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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.

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Savings Accounts

Rates Effective: December 1, 2020

Account	Min to Open	Min. to Earn APY	Term	Dividend Rate	APY
Savings	$25	$25	Open-Ended	0.03%	0.030%

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Current Fee Schedule
Regular Savings Terms and Conditions¹

Tiered Savings

Rates Effective: December 1, 2020

Account	Balance	Term	Dividend Rate	APY
Tiered Savings	$0 - $4,999.99	Open-Ended	0.03%	0.030%
	$5,000 - $14,999.99	Open-ended	0.03%	0.030%
	$15,000 - $49,999.99	Open-ended	0.05%	0.050%
	$50,000 and over	Open-ended	0.15%	0.150%

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Current Fee Schedule
Tiered Savings Terms and Conditions¹

Youth Accounts

Rates Effective: December 1, 2020

Account	Min. to Open	Min. to Earn APY	Term	Dividend Rate	APY
Looney Tunes & OnScene Teen	$25	$25	Open-ended	0.03%	0.030%

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Current Fee Schedule
Youth Accounts Terms and Conditions¹

Holiday Savings Accounts

Rates Effective: December 1, 2020

Account	Min. to Open	Min. to Earn APY	Term	Dividend Rate	APY
Holiday Savings	None	$0	Open-ended	0.03%	0.030%

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Current Fee Schedule
Holiday Accounts Terms and Conditions¹

Certificates

Rates Effective: December 1, 2020

Account	Minimum	Term	Dividend Rate	APY
3 Mo. Certificate	$500	3 Months	0.05%	0.050%
6 Month Certificate	$500	6 Months	0.15%	0.150%
1 Year Certificate	$500	12 Months	0.30%	0.300%
2 Year Certificate	$500	24 Months	0.60%	0.602%
3 Year Certificate	$500	36 Months	0.75%	0.753%
4 Year Certificate	$500	48 Months	0.90%	0.904%
5 Year Certificate	$500	60 Months	0.95%	0.955%

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Current Fee Schedule
Certificates Terms and Conditions^1,2

Money Market Wealth Builder Account

Rates Effective: December 1, 2020

Account	Balance	Term	Dividend Rate	APY
Money Market Wealth Builder	$0 - $14,999.99	Open-Ended	0.03%	0.030%
	$15,000 - $49,999.99	Open-ended	0.05%	0.050%
	$50,000 - $99,999.99	Open-ended	0.20%	0.200%
	$100,000 - $149,999.99	Open-ended	0.25%	0.250%
	$150,000 and over	Open-ended	0.30%	0.300%

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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: December 1, 2020

Account	Min. to Open	Min. to Earn APY	Term	Dividend Rate	APY
The Police Credit Union Checking	$25	None	Open-ended	0.01%	0.01%

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Current Fee Schedule
The Police Credit Union Checking Terms and Conditions¹

Checking Accounts

Rates Effective: December 1, 2020

Account	Min. to Open	Min to Earn APY	Term	Dividend Rate	APY
The Police Credit Union Checking	$25	None	Open-ended	0.01%	0.01%
Fresh Start Checking	$25	None	Open-ended	0.00%	None
Business Checking	$25	None	Open-ended	0.00%	None

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Current Fee Schedule
Checking Terms and Conditions¹

Business Checking

Rates Effective: December 1, 2020

Account	Min. to Open	Min to Earn APY	Term	Dividend Rate	APY
Business Checking	$25	None	Open-ended	0.00%	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: December 1, 2020

Account	Min. to Open	Min. to Earn APY	Term	Dividend Rate	APY
Balance Checking	$25	None	Open-ended	0.00%	None

Open Now

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

Rates Effective: December 1, 2020

Products	Standard APR
Platinum Visa	9.25% - 15.25% Variable APR
Savings Secured	7.50% Fixed APR

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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

Rates Effective: December 1, 2020

Account	Minimum	Term	Dividend Rate	APY
IRA Savings+	$100	None	0.03%	0.030%
1 - Year	$500	12 Months	0.30%	0.300%
2 - Year	$500	24 Months	0.60%	0.602%
4 - Year	$500	48 Months	0.90%	0.904%
3 - Year	$500	36 Months	0.75%	0.753%
5 - Year	$500	60 Months	0.95%	0.955%

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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.

First Mortgage Loans

Click here to view rates

Home Equity Line of Credit

Rates Effective: December 1, 2020

Property Type	Draw/Repay Period	Rate
Owner Occupied Properties $10k - $300k	10-Year/20-Year	4.00%*/Prime + Margin
Investment Properties $10k - $300k	10-Year/20-Year	Prime + 1.000%**

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Home Equity Fixed Rate Loan

Click here to view rates

Vehicle Loans

Auto Loans - New and Used

Rates Effective: December 1, 2020

Term	LTV <=75% APR As Low As*	LTV > 75% APR As Low As*
1-36 months	2.14%	2.39%
37-60 months	2.34%	2.59%
61-72 months	2.59%	2.84%
73-84 months	3.14% $25k and over	3.39% $25k and over

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NEW AUTO: 2019 or newer (7,500 miles or less). 73-84 month loan term is only available for loans $25k and over.

USED AUTO: 2014 to 2019. 73-84 month loan term is only available for loans $25k & over.

Important Notes: * APR = Annual Percentage Rate. Example rate of 2.14% APR with 36 monthly payments = $28.71 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments and loan to value <=75% (fully indexed rate of 2.64%).+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.

Auto Loans - Early Model Autos 1998 - 2013

Rates Effective: December 1, 2020

Term	APR as low as^*
1-36 Month	5.49%
37-60 months	5.99%
61-72 Months	6.49%

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*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: December 1, 2020

Loan	Terms and Conditions	Term	APR As Low As*
First-Time Auto Buyer Loan	Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.	1-36 Months	6.74%
First Time Auto Buyer Loan		37-60 Months	6.99%

Apply Now

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: December 1, 2020

Loan	Terms and Conditions	Term	APR As Low As*
New Motorcycles	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	1-36 months	2.64%
	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	37-60 months	3.14%
Used Motorcycles	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	1-36 Months	3.64%
	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	37-60 Months	4.14%

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*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: December 1, 2020

Loan	Terms and Conditions	Term	APR As Low As*
New Boat/ Trailer	110% of purchase price.	1-60 months	5.39%
	110% of purchase price.	61-72 months	5.64%
	110% of purchase price.	73-84 months	5.89%
	110% of purchase price.	85-120 months	6.39%⁺ $35k & over
	110% of purchase price.	121-180 months	6.64%¹ $50k & over
Used Boat/ Trailer	100% of appraised value on private party, dealer transactions or refinance.	1-60 months	5.89%
	100% of appraised value on private party, dealer transactions or refinance.	61-72 months	6.14%
	100% of appraised value on private party, dealer transactions or refinance.	73-84 Months	6.39%
	100% of appraised value on private party, dealer transactions or refinance.	85-120 months	6.89%⁺ $35k & over
	100% of appraised value on private party, dealer transactions or refinance.	121-180 months	7.14%¹ $50k & over
New Motor Homes/ RVs	110% of purchase price.	1-60 months	5.14%
	110% of purchase price.	61-72 months	5.39%
	110% of purchase price.	73-84 months	5.64%
	110% of purchase price.	85-120 months	5.89%⁺ $35k & over
	110% of purchase price.	121-180 months	6.64%¹ $50k & over
Used Motor Homes/ RVs	100% of appraised value on private party, dealer transactions or refinance.	1-60 months	5.39%
	100% of appraised value on private party, dealer transactions or refinance.	61-72 months	5.64%
	100% of appraised value on private party, dealer transactions or refinance.	73-84 Months	5.89%
	100% of appraised value on private party, dealer transactions or refinance.	85-120 months	6.14%⁺ $35k & over
	100% of appraised value on private party, dealer transactions or refinance.	121-180 months	7.14%¹ $50k & over
New Travel Trailer/Jet Ski/ATV	110% of purchase price.	1-60 months	6.14%
	110% of purchase price.	61-72 months	6.39%
	110% of purchase price.	73-84 Months	6.64%
	110% of purchase price.	85-120 months	6.89%⁺ $35k & over
Used Travel Trailer/Jet Ski/ATV	100% of appraised value on private party, dealer transactions or refinance.	1-60 months	6.39%
	100% of appraised value on private party, dealer transactions or refinance.	61-72 months	6.64%
	100% of appraised value on private party, dealer transactions or refinance.	73-84 months	6.89%
	100% of appraised value on private party, dealer transactions or refinance.	85-120 months	7.14%⁺ $35k & over

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⁺ Minimum Loan of $35,000 or higher.

¹ Minimum Loan of $50,000 or higher

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

Rates Effective: December 1, 2020

Loan Maximum	Term	APR As Low As*
$7,500	1-24 Months	2.99%
	25-36 Months	3.49%
	37-48 Months	3.99%

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*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 visit www.thepolicecu.org.

Apply for an The Police Credit Union Public Safety Assistance Loan today through our online loan application, by calling The Police Credit Union at 800.222.1391, or by visiting one of our conveniently located branches in San Francisco, Pleasanton, San Mateo, San Bruno or Oakland, California.

Personal Loans

Personal Loan

Rates Effective: December 1, 2020

Loan	Loan Maximum	Term	APR As Low As*
Personal Loan++	$25,000	1-36 months	9.24%
	$25,000	37-60 months	9.74%
	$25,000	61-72 months	10.64% $15k & over

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*APR = Annual Percentage Rate. Example rate of 9.24% with 36 monthly payments = $31.91 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 9.49%). 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 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: December 1, 2020

Loan	Loan Maximum	Term	APR As Low As*
Overdraft Protection	$2,000	1-36 months	12.99%

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* 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: December 1, 2020

Loan	APR As Low As*
Savings Secured and Certificate Secured Loans	Use 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.

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* 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.