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Holiday Closure Notice: Memorial Day (May 29, 2023)
In recognition of Memorial Day, our branches and internal Contact Center will be closed on Monday, May 29, 2023. Digital Banking, automated phone banking, and our ATMs will be available for your convenience. Normal business hours will resume Tuesday, May 30, 2023.
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Rates

Here’s where you can find the latest rates on savings accounts, mortgages and various loans for the police and law enforcement professionals we serve in California and beyond.

Not a member yet? Join now to start taking advantage of financial services for law enforcement and their families.

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Savings Accounts

Certificates
Rates Effective: May 22, 2023
AccountMinimumTermDividend RateAPY
3 Mo. Certificate$5003 Months0.75%0.753%
6 Month Certificate$5006 Months2.25%2.275%
1 Year Certificate$50012 Months3.50%3.562%
2 Year Certificate$50024 Months3.85%3.925%
3 Year Certificate$50036 Months2.96%3.004%
4 Year Certificate$50048 Months2.96%3.004%
5 Year Certificate$50060 Months3.00%3.045%
Special 9-Month Certificate$5003.93%4.008%3
Special 18-Month Certificate$5004.21%*4.300%*
2-Year Bump Up Certificate (New Money Required**)$500>730 days4.07%4.154%1

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Current Fee Schedule
Certificates Terms and Conditions1,2

Money Market Wealth Builder Account
Rates Effective: May 1, 2023
AccountBalanceTermDividend RateAPY
Money Market Wealth Builder$2,500 - $14,999.99Open-Ended0.05%0.050%
 $15,000 - $49,999.99Open-ended0.15%0.150%
 $50,000 - $99,999.99Open-ended0.65%0.652%
 $100,000 - $149,999.99Open-ended0.75%0.753%
 $150,000 - $249,999.99Open-ended0.85%0.854%
 $250,000+Open-Ended1.25%1.258%

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Current Fee Schedule
Money Market Wealth Builder Account Terms and Conditions1

Smart Advantage Money Market
Rates Effective: May 1, 2023
Tiered BalanceMinimum Deposit and BalanceDividend RateAPY*Term
$2,500 - $14,999.99$2,5000.10%+0.100%+Open-Ended
$15,000 - $49,999.99$15,0000.50%+0.501%+Open-Ended
$50,000 - $99,999.99$50,0001.15%+1.157%+Open-Ended
$100,000 - $149,999.99$100,0001.50%+1.511%+Open-Ended
$150,000 - $249,999.99$150,0001.75%+1.765%+Open-Ended
$250,000+$250,0002.25%+2.275%+Open-Ended

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Current Fee Schedule
Smart Advantage Money Market Account Terms and Conditions+

Savings Accounts
Rates Effective: May 1, 2023
AccountMin to OpenMin. to Earn APYTermDividend RateAPY
Savings$25$25Open-Ended0.05%0.05%

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Current Fee Schedule
Regular Savings Terms and Conditions1

Tiered Savings
Rates Effective: May 1, 2023
AccountBalanceTermDividend RateAPY
Tiered Savings$0 - $4,999.99Open-Ended0.05%0.05%
 $5,000 - $14,999.99Open-ended0.05%0.05%
 $15,000 - $49,999.99Open-ended0.15%0.150%
 $50,000 and overOpen-ended0.25%0.250%

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Current Fee Schedule
Tiered Savings Terms and Conditions1

Youth Accounts
Rates Effective: May 1, 2023
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Cadet Club & Money Patrol$25$25Open-ended0.05% 0.05%

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Current Fee Schedule
Youth Accounts Terms and Conditions1

*APY (Annual Percentage Yield) effective as of 05/22/2023 for a special 18-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 18 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

 

1APY (Annual Percentage Yield) effective starting 2/17/2023 and subject to change at any time. IRA Certificates are not eligible. Membership required. Not available for corporate accounts. The bump-up option and promotional rate are only available on Certificates for a term of 24 months. A minimum opening deposit of $500 is required. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain promotional APY. Once opened, no add-on amounts to the account during the term are allowed. Terms and conditions are subject to change without notice. This Credit Union is federally insured by the National Credit Union Administration.

**Rate requires new money to open. New money is defined as funds that have not been on deposit with The Police Credit Union for greater than 30 days.

 

3APY (Annual Percentage Yield) effective as of 05/22/2023 for a special 9-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 9 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 12-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org

 

2. Certificates: Accounts are available for the range of days stated above. The APY assumes that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For 24-36 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account. For current rates, yields or other information, call us at 800.222.1391

 

1. GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend 
rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

+APY = Annual Percentage Yield. Smart Advantage Money Market: +To qualify for the higher Rate, you must have a current checking account, be enrolled in E-statements at The Police CU and meet the following requirements each month: Make 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the current calendar month to your account using your Visa® Debit Card. Have $500 a month in qualifying direct deposits deposited to your checking account during the current calendar month. A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. Starting with the calendar month following when you open your Smart Advantage Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined at the end of the month based upon the number of qualifying transactions or direct deposit requirement for that month's activities and the dividend is paid at that time. If there are changes to your checking account (it is closed, changed to a new account type or no longer: 1) receives qualified direct deposit or 2) enrolled in E-statements, the rate will change to those in effect at the time of the change.

Open your The Police Credit Union Account today through our online account application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.

Checking Accounts

The Police Credit Union Checking
Rates Effective: May 1, 2023
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
The Police Credit Union Checking$25NoneOpen-ended0.05%0.050%

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Current Fee Schedule
The Police Credit Union Checking Terms and Conditions1

Checking Accounts
Rates Effective: May 1, 2023
AccountMin. to OpenMin to Earn APYTermDividend RateAPY
The Police Credit Union Checking$25NoneOpen-ended0.05%0.050%
Fresh Start Checking$25NoneOpen-ended0.00%None
Business Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Checking Terms and Conditions1

Business Checking
Rates Effective: May 1, 2023
AccountMin. to OpenMin to Earn APYTermDividend RateAPY
Business Checking$25NoneOpen-ended0.00%None

Contact us at 800.222.1391 or visit us at a branch to open your Business Checking account.

Current Fee Schedule
Business Checking Terms and Conditions1

Fresh Start Checking
Rates Effective: May 1, 2023
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Balance Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Fresh Start Checking Terms and Conditions1

1. Rates/yields may change after you open your account. Fees could reduce earnings on the account. Call for current rates at 415.564.3800 or 415.242.2142 - MemberLink. Above anticipated rates are subject to availability of funds. Dividends are calculated on the Daily Balance and paid monthly. Terms and conditions apply, see About Your Accounts (pdf 267 kb) for more information. Open your The Police Credit Union Checking Account today through online account application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branch locations.

Credit Cards

Credit Cards
Rates Effective: May 1, 2023
ProductsStandard APR
Platinum Visa9.25% - 15.25% Variable APR
Savings Secured7.50% Fixed APR

Full Terms and Conditions
*APR = Annual Percentage Rate.  Rates, fees and terms are subject to change at any time.

Savings Secured credit cards are secured by a pledge of specific funds held on deposit in a savings account.

IRAs

IRAs
Rates Effective: May 1, 2023
AccountMinimumTermDividend RateAPY
IRA Savings+$100None0.05%0.05%
1 - Year$50012 Months3.50%3.562%
2 - Year$50024 Months3.85%3.925%
3 - Year$50036 Months2.96%3.004%
4 - Year$50048 Months2.96%3.004%
5 - Year$50060 Months3.00%3.045%

Regular Savings Terms and Conditions1

1. Individual Retirement Accounts are available for the range of days stated above. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Open your The Police Credit Union Account today through our online account application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.


Home Equity Line of Credit

Home Equity Line of Credit
Rates Effective: May 1, 2023
Property TypeDraw/Repay PeriodRates as low as
Owner Occupied and Second Home Properties $20k - $500k10 Year Draw with Interest First Repayment/20 Year Repay Principal & InterestPrime + 1.25%
Investment Properties $20k - $300k10 Year Draw with Interest First Repayment/20 Year Repay Principal & InterestPrime + 2.00%

Vehicle Loans

Auto Loans - New and Used
Rates Effective: May 1, 2023
TermLTV <=75% APR As Low As*LTV > 75% APR As Low As*
1-36 months5.39%5.64%
37-60 months5.49%5.74%
61-72 months5.74%5.99%
73-84 months6.04% $25k and over6.59% $25k and over

NEW AUTO: 2022 or newer (7,500 miles or less). 73-84 month loan term is only available for loans $25k and over.

USED AUTO: 2017 to 2022. 73-84 month loan term is only available for loans $25k & over.

 

1Important Notes: APR = Annual Percentage Rate. Example rate of 5.39% APR with 36 monthly payments = $30.15 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments and loan to value <=75% (fully indexed rate of 5.64%). +73-84 month New and Used Auto loan requires a minimum loan amount of $25,000. Rates quoted above assume excellent borrower history. Out-of-state vehicles may be acceptable on franchise dealer transactions only. Rates, terms and conditions are subject to change without notice. Maximum vehicle mileage = 175,000.

Auto Loans - Early Model Autos 2001-2016
Rates Effective: May 1, 2023
TermAPR as low as*
1-36 Month7.24%
37-60 months7.69%
61-72 Months8.19%

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book.

First Time Auto Buyer Loan
Rates Effective: May 1, 2023
LoanTerms and ConditionsTermAPR As Low As*
First-Time Auto Buyer LoanFinancing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.1-36 Months7.49%
First Time Auto Buyer Loan37-60 Months7.74%

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Apply for an The Police Credit Union First-Time Auto Buyer Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.

Motorcycle Loans
Rates Effective: May 1, 2023
LoanTerms and ConditionsTermAPR As Low As*
New MotorcyclesFinancing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 months6.14%
 Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.37-60 months6.64%
Used MotorcyclesFinancing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 Months6.89%
 Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.37-60 Months7.39%

*APR = Annual Percentage Rate. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Apply for an The Police Credit Union Motorcycle Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.

Sport and Recreational Vehicles
Rates Effective: May 1, 2023
LoanTerms and ConditionsTermAPR As Low As*
New Boat/ Trailer110% of purchase price. 1-60 months6.74%
 110% of purchase price. 61-72 months7.04%
 110% of purchase price. 73-84 months7.54%
 110% of purchase price. 85-120 months7.99%+ $35k & over
 110% of purchase price.121-180 months8.24%1 $50k & over
Used Boat/ Trailer100% of appraised value on private party, dealer transactions or refinance. 1-60 months6.99%
 100% of appraised value on private party, dealer transactions or refinance. 61-72 months7.29%
 100% of appraised value on private party, dealer transactions or refinance. 73-84 Months7.79%
 100% of appraised value on private party, dealer transactions or refinance. 85-120 months8.24%+ $35k & over
 100% of appraised value on private party, dealer transactions or refinance. 121-180 months8.49%1 $50k & over
New Motor Homes/ RVs110% of purchase price. 1-60 months6.64%
 110% of purchase price. 61-72 months6.89%
 110% of purchase price. 73-84 months7.14%
 110% of purchase price. 85-120 months7.39%+ $35k & over
 110% of purchase price. 121-180 months8.14%1 $50k & over
Used Motor Homes/ RVs100% of appraised value on private party, dealer transactions or refinance.1-60 months6.89%
 100% of appraised value on private party, dealer transactions or refinance.61-72 months7.14%
 100% of appraised value on private party, dealer transactions or refinance.73-84 Months7.39%
 100% of appraised value on private party, dealer transactions or refinance.85-120 months7.64%+ $35k & over
 100% of appraised value on private party, dealer transactions or refinance.121-180 months8.64%1 $50k & over
New Travel Trailer/Jet Ski110% of purchase price.1-60 months6.64%
 110% of purchase price.61-72 months6.89%
 110% of purchase price.73-84 Months7.14%
 110% of purchase price.85-120 months7.39%+ $35k & over
Used Travel Trailer/Jet Ski100% of appraised value on private party, dealer transactions or refinance.1-60 months6.89%
 100% of appraised value on private party, dealer transactions or refinance.61-72 months7.14%
 100% of appraised value on private party, dealer transactions or refinance.73-84 months7.39%
 100% of appraised value on private party, dealer transactions or refinance.85-120 months7.64%+ $35k & over

+ Minimum Loan of $35,000 or higher.

1 Minimum Loan of $50,000 or higher

*APR = Annual Percentage Rate. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Apply for an The Police Credit Union Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches. For recreational purposes only, not to be used for financing of a primary residence.

Important Note - Recreational Vehicle Loans, for recreational purposes only and may not be used to finance a primary residence.- NEW BOAT/TRAILER: 110% of purchase price. USED BOAT/TRAILER: 100% of appraised value on private party, dealer transactions or refinance. NEW MOTOR HOMES/RVS: 110% of purchase price. USED MOTOR HOMES/RVS: 100% of appraised value on private party, dealer transactions or refinance. NEW TRAVEL TRAILER/JET SKI: 110% of purchase price. USED TRAVEL TRAILER/JET SKI: 100% of appraised value on private party, dealer transactions or refinance. Contact us for more details.

Personal Loans

Personal Loan
Rates Effective: May 1, 2023
LoanLoan MaximumTermAPR As Low As*
Personal Loan++$50,000**1-36 months8.24%
 $50,000**37-60 months8.74%
 $50,000**61-72 months9.99% $15k & over

*APR = Annual Percentage Rate. Example rate of 8.24% with 36 monthly payments = $31.46 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 8.49%). Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an The Police Credit Union deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher . There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391. 

**$50,000 loan maximum assumes excellent borrower history. Not all members will qualify. 

++Maximum aggregate signature loan balances cannot exceed $50,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

Apply for an The Police Credit Union Personal Choice Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.

Overdraft Protection Line of Credit
Rates Effective: May 1, 2023
LoanLoan MaximumAPR As Low As*
Overdraft Protection$2,00012.99%

* APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an The Police Credit Union deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply for an The Police Credit Union Overdraft Protection Line of Credit today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.

Savings Secured Loans
Rates Effective: May 1, 2023
LoanAPR As Low As*
Savings Secured and Certificate Secured LoansUse your Savings or Certificate to secure a low-cost loan. The interest rate is just 3.00% above your Savings or Certificate rate. Savings Secured Loans are available for a maximum term of 60 months.

* APR = Annual Percentage Rate. Example rate of 3.50% with 60 monthly payments = $18.19 per $1,000 borrowed. Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an The Police Credit Union deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply for an The Police Credit Union Overdraft Protection Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches.

Green Energy Loan
Rates Effective: May 1, 2023
TermAPR as Low As*
12-60 months+6.74% APR
61-120 months7.24% APR
121-180 months7.24% APR
181-240 months7.74% APR
+Maximum loan amount $75,000, $125 loan processing fee.

*APR=Annual Percentage Rate. Example rate of 6.74% APR with 120 monthly payments = $114.78 per $10,000 borrowed, assumes .25% discount for enrollment in automatic payments. Rates quoted assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made. A $125 processing fee to be collected with application. All loans secured by a UCC-1 financing statement. Selected contractors must be licensed and approved prior to loan approval. Rates, terms and conditions subject to change. Additional terms and conditions apply.