About The Police Credit Union
Our mission is to take care of our law enforcement members’ financial well being – today and into the future.
In 1953, a small group of policemen created The Police Credit Union based on their mutual financial needs and unpaid bills. They wished to avoid the high cost of borrowing money from loan companies and banks, so they formed a committee and opened a credit union in Golden Gate Park.
For more than 70 years, and now with over 42,000 members we have steadily built a strong foundation to provide financial solutions to the unique membership we serve. We're proud to extend the benefits of membership to law enforcement and supporters like you, as we continue to build our financial strength as your trusted financial partner.
The Benefits of Joining The Police Credit Union
|Offers an all-encompassing suite of financial services, including checking and savings accounts, loans, credit cards and much more.
|Checking: Pays dividends, with no minimum balance requirements or monthly service fees and qualifying for ATM surcharge rebates is easy.
|Not-for-profit organization so we can offer better rates on loans and savings with a focus on keeping fees low.
|Members are also owners, and decisions are made in their interest, not stockholders.
|Free financial education programs, wide selection of discounts on services, and specialized products designed for the unique needs of law enforcement.
You may join The Police Credit Union’s membership ranks if you are a family member of a current member, or if you’re part of an eligible group (see details below).
California Law Enforcement
- All Law Enforcement
- Law enforcement personnel and their civilian co-workers, including volunteers, within State of California employed by any municipal, county, state or federal agency or special district.
Fire, EMT and Court Employees within the 9 Bay Area Counties
- Firefighters who volunteer for, or are an employee of, any municipal, county, state or federal agency or special district within the counties of San Francisco, Marin, Sonoma, Napa, Solano, Contra Costa, Alameda, Santa Clara and San Mateo and their department’s civilian employees.
- Emergency Medical Technicians who are a volunteer for, or an employee of, any municipal, county, state or federal agency or special district or contracted private ambulance service within the counties of San Francisco, Marin, Sonoma, Napa, Solano, Contra Costa, Alameda, Santa Clara and San Mateo and their department’s civilian employees.
- Court Employees
- Employees of the Superior and Municipal Courts of the Counties of San Francisco, Marin, Sonoma, Napa, Solano, Contra Costa, Alameda, Santa Clara and San Mateo.
- Immediate family members (to include grandparents, parents, spouse or domestic partner, siblings, (step) children or (step) grandchildren, aunts, uncles, nieces, nephews and first cousins), of individuals qualified within this field of membership.
Friends, Supporters, or Out-of-State Law Enforcement joining via the American Consumer Council (ACC)
What is the American Consumer Council?
The American Consumer Council (ACC) is a non-profit membership organization dedicated to consumer education, advocacy, and financial literacy. There is no cost for The Police Credit Union members to join the ACC. The ACC was established in 1987. Its mission is to educate consumers on the purchase of safe, reliable products and services, to serve as a voice for consumer advocacy and economic wellness in the United States, to educate consumers in the area of financial literacy and to recognize companies for their environmental stewardship and corporate social responsibility.
How ACC Benefits American Consumers
The ACC has built its reputation for championing consumer advocacy by encouraging manufacturers and service-based companies to make safe, reliable products that American consumers can trust and recommend to their friends and neighbors. In those instances where a company or industry is found to have abused consumers, or offered a product/service that is harmful to consumers or the environment, ACC has brought the full force of its membership muscle and media relations program to persuade consumers not to support deceitful businesses. In this era of social networking and rapid global communication, ACC’s approach to enforcing high standards on behalf of consumers has proven to be extremely effective.
How to Join the Police Credit Union with the added benefit of American Consumer Council membership
If you choose to join the Police Credit Union with the added benefit of ACC membership, we will provide the following enrollment information to the ACC on your behalf: your name, address, email address, and telephone number. You will have the option to unsubscribe or opt-out of the quarterly email newsletter at any time. The American Consumer Council (ACC) will not sell, share or distribute its membership data to any individual, company or organization without the consent of its members.
When Applying for Membership Online
Choose the “Friend/supporter of law enforcement or a Law Enforcement professional outside of California joining through American Consumer Council (ACC)” option in the Eligibility section of the membership application and agree to the membership disclosure at the end of the application. This will send us a notification that will allow us to process and enroll you into the ACC. The $5 membership fee will be covered by The Police Credit Union.
You can learn more about the American Consumer Council at www.americanconsumercouncil.org
It's easy to join The Police Credit Union online.
Safe and Sound
We avoid high-risk decisions that could jeopardize members’ financial standing, and we adhere to lending practices that result in much lower delinquencies than many banks and credit unions. As a result, The Police Credit Union is positioned as a trustworthy credit union where members can rely on us to act responsibly.
Superior Rating for Safety and Soundness
The Police Credit Union has been awarded the 5-Star Superior rating for safety and soundness every year since 1990 by BauerFinancial, Inc. BauerFinancial is the nation’s leading bank and credit union rating and research firm analyzing the financial industry as a source of unbiased information.
If you have any questions about The Police Credit Union loans or how your accounts are insured, please contact us today.
National Credit Union Share Insurance Fund (NCUSIF)
We provide protection for your money through the National Credit Union Share Insurance Fund (NCUSIF), a fund backed by the U.S. government and administered by the National Credit Union Administration (NCUA). The NCUA is the governing body for federal credit unions and insures savings in credit unions throughout the country.
The NCUSIF insures most accounts up to $250,000, but your accounts can be covered beyond that amount based on the legal vesting of your accounts.
Which Accounts Qualify for Coverage?
Individual accounts, joint accounts, trust accounts and Individual Retirement Accounts (IRA) qualify for share insurance coverage. Account owners generally have an aggregated maximum coverage of $250,000 per credit union and per category of coverage. Individual share accounts held by the same member are added together and are insured up to the $250,000.
Please note that the information below is intended for example purposes only. Each member’s financial situation varies based on account information. Please contact a Member Solution Specialist at 800.222.1391 regarding your specific situation, or for general questions about the coverage provided by NCUA share insurance, contact the NCUA Insurance Call Center between 5 a.m. and 3:30 p.m. (PST) Monday through Friday at 1.800.755.1030, extension 1.
Examples from NCUA
Individual Account Individual $250,000 Individual Retirement Account Retirement $250,000 Total $500,000
Family of Two
Individual Accounts Husband Individual $250,000 Wife Individual $250,000 Joint Accounts* Husband and Wife (Joint) $500,000 Husband as Trustee for Wife $250,000 Wife as Trustee for husband $250,000 Individual Retirement Account Retirement - Husband $250,000 Retirement - Wife $250,000 Total $2,000,000
Family of Four
Individual Accounts Husband Individual $250,000 Wife Individual $250,000 Joint Accounts* Husband and Wife (Joint) $500,000 Trust Accounts* Husband as Trustee for Wife $250,000 Wife as Trustee for Husband $250,000 Individual Retirement Account Retirement - Husband $250,000 Retirement - Wife $250,000 TOTAL $2,000,000
*This example assumes there are no beneficiaries on the account.Only Deposit Accounts are federally insured by the NCUA. Non-deposit investment products are not federally insured, involve investment risk including the possible loss of principal, may lose value and are not obligations of or guaranteed by the credit union or any affiliated entity. As of July 22, 2010 NCUSIF insurance has permanently been increased to $250,000.
Calculate Your Share Insurance
Use this calculator to run a report on the amount of coverage you have on your accounts.
Why choose The Police Credit Union?
Competitive Loan Rates
Our competitive loan rates can assist in more budget-friendly payments for you.
No Hidden Fees
You won't be charged monthly service or maintenance fees for your account.
End of Watch Benefits
Our End of Watch program provides peace of mind for the families of qualified fallen officers, at no cost to the member.
Auto Loan Rate Discounts
Get a 1% rate discount1 when you finance an Enterprise vehicle with The Police Credit Union. Limited Time Offer.
Interested in partnering with us for financial services or event sponsorship?
What makes us different?
The Credit Union difference
Membership is exclusive
We're Here to Help
Other ways to connect with us
Call us at 800.222.1391 or find a branch location, by clicking the button below.Our Locations
Meet with us virtually
Schedule an appointment or meet a member of our Virtual Branch team from your computer, laptop, or mobile deviceVisit our Virtual Branch
Virtual Branch Hours
Monday - Friday: 10:00 a.m. - 5:00 p.m. PST
Saturday: 9:00 a.m. - 12:00 p.m., 12:30 p.m. - 3:00 p.m. PST
1 1.00% off current credit union rate, with a maximum loan term of 60 months. Offer valid now to 12/31/2023 and is subject to change without notice. This offer cannot be combined with any other offer. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.
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