APRIL 2022


 

RATES |  OFFERS
 

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Avoid Falling Victim to These Popular Tax Scams in 2022

 

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Now that tax season is here, officials warn that tax-related scams are on the rise as fraudsters use tax season as an opportune time to bilk consumers out of money and steal their personal information. Stay a step ahead of scammers armed with knowledge of some of the most common tactics they're using in 2022, and be sure to share these with friends or relatives who might be vulnerable to them.

Nominations
NOTICE

Board of Directors and Supervisory Committee Nominations Open on May 17th, 2022

The Nominating Committee is pleased to announce that the 2023 Annual Election will be for two vacancies on the Board of Directors and one vacancy on the Supervisory Committee, each for a three-year term commencing in 2023. Nominations will be accepted from May 17, 2022 through June 30, 2022. Please click the "read more" button for full nomination procedures.

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HERO Loan
HOME LOANS

The Police Credit Union Introduces a New Home Loan Exclusively for Law Enforcement

Purchasing a first home is one of the single most important financial decisions anyone will make. The Police Credit Union is excited to introduce a new 0% down payment loan exclusively for active Law Enforcement: The H.E.R.O (Helping Enable Residential Ownership) Mortgage Loan1.

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Current emails
REMINDER

Important: Please Keep Your Email Address Current

Emails are one of the fastest ways for us to communicate important service updates, member events, and special offers. Please ensure that your email is up-to-date by logging into Digital Banking and navigating to My Settings. Additionally, you can click on "Sign Up for Email Updates" to make sure you are opted in for email communications.

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Card Lock

CARD LOCK

 

Instantly lock your credit card online to prevent unauthorized purchases until you find it.

Homebuyer Workshop

HOME BUYER WEBINAR

 

Save the date for our Home Buying Workshop on May 19th, 2022 from 12pm – 1pm PST. Learn from our experts about what you need to do to be prepared to purchase, from application to closing. Registration will open by the end of April.

Enterprise

ENTERPRISE CAR SALES

 

Our 1% rate discount on Enterprise vehicles for terms up to 72 months has been extended through the end of the month (April 30, 2022). Don't miss out on this limited time offer.

LOAN RATES

Vehicle Loans Rates as low as 1.79% APR**
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 3.875% (4.255% APR)3
Loan rates current as of 4/12/2022. Rates, terms, and conditions subject to change without notice. Visit our website for our most current rates.

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Holiday Schedule

1 Program available to first-time homebuying members of the credit union that are an active full-time sworn peace officer or reserve peace officer employed by a federal, state, county or municipal agency. Program consists of a fixed or variable rate 1st and a fixed 2nd mortgage. Property must be located in California, and be owner occupied. First time home buyers may not have had ownership in a principal residence during the preceding 3 years. All loans subject to credit approval, documented income and reserve requirements. There is a non-refundable application fee of $95 for this program that will be credited back at closing. Additional terms, conditions and restrictions apply. Program is subject to change or cancellation without notice. Contact your TPCU Loan Officer for terms, rates and full details. Federally insured by the NCUA. Equal Housing Opportunity. NMLS #: 409710
**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 4/12/2022 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 3.875% with 360 payments = $470.24 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.