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Police FCU

In this Issue

arrow Holiday Cash is Here!
arrow Great Deals... Great Wheels
arrow Police FCU Makes Gifting Easy
arrow Ho-Ho-Holiday Loan Specials
arrow Attention, Students: Get Money for School
arrow Where Your Spare Cell Phone Brings Comfort to Others
arrow Enterprise Car Sale!
arrow Shared Branch Access Means Nationwide Convenience


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

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


Holiday Cash is Here!

Use Your Police FCU VISA® Check Card and Your Holiday Shopping Could Be On Us!

When you use your Police FCU VISA® Check Card to make purchases this holiday season, you could be one of four lucky members who will have up to $1,000* of your purchases paid by the credit union!

Wherever your holiday season shopping takes you, be sure to bring along your Police FCU Visa® Check Card. From making gift and decoration purchases, to food, gasoline, and everything in between, for every five point of sale transactions you make using your VISA® check card, you'll be automatically entered
for a chance to win up to $1,000. So, being generous could get you what you really want this year.

Remember, the more times you use your VISA® Check Card, the more entries you'll earn.

*Police FCU will pay up to $1,000, minimum reward $100. Card usage must be point of sales transaction. We encourage our members to spend 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, grandchildren, 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.



Great Deals...

November is your final month to scratch and save
as much as 2% on a Police FCU auto loan. Our
discount scratch cards allow you to reduce your
already low rate, and the end result could be as
low as 1.24% APR*. If that isn't enough, you will
make no payment for a full 90 days!

Great Wheels...

Don't forget to visit our website and click the auto promotion link for a list of dealers offering Police FCU members preferred pricing on their great selection, and while you're there, apply online to lock in your rate!

If you're in the market for a great pre-owned vehicle, it is only natural to wonder whether the car you purchase isn't "someone else's problem."

That's why we want to remind you of these important words: Don't Forget the CARFAX!

Police FCU members can get the detailed CARFAX report for the low price of just $15. That's 50% off their regular published price. Contact us 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.


Police FCU Makes Gifting Easy

Gift Checks are a present the receiver is sure to love – send a customized, holiday gift check to a loved one, easily through Police FCU Online Bill Pay. Quick and convenient, gift checks purchased through Police FCU Online Bill Pay are perfect to ensure your recipient gets exactly what he or she wants!

Simply log into Online Banking via our website and access your Online Bill Pay. Click on "payments," then, "single payment." You will then see the options that allow you to enter the recipient, gift amount, select a design for the occasion, and create a personal message!

Gift Check fee applies.


Ho-Ho-Holiday Loan Specials (back to top)


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

Special Holiday Quick Draw Loan
provides the opportunity to get up to $750* and an extended repayment period of five months – to make sure you have all the funds you need for a happy holiday season!

Holiday Skip-A-Pay
With three months of on-time payment history, Police FCU will let you skip your November or December payment** – so you can have some extra holiday cash in your pocket.

Special Holiday Loan
• Rates as low as 8.74% APR
• Up to 18-month terms
• Up to $3,000

*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.
**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.
APR = Annual Percentage Rate. Rates are subject to change without prior notice and are based on borrowers' credit score. Certain restrictions apply. Other programs available. Payment example: for this special repayment would be $178.40 per month.



Attention, Students: Get Money for School (back to top)

Enter the Credit Union Scholarship Contest

The annual Credit Union College Scholarship Program is now underway! Open to our college bound Freshmen through senior year members, the $11,000 Credit Union College Scholarship Program for 2013 can help make it easier for you to meet tuition costs. Eligible members can apply for one of ten $1,000 essay-based scholarships, and one $1,000 videobased scholarship.

This year's essay and video topic is: How can your credit union help you become financially literate?

Applications and complete details can be found by visiting http://cufound.org/scholarship.htm

We are happy to bring this opportunity to our young members, who would greatly benefit from the financial assistance they would win through their hard work and great skill. Additionally, their essays and video topics are sure to provoke innovative and thoughtful responses that could very well help members of all ages in the future.

The deadline for applications is March 31, 2013, and the awards will be presented in May 2013.

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



Where Your Spare Cell Phone Brings Comfort to Others (back to top)

Once again, Police FCU has partnered with NOBLE to be a drop-off site for HopeLine through the end of November.

If you have a cell phone or other accessory you're no longer using, please consider donating them to the HopeLine program. (Before donating, please be sure your service has been disconnected with your wireless provider, and erase all data.)





Shared Branch Access Means Nationwide Convenience (back to top)

During the upcoming holiday season, there are times when our members travel to other parts of the state – and often, even other parts of the country.

If you are unable to make it to one of the Police FCU branches, you still have nearly 5,000 shared branches nationwide that can help you conduct your account transactions.

You need only look for the "swirl."

To quickly locate a shared branch near you, download the branch locator application for your iPhone® or Android® from our website – click the, 'ATM & Branch Locator' link.




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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