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Personal Loan Rates

Rates Effective: January 8, 2024

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  • Personal Loan
    Loan Loan Maximun Term APR As Low As*
    Personal Loan++ $50,000** 1-36 months 9.34%
      $50,000** 37-60 months 9.84%
      $50,000** 61-72 months 10.54% $15k & over
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    *APR = 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.

    **$50,000 loan maximum assumes excellent borrower history. Not all members will qualify.

    ++Maximum aggregate signature loan balances cannot exceed $50,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

  • Overdraft Protection Line of Credit
    Loan Loan Maximun APR As Low As*
    Overdraft Protection $2,000 12.99%
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    *APR = Annual Percentage Rate. 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 rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

  • Savings Secured Loans
    Loan APR As Low As*
    Savings Secured and Certificate Secured Loans Use your Savings or Certificate to secure a low-cost loan. The interest rate is just 3.25% above your Savings or Certificate rate. Savings Secured Loans are available for a maximum term of 60 months.
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    *APR = Annual Percentage Rate. Interest rate is 3.25% above your Savings or Certificate rate and available for a maximum term of 60 months. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

  • Green Energy Loan
    Loan APR As Low As*
    12-60 months+ 7.24% APR
    61-120 months 7.74% APR
    121-180 months 7.74% APR
    181-240 months 8.24% APR
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    Maximum loan amount $75,000, $125 loan processing fee.
    *APR=Annual Percentage Rate. Example rate of 7.24% APR with 120 monthly payments = $117.35 per $10,000 borrowed. Rates quoted assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made. A $125 processing fee to be collected with application. All loans secured by a UCC-1 financing statement. Selected contractors must be licensed and approved prior to loan approval. Rates, terms and conditions subject to change. Additional terms and conditions apply.

It’s quick and easy to apply online.

What our members are saying

"I applied online for a personal loan and Nelly Iran responded to my request. She was friendly, helpful and went above and beyond to get me set up with what I needed. In addition to sorting out the loan, she gave me some very useful tips for boosting my credit score. Without a doubt, the best banking experience I have ever had! "

An outline of a memo note with a pen writing.

Carla L.

"The Police Credit Union backed by a staff of Customer Service Relations Models made every aspect of my loan experience a lot better, that kind of positive experience verbal words may not convey. From the application to the approval process, my personal loan came with a competitive rate that I'm comfortable paying for. Equally important is the safe and easy to navigate online service I use for my banking needs locally and abroad. As my credit union continuous to grow, I believe it will be the building champion to meet tomorrow's challenge in the banking industry. Keep it up and Good Luck."

An outline of a memo note with a pen writing.

Evangeline C.

We're Here to Help

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Virtual Branch Hours
Monday - Friday: 10:00 a.m. - 5:00 p.m. PST
Saturday: 9:00 a.m. - 12:00 p.m., 12:30 p.m. - 3:00 p.m. PST

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