Resident Rate or Passholder Rate is the lowest that you get. Try check out the "mousesavers" site for the latest info, they've got all the tips and codes.
The Polynesian Resort holds so many wonderful memories for our family that they all overflow into each subsequent visit. It's like "going home" and our children enjoy it as much as my lovely wife and I do. From a very early age we played a game on the monorail coming into the resort grounds. There's a Tiki face on one of the first buildings you see following an outcrop of bamboo. They're getting old to care for it now, but when we passed that bamboo we'd all keep a look out for "the face". I'm betting they'll remember and play it with their kids some day.
It's well worth the money for a visit, maybe even a split hotel trip. Just do yourself a favor and give it at least 3 nights. That's enough to soak in the environment and really take in the details.
Enjoy...