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Police FCU

In this Issue

arrow Great Deals on Wheels...It’s Going Down at Police FCU
arrow No Holiday Humbug Here!
arrow Police FCU Holiday Cash is Back!
arrow Did You Know?
arrow Schedule of Fees Update
arrow Need Extended Branch Hours?
arrow Requesting Financial Backup?
arrow The Best of All Worlds – Save Time and Money Paying Your Bills Online
arrow Insurance Built for Credit union Members like You
arrow Don’t Forget GAP Plus
arrow Police FCU is Proud to Support Law Enforcement Community Events
arrow Police FCU Assists with NOBLE and HopeLine, Helping Domestic Violence Victims
arrow Police Federal Credit Union Members Save Big with the Sprint Credit Union Member Discount
arrow Every Little Bit Counts
arrow Keep Your Information Up to Date


Headquarters & Branch Office
9100 Presidential Parkway
Upper Marlboro, MD 20772
Branch Hrs: 9am-4pm, M-F
Sat. 8:30am – 12:30pm
Drive-Thru Hrs: 8am-6pm, M-F

Downtown DC Branch Office
300 Indiana Ave NW, #4067
Washington, DC 20001
Branch Hrs: 8am-3pm, M-F

Main Phone: 301-817-1200
Audio Response - Banking By Phone: 301-817-1201
Fax: 301-817-1230

Check Out Our
Current Rates

Holiday Closings

Columbus Day
Monday, October 8, 2012

Veteran’s Day
Monday, November 12, 2012

Thanksgiving Day
Thursday, November 22, 2012

Day after Thanksgiving
Friday, November 23, 2012
(DC Branch only)

Christmas Day
Tuesday, December 25, 2012

New Year’s Day
Tuesday, January 1, 2013

by the numbers

As of August 31, 2012



Great Deals on Wheels...It’s Going Down at Police FCU
(back to top)

Incredible Rates on New, Pre-owned, and Refinanced Vehicles

Word around town is, “Police FCU is the place to get a steal on your auto loan financing, and refinancing.”

And right now, we have teamed up with some local dealerships to get you the best deals around!

But if you want to take advantage of these unbelievable deals and rates, PLUS no payments for 90 days, you don’t have much time, this limited time offer only lasts through November 30, 2012.

For more details, a list of participating dealerships, or to apply online, visit www.policefcu.com today! Getting a great rate from the credit union you trust has never been easier!

More value for your membership.
Member priced auto insurance. Click here for Details.

*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, includes a 2.00% scratch card discount and Direct Deposit of $1,000, or more monthly, and automatic payments. Example: On a $15,000 auto loan, at 1.24% APR for 63 months, your monthly payments = $246.05. Certain restrictions apply. Other rates and terms available. Contact Police FCU for details. Current Police FCU loans not eligible for refinance. Possible scratch card discounts: 1%, 1.5%, 2%. Odds of receiving 2% discount are 1 in 7.33.


No Holiday Humbug Here! (back to top)

Police FCU Can Help Ease Your Wallet Squeeze with These Seasonal Specials, from October 1 – December 24.

Special Holiday Loan
Borrow up to $3,000 with joyous repayment periods of up to 18 months! This season, ditch the high-rate credit card and make your money go a little further with this lower rate alternative.

Just in time for when you need it the most, the holiday Skip-A-Pay is back! Skip a payment on one or more of your Police FCU loans, and keep a little extra money in your pockets for the holidays. You may skip either your November or December’s loan payment if you have made a minimum of three on-time loan payments since your loan has been opened, or since your last skipped payment**.

Special Holiday Quick Draw Loan
Save the stress of going to one of those, “cash advance” stores this holiday season. Instead, choose the jollier Police FCU Quick Draw Loan. Get up to $750 cash to get you through the holidays with a smile on your face. We’ll even give you five months to pay the loan back! Compare that to the, “cash advance” store – and there is no comparison.

Qualifying is easy:
• Member in good standing for at least three months
• Direct Deposit of your net pay; minimum $1,000/month
• No more than three Quick Draw Loans in any six-month rolling period
• No bankruptcy action

To apply for any of the above loans, call 301-817-1200 or apply online at www.policefcu.com.

*APR = Annual Percentage Rate. Rates are subject to change without prior notice and are based on borrowers’ credit score. Certain restrictions apply. Payment example: for this special repayment would be $142.35 per month.
**There is a $30 service fee for each skipped payment, and interest will continue to accrue on your loan(s) and the loan term will be extended. Home Equity Loans, Home Equity Lines of Credit, First Mortgage Loans and VISA® Credit Cards are not eligible for the Skip-a-Payment program. Restrictions apply.
†Quick Draw Loan Payment Example: If you deposit $75 from a $750 Quick Draw Loan to a savings account with the Credit Union, we’ll lower your interest rate to 18% APR*. Otherwise, your rate will be 24% APR. The total cost
for a loan of $750 for five months would be either $54 or $67 including the $20 application fee, depending upon whether you elect the savings option, and your monthly payments would be $156.83 or $159.14, respectively.


Police FCU Holiday Cash is Back! (back to top)

Four Lucky Members Will Win Up to $1,000 Each for the Holidays!!!
Police FCU is Paying for Four Lucky Member’s Holiday Purchases.

Beginning November 1, 2012 through December 31, 2012, when you make purchases using your Police FCU VISA® Check card, you have the chance to have Police FCU pay for up to $1,000 of your holiday season check card purchases!

From holiday gifts, dinners, and decorations, to the regular morning coffee, snacks on the go, and gas; this holiday season, take advantage of the convenience and security of your Police FCU VISA® Check Card…it could be worth up to $1,000!

The more you use your Police FCU VISA® Check Card, the more chances you have to win!

We encourage our members to spend wisely/responsibly. Prize award amount based on Police FCU VISA® Check Card purchase amounts; Police FCU will pay up to $1,000 per member in prize money. Minimum reward $100

Disclosure: Police FCU VISA® Holiday Cash Promotion runs from Thursday, November 1, 2012 at 12:00am EST, through Monday, December 31, 2012 at 11:59pm EST. Eligibility: The winner must be 18 years of age or older, have a valid Social Security or tax ID number, currently have or open Police FCU checking and savings accounts in good standing, and a Police FCU VISA® Check Card. See account disclosure for complete details. One winner per household. Winner can only win once during this promotion. Entries: For every five point of sales transaction you make, using your Police FCU VISA® Check Card, you earn an entry into the contest drawing. Drawings: Four names will be randomly selected from valid entries to win the promotion prize. Transactions posted during the dates of the contest are eligible for that the drawing. Please be aware that your point of sale purchase may not post same day. Police FCU is not responsible for merchant transaction post schedules. The drawings will be conducted by close of business, the following Friday, January 4, 2013. Winners will be notified via phone within a week of the drawing. Entries are also available by hand-printing your name, address and phone number on a plain, 3” x 5” card and mailing it to Police FCU Holiday Cash Promotion, Attn: Marketing Dept., 9100 Presidential Parkway, Upper Marlboro, MD 20772. Limit one mailed entry per household. No mechanical reproductions will be accepted. Must meet qualifications to open a Police FCU checking account. Odds of winning are unknown, but based on the total number of entries during the drawing period. We will provide the winner instructions to verify identity. If winner does not contact Police FCU within 14 calendar days, the winnings will be forfeited. The credit union will report the drawing prize, as required by applicable law. Member is responsible for applicable tax consequences. The winners agree to permit the credit union to use their name and likeness in credit union materials. Offer subject to change and/or cancellation at any time by Police Federal Credit Union without notice. Restrictions: Some restrictions apply. Employees, volunteers, officers and directors of the Police FCU, or their parents, affiliates, subsidiaries; their legal advisors, promotional and advertising agencies, as well as the immediate families (spouse, parents, grandparents, children, grand children, siblings, regardless of residence) and household members of such employees, officers or directors (whether related or not), are not eligible to participate in the drawing. Not valid where prohibited by law. Disclosure for 1099: The winner is responsible for all applicable taxes and will receive the appropriate IRS Form 1099 shortly after the end of the year in which the winner received the prize. No purchase or payment of any kind is necessary to enter or win this sweepstakes.

Get Your Police FCU VISA® Check Card Today!

If you don’t yet have your Police FCU VISA® Check Card, you’re missing out on a superior value and the easiest way to make your purchases, not to mention the opportunity to win some holiday cash!

The Police FCU VISA® Check Card:
• Is convenient
• Goes wherever you do – can be used in millions of places worldwide – anywhere you see the VISA® logo displayed.
• Is easier and faster than writing a check
• Is safer than carrying around cash
• Also works as an ATM card – In the event that you do need cash, you can withdraw cash at over 32,000 ATMs, nationwide, anytime, day or night, surcharge-free.

Stop by the Police FCU branch nearest you for an application, or visit our website at www.policefcu.com.


Youth Account VISA® Check Cards

Police FCU understands the importance of teaching young people the value of saving their money and getting them into the habit of responsibly handling their finances.

A great hands on teaching tool in the learning process is the Police FCU VISA® Check Card. Perfect for working high schoolers and college bound students, the Police FCU VISA® Check Card gives them convenient access to their funds, at the same time, they’ll become more familiar with – and learn the responsibilities of – making (and sticking with) their own budgets, under your watchful eye, as you can easily make transfer deposits from your account to theirs.

Take the time to discuss finances with your child. Once you’re done, if you both agree your son or daughter (16 and up) can benefit from a VISA® Check Card, stop by the Police FCU branch nearest you today.



Did You Know? (back to top)

The Credit Union Shared Branch network continues to grow, and today, it has nearly 5,000 branches nationwide, which makes credit union accessibility #3 in the entire nation!

Anywhere you see the “swirl,” you can conduct a wide range of transactions just as you would at any Police FCU branch. These include deposits, withdrawals, loan payments, make transfers between accounts, purchase money orders, and more!

To locate a shared branch near you, you can visit www.policefcu.com – click the, “ATM & Branch Locator” link. You can also download the branch locator app for your iPhone® or Android® from our website and always know where you can find the nearest Credit Union Shared Branch.

Quick Stats – Shared Branches in the following states:


Schedule of Fees Update (back to top)

Effective November 1, 2012

Shared Branch transactions are limited to two transactions per month. There will be a $5.00 charge assessed for each transaction over this limit, however; this fee is waived on accounts with a Loan and/or active Checking account with ten or more point-of-sale Debit Card transactions during the month.

For the full schedule of fees, please visit www.policefcu.com and click the ‘Rates & Fees’ link on the menu bar.



Need Extended Branch Hours? (back to top)

Police FCU Online Banking is Open 24/7!

Just in case you hadn’t already heard, with Police FCU Online Banking, not only do you have the flexibility to manage your account on your own terms, but paying bills, applying for loans, transferring money and even depositing checks from home using ez Check Deposit has never been easier!!!

Log in today and experience for yourself!

Featured Service – Try it today!

To post a remote deposit, simply:
1. Log into your Police FCU Online Banking account
2. Select ‘Remote Deposit’
3. Enter deposit information
4. Scan the check, verify, submit

And don’t forget about the other Police FCU 24/7 conveniences including Mobile Banking, Text Banking, Audio Response – Banking by Phone, and Online Bill Pay.


Requesting Financial Backup? (back to top)

A Police FCU Backup Line of Credit is the Clear Choice.

If an unforeseen situation arose in your life that resulted in a significant expense, would you be prepared for it? Would you like to pay off higher-rate loans through a smaller-rate loan?

Whatever the purpose, you’ll appreciate the flexibility and low rates we offer.

What’s more, interest is only charged on the funds you use – and as you repay the principal, that money becomes available to you again. Visit our website for more information, or to get an application.

Plan to end your year with a lighter load. Consolidate your debts with Police FCU Backup Line of Credit; you can drop your interest rate, then drop your high interest rate credit cards!

In addition to getting a better interest rate and simplifying your finances, you know you are dealing with people you can trust who have “your best interest” at heart!

So what are you waiting for? Simplify your life and lower your payments – all in one simple move. Call us or stop by today to find out more.


The Best of All Worlds – Save Time and Money Paying Your Bills Online (back to top)

Save time and money. Pay your bills online with Police FCU Online Bill Pay. Try the demo and enroll today!



Insurance Built for Credit union Members like You (back to top)


Don’t Forget GAP Plus (back to top)

Consider GAP Plus & MRC for Your Next Police FCU Auto Loan!

GAP Plus provides protection against your vehicle’s depreciation by paying the difference between your auto insurance settlement and balance of your loan. This could be a few thousand dollars! However, GAP Plus will cover the amount you will otherwise lose in depreciation. It gives peace of mind and helps protect your investment in your vehicle.

MRC Upgrade!

We have new upgrades to our Mechanical Repair Coverage (MRC) plan. These upgrades include:
• Expanded eligibility at point of sale to 12 model years old or newer, and increased mileage eligibility to 120,000
• Extended trial offer period from 30 to 60 days
• Increased rental benefit from $30 to $35
• Eliminated the $50 deductible option for all coverage levels
• Adjusted cancellation and transfer fees to $50

For more information about Mechanical Repair Coverage, contact Police FCU and ask to speak with a loan officer.


Police FCU is Proud to Support the Following Law Enforcement Community Events: (back to top)

• AORP Conference
• Calvert County Sheriffs Open House
• MD COPS Ride
• District Heights Community Days
• Law Enforcement Kickball Tournament
• HEROES Golf Tournament
• DC COPS Classic Golf Tournament
• National Night Out, District Heights
• 31st Annual Lawmen’s Classic Softball Tournament, MD Outlaws
• MPD Field Day
• Fallen MD Correctional and Police Officers Memorial Fund 1st Annual Ride
• FOP 89, 7th Annual Fallen Heroes Memorial Car, Truck & Motorcycle Show
• MD COPS 2nd Annual Golf Tournament
• FOP 1, 34th Annual Golf Tournament
• MD Chiefs and Sheriffs Law Enforcement Torch Run & Polar Bear Plunge
• MD Chiefs and Sheriffs Association Conference

If you would like your law enforcement event to be featured on our online events calendar, send us an e-mail with the details – direct e-mails to blsquires@policefcu.org.


Police FCU Assists with NOBLE and
HopeLine, Helping Domestic Violence Victims (back to top)

Seven years ago, Verizon Wireless launched the HopeLine® Law Enforcement Partnership. This partnership was formed to help our country’s public safety organizations reduce domestic violence, provide support to victims and educate the community about domestic violence.

You can help support HopeLine by donating cell phones and accessories you no longer using – drop boxes are located at both Police FCU branches.

Note: Before donating your device(s) to HopeLine, please make sure your service has been disconnected with your wireless provider. We also encourage you to erase data from the phone prior to donating.

The collection period runs through the end of November.


Police Federal Credit Union Members Save Big with the Sprint Credit Union Member Discount (back to top)

As a Police FCU member, you can save on your monthly wireless bills – plus have your activation and upgrade fees waived. Our members can save:

10% off* select personal Sprint plans   • Waived upgrade fee
15% off* select business Sprint plans   • Available to new and existing Sprint customers
• Waived activation fee on new activations    

Consider the Sprint Credit Union Member Discount one of the many perks for being a member!

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 LoveMyCreditUnion.org/Sprint
  • Visit your nearest Sprint store

Stop paying too much for your wireless services, start saving with the Sprint Credit Union Member Discount today.

*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade.Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.


Every Little Bit Counts (back to top)

Did you know that Police FCU has a coin counting machine that is FREE for members? That’s right...no need to count coins and wrap them up! Just bring them in to the MD branch, and we’ll count it up for you. Best of all, you can deposit the coins into your account while you’re there.


Keep Your Information Up to Date (back to top)

In order that we may serve you better – and help the Credit Union contact you quickly when necessary – please be sure that you keep your information with us current. Let us know as soon as possible when any of your information changes, such as your:

• Name
• Street address
• Cell, home, work phone numbers
• e-mail address

You can call us at 301-817-1200 or e-mail us using the secure form from the “Contact Us” link on our site. If you choose to send regular mail, please send it to 9100 Presidential Parkway, Upper Marlboro, MD 20772.


Police Federal Credit Union

9100 Presidential Parkway
Upper Marlboro, MD 20772
Phone: 301.817.1200

Police Federal Credit Union. Serving Your Needs. Protecting Your Future.
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