Skip to main content

Program Overview

We are proud to offer a special debt forgiveness benefit exclusively for our members who serve as active full-time sworn peace officers and reserve peace officers. 

Qualified members may enroll by speaking to a Loan Officer when opening an eligible loan. This complimentary benefit covers eligible member loans taken out at the Credit Union, including:

  • Mortgage & Home Equity Loans
  • Auto Loans
  • Credit Cards
  • Personal Loans

To qualify for the End of Watch Debt Forgiveness Benefit, members must:

  1. Have funded a new loan amount of at least $10,000 with The Police Credit Union
  2. Be a member of the Credit Union and be an active full-time sworn peace officer or reserve peace officer employed by a federal, state, county or municipal agency

Frequently Asked Questions

Expand All
  • Who is eligible for the End of Watch Debt Forgiveness Benefit program?

    Any member of The Police Credit Union who is an active full-time sworn peace officer or reserve peace officer (excluding Alaska and Washington).

  • Is there a cost to add this benefit?

    There is no cost to you as a member of The Police Credit Union.

  • How do I qualify for this benefit?

    To qualify for the End of Watch Debt Forgiveness Benefit, the Borrower must 1) have funded a new loan amount of at least $10,000 with The Police Credit Union, and 2) be a member of the Credit Union and be an active full-time sworn peace officer or reserve peace officer employed by a federal, state, county or municipal agency.

  • What is the maximum debt amount covered?

    The End of Watch Debt Forgiveness Benefit cancels the outstanding loan balance(s) as of the eligible officer's date of death up to a combined maximum of $850,000 for all loans with the Credit Union.

  • Are credit card balances covered?

    Yes, all eligible loan types are covered, including mortgage loans.

  • Are there any program exclusions?
    • Death from suicide or self-inflicted injury or abuse
    • Pre-existing health conditions
    • Death due to disease or other causes not directly related to work-related activities including but not limited to cancer, Alzheimer's disease, heart or liver disease
    • Covered borrower is aged 70+
    • Death occurs prior to the effective date of protection
    • Death occurs as a result of a crime committed by borrower
    • Death is caused by an outbreak of a communicable disease or pandemic
    • Death from an atomic explosion, war, terrorism

    Please see waiver addendum for additional detail regarding program exclusions, terms and conditions.

  • If I already have an umbrella policy with my insurance carrier, does that provide a similar benefit to the End of Watch Debt Forgiveness benefit?

    No, the two are different. Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations. Premiums are paid by the holder of the insurance policy and there is no payout upon the death of the account holder.

    The End of Watch debt forgiveness benefit is a program offered by The Police Credit Union at no cost to qualifying members that cancels a sworn peace officer’s outstanding loans up to $850,000 when death occurs while the member is engaged in work‐related activities as a full‐time peace officer, whether on or off duty, as the result of external force, violence or disease. No sign-up is required; The Police Credit Union pays the premium for End of Watch coverage upon the funding of a new loan of  $10,000 or more.

  • Where can I find out more information?

    For inquiries related to the End of Watch Debt Forgiveness Benefit, please look for the "We're here to help" section below.

    The Police Credit Union provides the End of Watch Debt Forgiveness Benefit through a partnership with AmTrust Specialty Risk.

Need to file a claim?

End of Watch Inquiry Form

We're Here to Help

Member Services Representative in front of The Police Credit Union Logo
Other ways to connect with us

Call us at 800.222.1391 or find a branch location, by clicking the button below.

Our Locations

Meet with us virtually

Schedule an appointment or meet a member of our Virtual Branch team from your computer, laptop, or mobile device

Visit our Virtual Branch

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

External Link Alert


You are leaving our website and linking to an alternative website not operated by us. The Credit Union does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

The Credit Union is not liable for any failure of products or services advertised on those sites. Each third-party site may have a privacy policy different than the Credit Union; and the linked third-party website may provide less security than the Credit Union's website. If you click "OK", an external website that is owned and operated by a third-party will be opened in a new browser window. If you click "CANCEL" you will be returned to our website.

Continue

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, click the button below to submit a membership application.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.