DECEMBER 2020


 

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HOLIDAY SHOPPING TIPS FOR 2020
 
 

 

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For those preparing to tackle holiday shopping, here are some tips specific to the unusual nature of 2020.

ITM
TECHNOLOGY

San Bruno ITM Activation Coming Soon

We're excited to bring in-branch ITM functionality to members at our San Bruno location in mid-January 2021!

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Scholarships
SCHOLARSHIPS
 

Our Scholarship Application Deadline is December 31, 2020

Students can apply online by December 31st for a chance to win one of five $2,500 scholarships from The Police Credit Union.

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2021 Calendars
CALENDARS
 

Request Your 2021 Wall Calendar Online

If you'd like to receive a copy of our 2021 wall calendar in the mail, please submit a request online through our online form.

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Home Loans

HOME LOANS

 

Contact us for information on historic low home loan rates for law enforcement and their families.

Enterprise Trade-In Offer

TRADE-IN OFFER

 

From 12/1/20 - 1/2/21, Enterprise will appraise your vehicle using Kelley Blue Book Trade-In Value and add $1,000.3

Personal Loans

PERSONAL LOANS

 

Learn about the benefits of using a Personal Loan instead of a credit card for your holiday shopping.

LOAN RATES

Vehicle Loans Rates as low as 2.14% APR***
Public Safety Assistance Loan Rates as low as 2.99 % APR+
Personal Loan Rates as low as 9.24% APR++
Home Loans (30 Year Fixed) Rates as low as 2.375% (2.602% APR)3
Loan rates current as of 12/7/2020. Rates, terms, and conditions subject to change without notice. Visit our website for our most current rates.

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800.222.1391

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Holiday Schedule

*APR = Annual Percentage Rate. Example rate of 1.39% APR with 36 monthly payments = $28.38 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 November 13-November 22, 2020 (fully indexed rate of 2.89%). 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.
1 Terms and conditions apply. For full terms and conditions, click here.

2APR=Annual Percentage Rate. Prescreen offer is available for properties located in California only. Pricing effective 12/7/2020 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 2.375% with 360 payments = $388.65 per $100,000 borrowed. Members must meet CU guidelines for approval. Final approval required. Equal Housing Lender. NMLS ID#409710.
3 Kelley Blue Book Trade-In Values used by Enterprise are obtained from ©2020 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating & mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer’s vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles & light duty trucks, with a Kelley Blue Book Trade-In Value & when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration & all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA & Washington, D.C. Offer valid on/from 12/1/20 – 1/2/21. No cash advances. Offer cannot be combined. Not valid on previous purchases.

***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.

+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 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.