Whether you’re a first-time homebuyer or planning to buy your next property in one of California’s highest-priced metro areas, you’re likely all too familiar with the hallmarks of a seller’s market: fast-moving inventory in short supply, rising home prices, multiple buyers vying for the same property and even competition from all-cash offers.
Request Your 2022 Pocket Calendars and Wall Calendars Online!
To conserve resources and reduce our carbon footprint, wall and pocket calendars will be mailed by request only this year. If you would like to have a 2022 pocket calendar and/or wall calendar mailed to you, please fill out our online request form. We'll start fulfilling requests in mid-December. Both calendars will also be available at all our branches in mid-December.
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Scholarship Applications Available Through December 31, 2021
Our application period for 2022 scholarship awards is now open! This year we are pleased to extend eligibility to graduate students as well as undergraduates.
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What to Buy (and Skip) in October 2021
Retail seasons can be as predictable as the pumpkin-spice lattes now available at most cafes. But, like much of the last year and a half, shopping this October may look a little different. Here’s what to buy and skip this month to score discounts and, in some cases, ensure timely delivery.
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Members, check out our enhanced partnership with Working Advantage for discounts on multiple brands including Ray Ban, Samsung, Dell, and Nike!
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LOAN RATES
| Vehicle Loans | Rates as low as 1.79% APR** |
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| Public Safety Assistance Loan | Rates as low as 2.99% APR+ |
| Personal Loan | Rates as low as 5.85% APR++ |
| Home Loans (15/15 ARM) | Rates as low as 2.250% (2.472% APR)3 |
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Providing Financial Solutions to Take Care of Our Own
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**APR = Annual Percentage Rate. Example rate of 1.79% APR with 36 monthly payments = $28.56 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments and loan to value <=75% (fully indexed rate of 2.29%).+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.
3APR=Annual Percentage Rate. Pricing effective 10/13/2021 and subject to change at any time. LTV restrictions apply, property appraisal required. Minimum income qualifications apply. Private mortgage insurance (PMI) is required for loan-to-values exceeding 80%. Example note rate of 2.250% with 360 payments = $382.25 per $100,000 borrowed. 15/15 Adjustable Rate Mortgage (ARM), amortized over 30 years and fixed for the first 180 months, adjusting to the 10 Year Constant Maturity Treasury Bill plus a margin (2.75% conforming balance, 3.00% jumbo balance) in the 16th year with a 6.00% adjustment cap. Minimum qualifying credit score of 680 required. Other credit qualifications apply, contact a loan officer for more information. Final approval required. Federally insured by the National Credit Union Administration. NMLS ID#409710.
+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.
++Example rate of 5.85% with 36 monthly payments = $30.36 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 6.10%). 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.