AUGUST 2024


 

Your Credit Union's Monthly Email Newsletter



Best Practices for
Cyber Security in 2024



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Protect your assets and sensitive information from falling into the wrong hands and minimize your risk of unauthorized intrusions into your personal life with these easy-to-implement measures for good digital hygiene.

Saving on summer travel
SERVICES

NEW Auto Buying Service

Shopping for a new or used vehicle? Find the make and model you're looking for effortlessly with The Police Credit Union's Auto Buying Service - just fill out our request form and we'll get to work.

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couple reviewing retirement plan
EVENT

Join Us for Our Next Used Auto Sale (August 23 - September 21, 2024)

Save on a loan with The Police Credit Union when you buy your used vehicle through Enterprise. Get a 1.00% APR discount* for terms up to 72 months!

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Educational Seminars
WEBINAR

RSVP: Understanding Your Credit Report and Score

Join us for a no-cost educational webinar on August 27, 2024, at 1:00 p.m. PST, co-hosted by GreenPath Financial Wellness. Our experts will teach you what you need to understand about your credit report and score.

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Platinum Visa Card

PLATINUM VISA CARD

 

Our Platinum Visa features competitive rates as low as 9.25% APR, zero cash advance fees and a generous rewards program.

9-month Certificate

9-MONTH CERTIFICATE

 

Earn 4.341% APY** (4.25%), with our 9-Month Certificate. In today's volatile rate market, enjoy a highly competitive rate, with the peace of mind that your funds are insured.

Personal Loan

PERSONAL LOAN

 

Need extra money for back-to-school expenses? Borrow up to $50,000 for any purpose and enjoy competitive rates with flexible terms.

LOAN RATES

Vehicle Loans Rates as low as 6.14% APR1
Personal Loan Rates as low as 9.34% APR2
Home Loans (15/15 ARM) Rates as low as 6.625% APR3
Loan rates current as of 8/9/2024. 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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800.222.1391

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*1.00% off current credit union rate, with a maximum loan term of 60 months. Offer valid now to 12/31/2024 and is subject to change without notice. This offer cannot be combined with any other offer. 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.

**APY (Annual Percentage Yield) effective as of 2/27/2024 for a special 9-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 9 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 12-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

1Important Notes: APR = Annual Percentage Rate. Example rate of 6.14% APR with 36 monthly payments = $30.49 per $1,000 borrowed, loan to value <=75%. +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. Maximum vehicle mileage = 175,000.

2APR = Annual Percentage Rate. Example rate of 9.34% with 36 monthly payments = $31.96 per $1,000 borrowed. Rates quoted above assume excellent borrower history. 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. 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.

3APR = Annual Percentage Rate. Loan is a variable rate loan (15/15 Adjustable Rate Mortgage (ARM)) of 6.625% APR, 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. Example note rate of 6.625% with 360 monthly payments = $640.32 per $100,000 borrowed. Payment amount does not include taxes and insurance, and actual payment obligation will be greater. Pricing effective 8/9/2024 and subject to change at any time. Rate may increase after consummation.