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Police FCU

In this Issue

arrow A Police FCU Consolidation Loan = Convenience at Its Best
arrow Coming February 1! Benefits Plus
arrow Annual Financial Check-Up
arrow Why Not Refi?
arrow Great Deals on Wheels – Check Out Our New Rates
arrow Isn’t it Time You Simplified Your Banking with Police FCU e-Services?
arrow Considering an IRA? You’ve Got Options!
arrow 2013 College Scholarship Awards Program
arrow The Police FCU VISA® Check Card
arrow Police Federal Credit Union Members Save Big with the Sprint Credit Union Member Discount
arrow Keeping Current is Important!
arrow Save the Date!
arrow TurboTax® Offers Easy Filing, Helpful Information & Fast Returns


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

Martin Luther King Jr. Day
Monday, January 21, 2013

President’s Day
Monday, February 18, 2013

by the numbers

As of November 30, 2012




A Police FCU Consolidation Loan = Convenience at Its Best (back to top)

Looking for a great way to simplify your finances? A Debt Consolidation Loan from Police FCU may be the perfect way to do just that – and save you money at the same time!

Simplify your debt with a Police FCU consolidation loan, you’ll make just one easy monthly payment rather than several! And with a rate of 6.99% to qualified members, up to $15,000 to borrow, and terms up to 60 months, convenience has never been so affordable!

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

Apply today and start your new year off on the right foot by making your finances much less complicated and saving some money!

*Direct deposit of $1,000 or more monthly with automatic payments required. Checks will be made payable to the creditors. Police FCU loans not eligible for refinance (unless part of a larger consolidation loan).


Coming February 1! (back to top)

You Won’t Believe
What You Get When
You Sign Up

Benefits Plus Checking is more than just a name; in fact, it’s a way Police FCU members and their families will save on the things you use everyday.

In short, this is the only checking account that can actually make your life better because of the discounts and benefits that Benefits Plus has to offer. These include:

Peace of Mind: Identity theft protection and security center monitoring.

Travel Services: Low prices and the highest quality concierge service you’ll find anywhere.

Retail Stores: You’ll get substantial savings at many of the best
stores where you already shop.

Dining and Entertainment: Savings at restaurants, movie
theaters and more.

Family Fun: Special admission prices at theme parks and other
major attractions.

Health Specials: Health care specials at some of the most trusted
names in the industry.

Online Bill Pay: No additional charge, and no minimum transactions.
Best of all, the Benefits Plus Checking account is just $4.95 per
month...which is far less than the amount you’ll save each month!

We are so sure you will love your Benefits Plus Checking, we’ll let you try it FREE – with no obligation whatsoever – for 90 days!


We are so sure you will love your Benefits Plus Checking, we’ll let you try it FREE – with no obligation whatsoever – for 90 days!

Visit www.policefcu.com and click on the benefits plus link on the
homepage for details.

Members with approved checking will automatically receive a one-time 90-Day Free Benefits Plus® Trial Offer. For members who do not opt-out of Benefits-Plus, a $4.95 monthly charge will be incurred following the 91st day (following free trial). Member checking account will be debited monthly in the amount of $4.95. Members can opt out of the Program and membership fee at any time, returning to a Basic Checking account. Basic Checking Online Bill Pay will remain free for members who have three (3) or more pays per month; less than three (3) pays per month will incur a $3.95 charge for Online Bill Pay. Member can choose not to have Online Bill Pay and incur no additional fee.



Annual Financial Check-Up
(back to top)

This year, whether you need some assistance mapping out your financial direction, or you just want to ensure you are on course, make sure you schedule your annual financial check-up with Police FCU. We will review your financial status and help guide you to where you want to be. Call today to set up an appointment – 301-817-1200.


Why Not Refi? (back to top)

Record-low Interest Rates and Help from Your
Credit Union Can Help You Save Big

So many people are content to pay their mortgage, car and other loan payments without shopping around to see if there is anything better available.

If you fall into that category, you should take a few moments to find out what Police FCU can potentially do for you! Not too long ago, interest rates were much higher. Today, however, Police FCU can offer you rates well below what they once were.

As a result, this may be the perfect time to refinance – and save big – in the form of reduced payments and lower interest rates.

Why not replace your current loan with a better one? Call us today or stop by the branch nearest you to get more information. We will help you weigh all the factors and help you decide if refinancing is best for you.




Great Deals on Wheels – Check Out Our New Rates (back to top)

Shopping for a car?
You’ve found your dream new or pre-owned vehicle at your favorite dealership, you’ve negotiated the right price, the only thing left is financing.

If you have already secured financing from Police FCU, you’ve probably locked down an interest rate that will be hard to beat! If not, you’ll want to do just that. Apply online at www.policefcu.com; stop by the Credit Union; or call us to see what options are available.

Lower your current interest rate
Of course, even if you already have a vehicle you’re financing but aren’t satisfied with your current rate, call us to find out what we have to offer. Right now is the ideal time to refinance to a lower rate!

Considering a used vehicle?
Don’t forget to check the Carfax report. Police FCU offers member pricing on Carfax reports – only $15, compared to $30 (as published on the Carfax website).

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, and comes into play if the car is stolen or totaled while you are still making payments. Be sure that you are covered! Call us today for more details and pricing.

*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. Example: On a $15,000 auto loan, at 1.74% APR for 60 months, your monthly payments = $260.97. Certain restrictions apply. Other rates and terms available. Contact Police FCU for details. Current Police FCU loans not eligible for refinance.



Isn’t it Time You Simplified Your Banking with Police FCU e-Services? (back to top)

As things get busier, isn’t it great when you find something that makes your life a little easier? That’s what more and more members of Police FCU are discovering when they bank online.

All you need is internet access from your computer or phone, and you can do your banking from virtually anywhere!
• Manage your account and check your balances
• View cleared check images and re-order new checks
• Transfer funds
• Apply for loans and make loan payments
• Get your account history

All this – plus a lot more – is just a click away, and, of course, it’s open 24/7 for the ultimate in convenience, in a safe, secure, password-protected format.

Log in today and experience for yourself!



Considering an IRA? You’ve Got Options! (back to top)

If you are ready to make the commitment to start saving for your future, an IRA is an excellent choice.

With terrific products such as traditional, Roth, SEP and even Coverdell Educational Savings, a Police FCU IRA can help you prepare for the years to come.

We’ll be more than happy to sit down with you and discuss what’s available, what you can expect, and how an IRA can benefit you, both in the short run and the long run. Visit the IRA page on our Website, to get started.


2013 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 or a trade school in 2013? Police FCU is pleased to announce the annual college scholarship opportunity that may make it easier for you to meet your tuition costs. The $11,000 Credit Union College Scholarship Program for 2013 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.

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

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.

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

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.



The Police FCU VISA® Check Card
(back to top)

It’s the Only Card You Need!

There’s nothing more convenient than a Police FCU VISA® Check Card. Use it for purchases at your favorite retailers, use it as a “paperless check,” and use it as an ATM card – all with no monthly or annual usage fees!

It saves you time, because you don’t have to write checks, you can just swipe and go. It saves you money, because you have access to over 32,000 surcharge-free ATMs across the country.

Your Police FCU VISA® Check Card is available with your Police FCU checking account which also offers:

• No minimum balance requirements
• Overdraft protection options
• Online deposit & direct deposit
• Online Bill Pay
• And more

Contact us to get your Police FCU VISA® Check Card today!


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

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.


Keeping Current is Important! (back to top)

In the event that we need to get in touch with you, it’s important that we have your most up-to-date contact information. If you have recently moved, or changed phone numbers or e-mail addresses, please let us know.


Save the Date! (back to top)

Police FCU Annual Meeting
If you’re a member of Police FCU, you are also a part-owner. Be involved!

Plan to attend the Police FCU Annual Meeting on Saturday, April 13, at FOP Lodge 89 (2905 Old Largo Road) in Upper Marlboro, MD, 9:00a.m. – 11:30a.m. – light breakfast followed by business meeting at 10:30a.m.

Please RSVP by phone at (301) 817-1200; or by e-mail to Linda Stout at lstout@policefcu.org before April 1st, 2013.


TurboTax® Offers Easy Filing, Helpful Information & Fast Returns (back to top)

It’s tax time again. Make filing your taxes a little easier with Police FCU and TurboTax.

TurboTax® is a great way to file your income taxes. If you’ve not used this service before, you’ll be pleasantly surprised at how easy it is; and the step-by-step tutorials will help you decide what to do should you have questions. Additionally, because you filed online, you’ll get your refund back faster!

To access TurboTax® online, visit www.policefcu.com and click the TurboTax® 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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