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Police FCU

In this Issue

arrow Don't Miss Your Chance to Win!
arrow Great Deals Keep Coming!
arrow Go Green and Save Green with Police FCU e-Statements
arrow Membership to Police FCU ... the Gift that Keeps on Giving!
arrow Holiday Loan Specials
arrow Got Scholarships? We Do
arrow There is Still Time to Donate Your Old Phones and Accessories
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


Don't Miss Your
Chance to Win!

Make Sure You Get Your December Entries In!

One month is already in the books...but as we reach the halfway mark in our Holiday Cash promotion, we want to remind you that you still have December — so make your entries count!

December 31 will mark the end of the contest, but until then, every time you make purchases using your Police FCU VISA® Check Card, you increase your chances to win up to $1,000!

We will have 4 lucky winners! Will you be one of them?

*Police FCU will pay up to $1,000, minimum reward $100. Card usage must be point of sales transaction.

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 Keep Coming!

Because of an amazing response from our members, our Auto Loan Special has been Extended!

When it came to getting the word out on the streets about our super low auto loan rates, we knew our informant would get the job done. He has been busy! And due to an overwhelming positive response, we've extended this special offer until the end of 2012!

So if your current vehicle might not make it through the winter, let alone to the end of the year, now is the time to take advantage of some serious savings (Or tell a friend; they will thank you!).

Rates as low as 1.24%APR* on your new, used, and refinanced vehicles!

So what are you waiting for? The best deals on your next set of wheels are going down at Police FCU. Scratch and win today!

*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.


Go Green and Save Green with Police FCU e-Statements

In our continuing efforts to deliver member's account information in the quickest, most efficient manner, be more eco-responsible, and save you money, Police FCU offers members the option to receive e-Statements. While helping to reduce paper consumption, you will also save $1 per month!*

Beginning with your January 2013 account statement, each paper statement delivery will incur a $1.00 fee.

If you are not taking advantage of the convenience and security that electronic statements provide, try it and you'll be surprised.

You'll receive an e-mail notice when your monthly or quarterly statement is ready, and you'll be able to access your statement through our secure online banking service. Other than the fact that it's electronic, there is no other difference between a paper and online statement — and you'll receive it faster because you don't have to wait for it in the mail!

You will be able to view archived statements going back 24 months — all of which you can save or print anytime you wish.

If you're not already a Police FCU Online Banking user, call us at (301) 817-1200, or stop by a branch to request activation of your account and a temporary password. For those who are already online banking users, registering for e-Statements is easy.

Simply log into your account, click the Access
e-Statments button and follow the short registration prompts.

Going green has never been easier!

*Fee charged per statement produced.



Membership to Police FCU ... the Gift that Keeps on Giving! (back to top)


Still trying to find that perfect gift for your family members? The holidays are the perfect time to give a family member* a thoughtful gift that they can use, and truly benefit from throughout their entire lives — membership in Police FCU.

Just like you, they will benefit from the many financial advantages of belonging: Friendly, personal service, higher yields on savings and investments, lower rates on home, auto, personal loans, and credit cards, all of the convenient services, e-Services, nationwide shared branch & surcharge-free ATM network, and much more!

And, you can even give them something to get them started on their way — a customized Holiday Gift Check to deposit.


The Police FCU Holiday Gift Check is an easy and convenient gift that is sure to please. 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!

Give the gift of value this holiday season — give Police FCU membership. Visit www.policefcu.com for more details today!



*Immediate family = spouse, children, parents, siblings, grandparents, grandchildren.


Holiday Loan Specials (back to top)

Still need some money for the holidays? It's not too late — Police FCU can help!

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 will allow you to skip your December loan 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

Don't delay, apply today!

*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.



Got Scholarships? We Do (back to top)

Enter the Credit Union Scholarship Contest

Paying for college tuition can be a daunting task for students of all ages. That's why Police FCU is taking part in the $11,000 Credit Union College Scholarship Program.

Police FCU members who are entering their freshman through senior years are eligible to win one of 10 $1,000 essay-based scholarships or one $1,000 video-based scholarship.

The essay or video topic is: How can your credit union help you become financially literate? Deadline for application is March 31, and the awards will be disbursed in May.

For full details, please visit our website. We're pleased to offer this opportunity to our young members, as awardees can receive needed financial assistance to help meet tuition expenses. In addition, the essay and video topics will help us to better serve our college-age members in the future.

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



There is Still Time to Donate Your Old Phones and Accessories (back to top)

Due to hurricane Sandy, the deadline for collecting cell phones and accessories for the Hopeline project has been extended until December 31.



Shared Branch Access Means Nationwide Convenience (back to top)

Download the branch locator app for your iPhone® or Android® and quickly and
easily locate a shared branch near you. Link available at www.policefcu.com




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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