vote. [BYLAW]
  4. In the event of a tie, a runoff election shall be conducted between the tied candidates.
  5. Runoff ballots shall be clearly distinguishable from the original ballots, issued only to members verified as eligible voters, and permit voting for only one of the tied candidates. The candidate receiving the greater number of votes in the runoff election shall be declared elected.
  6. If there are sufficient nominations by committee or petition to provide at least one nominee for each open position, there shall be no nominations from the floor, as provided in the bylaws. [BYLAW]
  7. Election tellers appointed by the Chair shall distribute, collect, and count ballots and shall submit the results in a signed written tellers’ report. [BYLAW]
  8. Ballot instructions shall state the number of open positions and the maximum number of candidates for whom a member may vote. A ballot marked for more candidates than permitted is invalid as to that contest.
  9. No proxy vote may be cast in the election. [BYLAW]
  10. No absentee, mail, or electronic ballot process shall be used unless formally authorized under the bylaws and the credit union’s adopted election procedure. [BYLAW]
  11. Before voting begins, the Chair or Head Teller shall announce one exact closing time for the ballot box. Voting shall not close before that announced time.
  12. Voting shall remain open until the announced closing time. The ballot box shall not be closed prior to that time unless extended by the Chair or by majority vote.
  13. Voting materials shall be handled in a manner that preserves ballot secrecy. [BYLAW]
  14. The Chair shall announce election results only from the signed written tellers’ report. [BYLAW]
  15. Any immediate procedural point of order regarding the conduct of the election shall be raised promptly after the results are announced.
Candidate Statements
  1. Each candidate may speak for up to two (2) minutes, in ballot order or in another order announced by the Chair that is consistent with the final ballot and meeting script.
  2. Candidate remarks must be confined to campaign statements relevant to the election and conducted with decorum.
  3. All formal candidate statements and official meeting proceedings shall be conducted in English unless the Chair announces an approved translation procedure.
Decorum and Conduct
  1. Members shall maintain respectful conduct at all times.
  2. Personal attacks, accusations, shouting, disruptive behavior, and speaking without recognition are out of order.
  3. The Chair may call a member to order, require the member to yield, and take reasonable steps necessary to preserve order and the rights of the assembly to conduct business.
Recording and Minutes
  1. The Secretary shall prepare the official minutes of the meeting in accordance with the bylaws. [BYLAW]
  2. Correspondence received for the annual meeting may be retained with the official meeting records.
  3. Members may not audio-record or video-record the proceedings without permission of the Chair, except for the Board Secretary for purposes of drafting the minutes, and as otherwise required by law.
Adjournment
  1. The meeting shall adjourn upon completion of business or by majority vote of the members.

Our New Temporary Location

Thank you, POLAM members, for your patience following the damage to our Los Angeles building caused by a car accident. The accident resulted in significant damage to the office, but thanks to our disaster recovery plan, we experienced not even one hour of downtime and remained open through our emergency backup location at JACOM Credit Union, as well as our Orange County office.

It was reassuring to see our disaster recovery plan work seamlessly and exactly as intended. We have also successfully secured a temporary office location while repairs are underway at the Larchmont office — and there are even parking spots available.

Please use only the parking spaces labeled POLAM, which are located in the adjoining lot one block from the Larchmont office.

Our temporary address is:

5301 Rosewood Ave
Los Angeles, CA 90004

Business hours remain the same, and our telephone numbers have not changed.

We will have a soft opening on Friday, April 10. We are doing our best to handle full-service transactions, but we are still in an adjustment period. There may be times when a printer does not work or a receipt does not print, so we ask for your patience as we begin operating in this new location faster than we thought possible.

There may be a few hiccups along the way, and we sincerely appreciate your patience and understanding. We have worked tirelessly to be back open for you in person.