e-Services
Manage your financial life, quickly & easily with Police FCU e-Services.

Online Banking – Safe & secure, password protected, 24/7 banking from your personal computer, tablet or web enabled smart phone. View real-time transaction history and balances, make loan payment, transfer funds between accounts and even apply for loans (and get quick approvals). Download your account information to Quicken or MS Excel and simplify your online money management.

Online Bill Pay – Manage all of your bills from one secure location. Quick, easy, and convenient! You can pay bills directly from your Police FCU checking account and schedule recurring payments to ensure your bills are paid on time. You can even make payments directly to any person or merchant in the U.S.

This FREE service is available through Online Banking and enrollment is simple. Just log into your Police FCU Online Banking, select “Bill Pay” from the menu bar.

Online check deposit service. As the name states, ez Check Deposit allows you to conveniently deposit checks to your Police FCU account from home using your scanner! Visit www.policefcu.com or call for more details.

e-Statements – Be green, help reduce paper consumption and clutter by signing up for e-Statements. The next time you log into Online Banking, click the green “Access e-Statements” button on the main page. Once signed up you’ll be able to access account history for up to 24 months; view, save, print whenever you wish!

New Year, New Car? (back to top)

Thinking about buying a new or used vehicle? Or perhaps you just want to lower your monthly payment on your loan from another lender? Right now is the perfect time to lock in your low rate! Police FCU is offering rates as low as 1.99%APR*, and terms up to 63 months!

Police FCU can make your purchase a smooth ride – let us pre-approve your loan before you go shopping. Whether you’re purchasing from a dealer or private sale, you won’t need to worry about working out the financing.

Take advantage of a 1% loan rebate or 1% rate discount
through January 31, 2012.

Apply online at www.policefcu.com, stop by the credit union, or call us for more information.

Looking at a used vehicle? Don’t forget to check the Carfax report. Police FCU now offers our members special pricing on Carfax reports – only $15, compared to $30 (as published on the Carfax website). Avoid the risk of buying a car with costly hidden problems. Get a detailed vehicle history report from Carfax and save money with Police FCU.

Did you know Police FCU offers GAP insurance?
And for a whole lot less than the dealers charge!
GAP insurance covers the difference between what the car is worth and what you owe on the car. It comes into play if the car is stolen or totalled while you are still making payments.

Also Consider

MRC – Mechanical Repair Coverage, which protects new and eligible used vehicles—even after the manufacturer’s warranty expires and helps minimize the impact of unexpected repair bills. Before you purchase an extended service contract from a car dealer, make sure to compare the GAP and MRC costs at the credit union. We may be able to offer you better coverage at a lower price.

*APR = Annual Percentage Rate. Rates are subject to change without prior notice. Rates and terms are based on applicant(s) credit history. Your actual rate may vary. Advertised rate reflects 20% down on a 63 month term and includes a 1.00% promotional discount, plus a 0.5% discount for Direct Deposit of $1,000, or more monthly, and a Police FCU checking account with check card. Example: On a $15,000 auto loan, at 1.99% APR for 63 months, your monthly payments = $250.95. Certain restrictions apply. Other rates and terms available. Please ask for details. Current Police FCU loans not eligible for refinance.

Start the New Year by
Saving for a New Future (back to top)

It’s never too late to begin saving for the future and Police FCU offers several IRA options to help! Why not start the New Year off right and begin the process of saving for a brighter future.

If you’re saving for college or for retirement we offer traditional, Roth, SEP and Coverdell Educational Savings IRAs that can assist you in reaching your life’s financial goals. A Police FCU IRA is also a great place to reinvest your 401(k), Qualified Retirement Account, or a rollover.

Visit our IRA page on the website at http://www.policefcu.com/home/savings/ira.

Don’t forget you have until April 17, 2012 to contribute to your 2011 IRA.

All of our IRAs are federally insured up to $250,000 by the National Credit Union Association (NCUA).

Annual Financial Check-Up (back to top)

This year, whether you need some assistance navigating
your financial direction, or you just want to be sure you are on course, make sure you schedule your annual financial check-up with Police FCU. We will review your financial picture so you can be confident that your financial house is in order and headed in the right direction. Call us at 301.817.1200 to set up an appointment.

2012 College Scholarship Awards Program (back to top)

Brought to You by MD & DC CU Foundation and Police FCU

Are you or a family member headed off to college in 2012? Police FCU is pleased to announce a college scholarship opportunity that may make it easier for you to meet your tuition costs. The $11,000 Credit Union College Scholarship Program for 2012 is now underway! Our college-bound members are eligible to apply for one of ten $1,000 essay-based scholarships and one $1,000 video-based scholarship.

The deadline for applications is March 31, 2012, and awards will be made in May 2012.

This year’s essay topic is:
How can your credit union help you and others of college age during this current economic slump?

The 2012 video challenge is:
Create a 60-second (or less) video advertisement for a credit union wanting to reach out to college-aged students.

Any member of Police FCU who is entering their freshmen through senior year of college may apply. The
awardees receive needed financial assistance to help them meet their tuition expenses and the essay and video topics provoke innovative and useful responses to help us better serve our college-aged members.

Applications and complete details on the Credit Union College Scholarship Program can be found at: www.policefcu.com, click the scholarship link.

The Credit Union Foundation of MD & DC and its generous supporters make this scholarship possible.

Save the Dates! (back to top)

Annual Meeting
Plan to attend the Police FCU Annual Meeting:
Saturday, April 14
FOP Lodge 89
2905 Old Largo Rd.
Upper Marlboro, MD

From 2:00 p.m. – 4:30 p.m.
(business meeting will begin at 3:00p.m.)

Police FCU is your credit union. Be involved, and take part in reviewing highlights of 2011, discussing plans for 2012, and electing our Board of Directors. This will be a business-meeting format and reception with light fare. Please RSVP by phone 301.817.1200 or email Linda Stout at lstout@policefcu.org before April 2, 2012 so your seat will be saved.

The 2012 Annual Credit Union
Mortgage Association, Inc.
Mortgage School Event

March, 24th, 2012
The Westin/Tyson’s Corner (www.westintysoncorner.com)
7801 Leesburg Pike
Falls Church, VA 22043
Please visit our website for details.

Space is limited, advanced registration is required. Please RSVP at either Police FCU branch or e-mail Terri Vance at tvance@policefcu.org by February 25th. If you have questions about the event, please call 301.817.1200.

Why Throw Away Your Money? Save with Sprint (back to top)

Why Throw Away Your Money?

Save with Join the over 1.2 Million credit union members nationwide that are already saving over $124 million on their wireless plans! Police FCU is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.

Ways you can save:

• 10% off* most regularly priced Sprint individual service plans
  
• 15% off* most regularly priced Sprint business service plans
  
• Waived activation fee on new activations
  
• Waived upgrade fee
  
• Available to new and existing Sprint customers
  

Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive.

3 Ways to Get Your Discount:

• Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save
• Click www.SprintSave4CU.com
  
• Visit your nearest Sprint store

What are you waiting for? Start saving today!

*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade.

All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

Feeling the Post-Holiday Debt Hangover? (back to top)

Police FCU has Just the Remedy!

If you spent a bit more than expected this season, Police FCU may be able to help. We offer Bill Consolidation loans and can personalize a plan for you! A Bill Consolidation loan streamlines your bill paying, allowing you to make just one payment. Take those higher interest holiday debts and move them to one simple lower interest payment. You can choose to either pay your debts off faster by continuing the same payment you’re making now or stretch your payments over 60 months to lower your payments as well as the interest paid.

Don’t wait, apply today! You’ve got nothing to lose and potentially a lot of money to save! Applications available at both branch locations, online at www.policefcu.com, or call: 301.817.1200 (toll free 877.278.7328).

*APR = Annual Percentage Rate. Loan subject to credit approval. Rate based on term of loan and creditworthiness. **Rate shown reflects 0.25% APR – Annual Percentage Rate discount for checking account, direct deposit of $1,000 or more monthly, and Check Card with Police FCU with a 60-month term.

Privacy Policy (back to top)

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: social security number, date of birth, transactions, income, and credit history, account balances, mortgage rates and payments, and checking account information

How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Police Federal Credit Union chooses to share, and whether you can limit this sharing.

How does Police Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Police Federal Credit Union collect my personal information? We collect your personal information, for example, when you: open an account, deposit money, apply for a loan, provide account information, provide mortgage information, pay your bills or use your credit or debit card. We also collect your personal information on an ongoing basis from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes – information about your creditworthiness, affiliates from using your information to market to you and sharing for non affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates – Companies related by common ownership or control. They can
be financial and non financial companies. Police FCU has no affiliates.
Non affiliates – Companies not related by common ownership or control. They can be financial and non financial companies. Non affiliates we share with can include insurance companies, direct marketing companies.
Joint marketing – A formal agreement between non affiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies.

Questions? Call 301.817.1200 (local), 877. 278.7328 (toll-free) or go to www.policefcu.com.

Get More than Just a Refund with TurboTax^® (back to top)

Get a Chance to Win $15,000 on the Way
to Your Maximum Refund with TurboTax^®

Police FCU members, take advantage of this limited-time offer! Try any TurboTax® Online product for FREE and automatically be entered for a chance to win $15,000!*

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Is Your Information Current? (back to top)

To serve you better and to help Police FCU contact you quickly when necessary, please be sure to
keep your information with us current. Let us know as soon as possible when any of the following information changes: Name, Street address, Phone numbers (home, work or cell) or E-mail address.

Fill out a Contact Information Update Form in one of our branches or online at www.policefcu.com. If you have any questions, call 301-817-1200 or 877-ARU-PFCU toll-free.