APRIL 2021


 

RATES |  OFFERS
 

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EMERGING TRENDS OPEN DOORS IN THE
CALIFORNIA HOUSING MARKET




 

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With the growing acceptance of remote work and interest rates at near historic lows, many buyers will find that they have a greater number of options that will make home ownership more affordable in 2021. For those waiting for the right time to get into the residential real estate market, we’ve identified some important insights to have on your radar this home buying season.

Digital Banking
WHAT'S NEW

A Message from Our President/CEO Eddie Young

We are excited to announce that we will be upgrading our core technology systems including enhancements to digital banking this summer.

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Nominations
NOTIFICATION

Board of Directors and Supervisory Committee Nominations Open on May 17th, 2021

The Nominating Committee is pleased to announce that an election will be held for three seats on the Board of Directors and one seat on the Supervisory Committee in 2022. Nominations will be accepted from May 17, 2021 through June 30, 2021. Candidates must be members of The Police Credit Union of California in good standing and at least 18 years of age.

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Car Sale
EVENTS
 

Auto Loan Rates as low as 0.99% APR* at Our Car Sale (April 23-May 2, 2021)

From April 23-May 2, 2021, visit any Enterprise Car Sale location in California and when you finance your new ride with The Police Credit Union, you'll receive a 1.25% APR discount!*

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OfficerPrivacy

OFFICERPRIVACY

 

We've partnered with OfficerPrivacy to bring data removal and monitoring services to our law enforcement members.

Coloring Contest

COLOR AND WIN

 

Kids 10 and under can enter our coloring contest to win two free tickets to the Academy of Sciences!4

HELOC Changes

HELOC NOTICE

 

Important changes for members with HELOC accounts: Effective 4/30/2021, your statement date and payment due date will be changing.

LOAN RATES

Vehicle Loans Rates as low as 1.99% APR**
Public Safety Assistance Loan Rates as low as 2.99% APR+
Personal Loan Rates as low as 5.85% APR++
Home Loans (30 Year Fixed) Rates as low as 2.500% (2.798% APR)3
Loan rates current as of 4/13/2021. Rates, terms, and conditions subject to change without notice. Visit our website for our most current rates.

Providing Financial Solutions to Take Care of Our Own

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Holiday Schedule

*APR = Annual Percentage Rate. Example rate of 0.99% APR with 36 monthly payments = $28.21 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments, a 1.00% off current The Police Credit Union rate with a max loan term of 60 months, and .25% discount for members who purchase a vehicle at an Enterprise Car Sales location on April 23- May 2, 2021 (fully indexed rate of 2.49%). APR is based on evaluation of credit history, so your rate may differ. Rates, fees and terms are subject to change at any time, visit our website for current rates at www.thepolicecu.org. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. All vehicle inventory is available by visiting enterprisecarsales.com or a dealership where a Sales Consultant can help you find vehicles available in our nationwide inventory. Delivery of vehicles outside local area may require transfer fee.
**APR = Annual Percentage Rate. Example rate of 1.99% APR with 36 monthly payments = $28.64 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments and loan to value <=75% (fully indexed rate of 2.49%). 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 4/13/2021 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%. Refinance example note rate of 2.500% with 360 payments = $395.12 per $100,000 borrowed. Members must meet CU guidelines for approval. Final approval required. Equal Housing Lender. 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.
4 No purchase necessary to enter and win. Limit one entry per person. Entry becomes the property of The Police CU. The winners will be selected by The Police CU staff and notified on or before May 17, 2021 by email or telephone. The Police CU assumes no liability in relation to this prize. All decisions of The Police CU in applying these contest rules are final. The Police CU employees and volunteers, and their immediate families, are not eligible.

++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.