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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.

Savings Accounts

Savings Accounts
Rates Effective: October 1, 2019
AccountMin to OpenMin. to Earn APYTermDividend RateAPY
Savings$25$25Open-Ended0.10%0.10%

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Current Fee Schedule
Regular Savings Terms and Conditions1

Tiered Savings
Rates Effective: October 1, 2019
AccountBalanceTermDividend RateAPY
Tiered Savings$0 - $14,999.99Open-ended0.10%0.10%
 $15,000 - $49,999.99Open-ended0.35%0.351%
 $50,000 and overOpen-ended0.50%0.501%

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Current Fee Schedule
Tiered Savings Terms and Conditions1

Youth Accounts
Rates Effective: October 1, 2019
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Looney Tunes & OnScene Teen$25$25Open-ended0.10% 0.10%

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Current Fee Schedule
Youth Accounts Terms and Conditions1

Holiday Savings Accounts
Rates Effective: October 1, 2019
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Holiday SavingsNone$0Open-ended0.10% 0.10%

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Current Fee Schedule
Holiday Accounts Terms and Conditions1

Certificates
Rates Effective: October 1, 2019
AccountMinimumTermDividend RateAPY
3 Mo. Certificate$5003 Months0.40%0.401%
6 Month Certificate$5006 Months0.75%0.753%
1 Year Certificate$50012 Months1.50%1.510%
2 Year Certificate$50024 Months2.35%2.375%
3 Year Certificate$50036 Months2.50%2.529%
4 Year Certificate$50048 Months2.55%2.580%
5 Year Certificate$50060 Months2.75%2.785%

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Current Fee Schedule
Certificates Terms and Conditions1,2


Money Market Wealth Builder Account
Rates Effective: October 1, 2019
AccountBalanceTermDividend RateAPY
Money Market Wealth Builder$0 - $49,999.99Open-ended0.10%0.10%
 $50,000 - $99,999.99Open-ended0.60%0.602%
 $100,000 - $149,999.99Open-ended0.70%0.702%
 $150,000 and overOpen-ended0.80%0.803%

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Current Fee Schedule
Money Market Health Builder AccountTerms and Conditions1

1. GENERAL TERMS & CONDITIONS: 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.

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

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: October 1, 2019
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Global ATM Checking$25NoneOpen-ended0.10%0.10%

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Current Fee Schedule
Global ATM Checking Terms and Conditions1

Checking Accounts
Rates Effective: October 1, 2019
AccountMin. to OpenMin to Earn APYTermDividend RateAPY
Global ATM Checking$25NoneOpen-ended0.10%0.10%
The Police Credit Union Checking$25NoneOpen-ended0.10%0.10%
Balance 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: October 1, 2019
AccountMin. to OpenMin to Earn APYTermDividend RateAPY
Business Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Business Checking Terms and Conditions1

Balance Checking
Rates Effective: October 1, 2019
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Balance Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Balance 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: October 1, 2019
ProductsStandard APR
Platinum Visa9.25% - 18.00% 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: October 1, 2019
AccountMinimumTermDividend RateAPY
IRA Savings+$100None0.10%0.10%
1 - Year$50012 Months1.50%1.510%
2 - Year$50024 Months2.35%2.375%
3 - Year$50036 Months2.50%2.529%
4 - Year$50048 Months2.55%2.580%
5 - Year$50060 Months2.75%2.785%

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: October 1, 2019
Property TypeDraw/Repay PeriodRate
Owner Occupied Properties $10k - $300k10-Year/20-Year4.00%*/Prime + Margin
Investment Properties $10k - $300k10-Year/20-YearPrime + 1.000%**

Vehicle Loans

Auto Loans - New and Used
Rates Effective: October 1, 2019
TermAPR As Low As*
1-36 months2.89%
37-60 months3.14%
61-72 months3.39%
73-84 months3.89% $25k and over

NEW AUTO: 2018 or newer (7,500 miles or less). 73-84 month loan term is only available for loans $25k and over.

USED AUTO: 2013 to 2018. 73-84 month loan term is only available for loans $25k & over.

 

*APR = Annual Percentage Rate. Example rate of 2.89% APR with 36 monthly payments = $29.03 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments (fully indexed rate of 3.14%). Internal refinance will be subject to a 1.00% add on to your qualifying interest rate. Out-of-state vehicles are acceptable on dealer transactions only. Rates, fees and terms are subject to change at anytime, you may contact us for current information at 800.222.1391.

Auto Loans - Early Model Autos 1998 - 2012
Rates Effective: October 1, 2019
TermAPR as low as*
1-36 Month5.74%
37-60 months6.24%
61-72 Months6.74%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest 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: October 1, 2019
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 Months6.74%
First Time Auto Buyer Loan37-60 Months6.99%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest 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: October 1, 2019
LoanTerms and ConditionsTermAPR As Low As*
New MotorcyclesFinancing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 months2.99%
 Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.37-60 months3.49%
Used MotorcyclesFinancing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 Months3.99%
 Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.37-60 Months4.49%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest 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 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: October 1, 2019
LoanTerms and ConditionsTermAPR As Low As*
New Boat/ Trailer110% of purchase price. 1-60 months5.74%
 110% of purchase price. 61-72 months5.99%
 110% of purchase price. 73-84 months6.24%
 110% of purchase price. 85-120 months6.74%+ $35k & over
 110% of purchase price.121-180 months6.99%1 $50k & over
Used Boat/ Trailer100% of appraised value on private party, dealer transactions or refinance. 1-60 months6.24%
 100% of appraised value on private party, dealer transactions or refinance. 61-72 months6.49%
 100% of appraised value on private party, dealer transactions or refinance. 73-84 Months6.74%
 100% of appraised value on private party, dealer transactions or refinance. 85-120 months7.24%+ $35k & over
 100% of appraised value on private party, dealer transactions or refinance. 121-180 months7.49%1 $50k & over
New Motor Homes/ RVs110% of purchase price. 1-60 months5.49%
 110% of purchase price. 61-72 months5.74%
 110% of purchase price. 73-84 months5.99%
 110% of purchase price. 85-120 months6.24%+ $35k & over
 110% of purchase price. 121-180 months6.99%1 $50k & over
Used Motor Homes/ RVs100% of appraised value on private party, dealer transactions or refinance.1-60 months5.74%
 100% of appraised value on private party, dealer transactions or refinance.61-72 months5.99%
 100% of appraised value on private party, dealer transactions or refinance.73-84 Months6.24%
 100% of appraised value on private party, dealer transactions or refinance.85-120 months6.49%+ $35k & over
 100% of appraised value on private party, dealer transactions or refinance.121-180 months7.49%1 $50k & over
New Travel Trailer/Jet Ski/ATV110% of purchase price.1-60 months6.49%
 110% of purchase price.61-72 months6.74%
 110% of purchase price.73-84 Months6.99%
 110% of purchase price.85-120 months7.24%+ $35k & over
Used Travel Trailer/Jet Ski/ATV100% of appraised value on private party, dealer transactions or refinance.1-60 months6.74%
 100% of appraised value on private party, dealer transactions or refinance.61-72 months6.99%
 100% of appraised value on private party, dealer transactions or refinance.73-84 months7.24%
 100% of appraised value on private party, dealer transactions or refinance.85-120 months7.49%+ $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/ATV: 110% of purchase price. USED TRAVEL TRAILER/JET SKI/ATV: 100% of appraised value on private party, dealer transactions or refinance. Contact us for more details.

Public Safety Assistance Loan

Public Safety Assistance Loan
Rates Effective: October 1, 2019
Loan MaximumTermAPR As Low As*
$7,5001-24 Months2.99%
 25-36 Months3.49%
 37-48 Months3.99%

*Example rate of 2.99% Annual Percentage Rate (APR) with 24 monthly payments = $42.98 per $1,000 borrowed. Rate, terms and conditions are subject to change without notice. **Loan funds must be used to purchase first responder equipment, uniforms, supplies, K-9 accessories. Approved education course and certification programs up to one year are eligible. Additional terms and conditions apply, for full details www.thepolicecu.org. 

Apply for an The Police Credit Union  Public Safety Assistance 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.

Personal Loans

Personal Loan
Rates Effective: October 1, 2019
LoanLoan MaximumTermAPR As Low As*
Personal Loan++$25,0001-36 months10.49%
 $25,00037-60 months11.49%
 $25,00061-72 months12.99% $15k & over

*APR = Annual Percentage Rate. Example rate of 10.49% with 36 monthly payments = $32.50 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 10.74%). 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. 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.

++Maximum aggregate signature loan balances cannot exceed $25,000.00 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 Loan
Rates Effective: October 1, 2019
LoanLoan MaximumTermAPR As Low As*
Overdraft Protection$2,0001-36 months12.99%

* 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 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.

Savings Secured Loans
Rates Effective: October 1, 2019
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.