APRIL 2025


 

APB Newsletter



Protect Your Online Privacy
with Ironwall by Incogni



LEARN MORE

Remove your home address and other personal information anywhere it is accessible online with Ironwall. As a member of The Police Credit Union, you are eligible to receive Ironwall's signature protection program for just $69 per year (a $199 value).

security
BLOG

Why Emergency Funds Are Critical as You Approach Retirement 

Before you put in your papers, make sure you have considered these factors that make an emergency fund an indispensable component of a well-balanced financial plan for this exciting life stage.

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GreenPathFinancial
NEWS

Board of Directors and Supervisory Committee Nominations Open on May 17th, 2025

The Nominating Committee announces that The Police Credit Union of California’s 2026 Annual Election will be for two vacancies occurring on the Board of Directors and one vacancy on the Supervisory Committee, each for a three-year term commencing in 2026.

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CarSale
EVENTS

Join Us for Our Used Auto Sale (April 18 - May 3, 2025)

Visit any California Enterprise Car Sales location from April 18 - May 3, 2025, and when you finance your new ride with The Police Credit Union, you'll receive a 1.00% APR discount* for terms up to 72 months!

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HELOC and Home Equity Loans

HELOC AND
HOME EQUITY LOAN

 

Considering a home improvement project, or need funds to pay for tuition or a family vacation? Tap into the equity of your home to get the cash you need, when you need it, at an affordable rate.

Smart Advantage Money Market

FEE-FREE CHECKING AND ATM REBATES

 

We make financing easy. Our streamlined process and loan officers get you in your new vehicle quickly and painlessly!

Virtual Branch

CHECKING ACCOUNT WITH ATM REBATES

 

Enjoy up to 10 ATM fee rebates per month when you use another financial institution's ATM.*** Get easy access to your funds, without the fees!

LOAN RATES

New Vehicle Loans Rates as low as 5.74% APR1
Personal Loan Rates as low as 9.34% APR2
Home Loans (15/15 ARM) Rates as low as 6.250% APR3
Loan rates current as of 4/7/2025. 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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*APR = Annual Percentage Rate. Example used auto rate of 5.74% APR with 36 monthly payments = $30.30 per $1,000 borrowed, and 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. Rates, terms and conditions are subject to change without notice. Maximum vehicle mileage = 175,000. Lowest qualified rate assumes 1.00% off current The Police Credit Union rate with a max loan term of 72 months, and <=75% Loan-to-Value (LTV) for vehicles purchased April 18 - May 3, 2025 from Enterprise Car Sales and financed with The Police Credit Union. APR is based on evaluation of credit history, so your rate may differ. Pricing subject to change at any time. Rates, fees and terms are subject to change at any time, visit our website for current rates at www.thepolicecu.org. Used vehicle is defined as 2016 thru 2024. 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 net-work 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.
**Important Notes: APR = Annual Percentage Rate. Example new auto rate of 5.74% APR with 36 monthly payments = $30.30 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. New auto is defined as 2025 with no mileage requirement or 2024 with 7,500 miles or less.
***The Police Credit Union will refund ATM surcharges up to $3.00 per out of network ATM transaction. You must have a TPCU Checking Account in good standing and a Direct Deposit posted to your Checking monthly. ATM Access Only.

1Important Notes: APR = Annual Percentage Rate. Example rate of 5.74% APR with 36 monthly payments = $30.58 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 6.250% 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 6.250% with 360 monthly payments = $615.73 per $100,000 borrowed. Payment amount does not include taxes and insurance, and actual payment obligation will be greater. Pricing effective 4/7/2025 and subject to change at any time. Rate may increase after consummation.