The SFPCU Difference: What You Should Know About Your Membership

Mar 11, 2016

cu-differenceIf you’ve chosen a credit union to serve your banking needs, you are a part owner of a not-for-profit organization that exists to serve its members by promoting their financial well-being. As a member of SF Police Credit Union; however, you are also part of an exclusive group that enjoys unique benefits tailored to your lifestyle, expectations and needs. Interested in learning more about your SFPCU membership and the benefits it offers to ensure that you are using them to your best advantage or to help a friend or family member who may be eligible to join? Here are some important points to know about your Credit Union:

Who can join our ranks: SFPCU serves law enforcement professionals throughout California. Additionally, we serve a number of firefighting and EMT agencies in the counties of San Francisco, Marin, Sonoma, Napa, San Mateo, Contra Costa, Solano, fAlameda and Santa Clara. You may also join SFPCU’s membership if you are a family member of a current SFPCU member or if you meet certain requirements as part of an eligible group. Once you join SFPCU, you can remain a member for as long as you want, even if you move, change jobs or retire. Visit our website at for more details on eligibility.

Our service reflects the needs of our exclusive membership: Having served law enforcement for more than 60 years, we have first-hand knowledge of the importance of making convenience a priority for those with busy lives and unpredictable schedules. Our members need to connect with us wherever and whenever necessary to take care of business, and we are consistently investing in the most up-to-date technology to provide a wide range of secure, user-friendly online services to enable them to do so. Among the wealth of services we offer are email and text alerts, Bill Pay, Mobile Deposit, and a Person-to-Person Payment System (P2P) that allows a member to quickly and easily transfer funds to someone outside of the SFPCU network. To learn more about our online banking services, visit

We provide customized financial products: Our deep knowledge of our membership and the special circumstances related to their jobs as law enforcement professionals have shaped the products we’ve created to improve their financial lives. Our First Responder Loan, available at an exceptionally low  2.50% APR*, is an excellent example of what sets us apart. With this fixed-rate loan, sworn or certified first responders can borrow up to $5,000 for 24 months to purchase items they need to perform their jobs including uniforms, equipment, supplies and K9 accessories. For details, go to

Our profits are returned to you as our member: Unlike a bank, a credit union pools its members’ money and then invests it in order to create profits that are then passed on to members in the form of high value products and services. Because they operate in this way, credit unions typically offer reduced fees, higher interest rates on savings accounts, and lower rates on loans. SF Police Credit Union offers all of these advantages and more. For just $25, you can open our popular Checking account with no monthly fees, no minimum balance requirement, competitive dividends paid monthly, and unlimited monthly fee rebates when you use another financial institution’s ATM*! All that is required to enjoy the many benefits of this no-strings attached checking account is to set up a SFPCU Checking Account with Direct Deposit. Find out how to open your Checking account today at  

Are you enjoying the value and service that comes from your SFPCU membership and want to help those you love take an important step toward improving their financial outlook by becoming a member as well? SF Police Credit Union extends eligibility to the families of SFPCU members including grandparents, parents, siblings, stepchildren and step-grandchildren, aunts, uncles, nieces, nephews, first cousins and domestic partners. Potential new members can apply at

Providing Financial Solutions to Take Care of Our Own

  • Accessibility
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

The Police Credit Union proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police and other law enforcement agencies and their families  in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo, San Bruno or Oakland, CA or check if you are eligible for membership and apply online today.

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