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Police FCU
           
 

In this Issue

arrow New Spring Auto Loan Rates are in FULL BLOOM at Police FCU
arrow No Haggling and No Stress
arrow Live Better for Less with Police FCU’s Benefits Plus® Checking
arrow Police FCU Checking
arrow Like Us? Share Us With Your Family!
arrow No Excuses! Join Police FCU today!
arrow Police FCU and CUMA - Partnering for a Better Home Mortgage
arrow Home Equity Rates!
arrow TruStage
arrow Police Federal Credit Union Members Save Big with the Sprint Credit Union Member Discount
arrow Police FCU - Bridging the Student Loan Gap
arrow Reminders
arrow In Honor of Police Week May 12-18
arrow Treading Water?


Locations

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

POLICE FCU
by the numbers

As of November 30, 2012

Membership......11,155
Assets.....$147,512,512
Shares....$131,151,090
Loans.......$65,083,431


   

New Spring Auto Loan Rates are in
FULL BLOOM at Police FCU (back to top)

Take a Spin...With our low springtime rates, getting that new car or lowering your current auto loan rate* has never been easier!

Take Another Spin…And Win! When you close your auto loan or refinance with Police FCU, you will get a chance to SPIN OUR PRIZE WHEEL & WIN UP TO $100 IN GAS CARDS!

Don’t miss out on these rates and your chance to win some gas money, on us.

Apply online, call or visit us today!

*APR = Annual Percentage Rate. Rates are subject to change without prior notice. Rates and terms are based on applicant(s) credit history, loan to value and year of the vehicle. Your actual rate may vary. Advertised rate reflects financing for 2006-2013 model year vehicles for up to a 72 month term, includes a 0.25% discount for Direct Deposit of $1,000, or more monthly, and automatic payments. Example: On a $20,000 auto loan, at 1.49% APR for 72 months, your monthly payments = $290.55. Certain restrictions apply. Other rates and terms available. Contact Police FCU for details. Current Police FCU loans not eligible for refinance.

 

No Haggling and No Stress (backto top)

Try Our Auto Buying Service

If you are in the market for a new set of wheels, be sure to take advantage of another membership perk -
Police FCU’s relationship with UBS (United Buying Service). Stop by the branch and browse the UBS vehicle
catalog for great deals your next purchase!

UBS has done price negotiation on new popular models to make sure you get the best pricing, and can help you with your used car as well. Take advantage of these great member extras from Police FCU and UBS:

 

• The lowest pre-negotiated prices on cars & trucks in the Washington - Baltimore region
• Free audit of your purchase
• Both new & used vehicles
• Extra savings on factory installed options
• Even more savings with rebates & incentives

Don’t forget about our low cost GAP & MRC!

Visit the credit union and check out your no hassle,
UBS member pricing today!

 
 

 

Live Better for Less with Police FCU’s Benefits Plus® Checking
(back to top)

Benefits Plus® Checking gives you all the features of a Police FCU personal checking account along with real savings for you and your family on products and services you already 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.

Police FCU Benefits Plus® Checking includes:

 
     
 

  • Complimentary Identity Theft Protection Program - Protect your identity and secure your personal information.
  • Cash Back Rewards - Earn up to 33% CASH BACK when shopping at over 450 online retailers.
  • Dining & Entertainment Discounts - Save on restaurants, movie tickets, theme parks, and more!
  • Travel Services - Experience discounts and rebates on airfare, hotels, car rentals, cruises and other travel services. Best of all, you can talk to a live representative to arrange your travel plans and still enjoy discounts.
  • Complimentary Grocery Coupon Club Membership - Save on groceries and receive special offers from wholesale clubs.
  • 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.
  • FREE Online Bill Pay: 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!

Simply call 1.866.329.7587 or register through the website at www.policefcu.com - click the Benefits Plus banner.

 
     
 

Police FCU Checking (back to top)

No Hassles, No Problem!

If you didn’t already know, Police FCU offers a no hassle checking account with valuable features and unrivaled benefits. Take the time to explore all that your Police FCU checking account has to offer. You may be missing out on benefits and services that will allow you more freedom and time to do the things you want.

Account Features:

• No Minimum Balance
• No Per Check Charges
• FREE Online Banking
• FREE Online Bill Pay*

  • Direct Deposit
• Overdraft protection options
• Reorder checks online
• and more!

 

Police FCU Visa® Check Card – The card for those behind the badge, and their families. Save time by using the card instead of writing checks. Save money by avoiding ATM surcharges – members have access to more than 32,000 surcharge-free ATMsacross the country. These ATMs can be found at the credit unions, retail locations, including 5,500 7-Eleven stores, as well as Costco, Walgreens, Wawa and other outlets. Locate surcharge-free ATMs or a shared branch at your destination by visiting our website and clicking the ATM/Branch locator link.

ez Check Deposit – Allows you to easily and securely deposit a check from anywhere you have a computer, Internet access and a scanner. Try it today!

To start your Police FCU checking account or get a Police FCU Visa® Check Card, contact a Police FCU representative. We’re here to help you take full advantage of your credit union membership.

*Online Bill Pay is free with Benefits Plus checking or when paying a 3+ bills per month, otherwise it is $3.95 per month.

 
     
 

Like Us? Share Us With Your Family! (back to top)

Police FCU has something for everyone, and we are dedicated to helping our members and their families at every phase of their financial life, that’s why membership is open to you and your family!

Share and come grow with us! Whether you or your family members need a convenient checking account, a first time auto loan, or a sound “home” for your savings, Police FCU is your best choice! If you or your family members have yet to take advantage of the benefits offered by Police FCU membership, there really is no excuse not to join and plenty of reasons why you should!

 
     
 

Isn’t it Time? (back to top)

I already have my Direct Deposit and Bill Pay somewhere else. You are not locked in, committed, or otherwise obligated to any financial institution. Bank with someone you trust. We can help you make the switch. You can start slow. We understand that you may have direct deposit, online bill payment, and some checks floating around, we can help you smoothly and systematically transition your relationship.

Credit Unions are not convenient. We offer access to over 32,000 surcharge-free ATMs and over 5,050 shared branches, nationwide! Plus, we also offer direct deposit and online ez Check Deposit services.

Cost to switch to a CU? There is no, “cost” to join Police FCU; however, there is a minimum balance of only $5, that is required, which represents your share in the CU. And unlike banks, which try to maximize profits for their shareholders, your credit union is a not-for-profit financial institution. This in turn allows us to offer lower loan rates and higher dividends, plus, first-class friendly service with no hidden fees or nasty surprises. Compare and see!

Switching to Police FCU is not a hassle. If you cannot make it in to one of our branches, you can submit your application via the mail, or in some cases, we can come to you! Call for details.

If you are law enforcement – recruit, active, or retired, in the Greater Metropolitan Washington Area*, or if you are immediate family of a Police FCU member, this is your Credit Union!

Police FCU is police helping police.
Join the family today!

To learn more about the unbeatable benefits we provide and why it pays to join, visit one of our locations, call 301-817-1200 or 877-ARU-PFCU (278-7328) toll-free, or visit to www.policefcu.com.

*Please check www.policefcu.com for current list of eligible departments, agencies and geographic areas.

 

 
     
 

Police FCU and CUMA - Partnering for a Better Home Mortgage (back to top)

In the market for a new home, Police FCU, in a longstanding partnership with The Credit Union Mortgage Association (CUMA) can help you on your quest!

CUMA is a full-service mortgage company, locally owned and headquartered in Virginia, that serves the entire United States. Finding a mortgage is easy with Police FCU and CUMA. Experience the “Credit Union Mortgage Advantage” with reduced paperwork and hassle-free online mortgage applications. It’s really that simple: just a few questions and an online decision in minutes.

CUMA offers members:

  • The lowest lender fees in the area
  • Competitive rates
  • A wide selection of loan products
  • Convenience
  • Unparalleled member service
  • Seminars for home buyers

And more CUMA Member Benefits

A. Personal commitment from Police FCU and Credit Union Mortgage. Our senior personnel have been trained to provide you with the most reliable and efficient service possible. Our loan officers will work with you to find the loan program best suited to your needs.

B. Stability of your credit union and Credit Union Mortgage. For almost thirty years, Police FCU and Credit Union Mortgage have been providing mortgage financing. No matter what interest rate the market dictates, Police FCU and Credit Union Mortgage will be there for you.

C. Credit Union Mortgage is your mortgage company. Just as Police FCU belongs to its members, as does its mortgage partner, Credit Union Mortgage. By utilizing our services, you’ll receive the best in personalized service while benefiting both your credit union and yourself. No other mortgage company can make that claim.


 
     
 

Home Equity Loans (back to top)

Already have a home but want to do some improvements? We can help with that too! We offer Home Equity Loans as low as 3.99% APR* Applying is quick and easy, online at www.policefcu.com or call301.817.1200 and speak with a loan officer.

*APR = Annual Percentage Rate. Rates are subject to change without notice and are based on creditworthiness and equity available. Advertised rate reflects 20% equity on a 60-month term. Example: On a $20,000 loan, at 3.99% APR for 60 months, your monthly payments = $368.25. Ask for details about how we can save you money on closing costs.

 

 
     
 

Trustage (back to top)

 
     
 

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.

 
     
 

 

Police FCU - Bridging the Student Loan Gap
(back to top)

It’s never too early to plan for your child’s education, and when it comes to finances, Police FCU can help! The Police FCU Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.

The Smart Option Student Loan features and benefits:

• Competitive Interest Rates
• Borrow up to 100% of school certified education costs (minimum $1,000)
• Multiple in-school repayment options available
• Borrower benefits available
• 24/7 online account management
• Rates that reward creditworthy borrowers
• Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
• No prepayment penalty

Quick and easy, our fast online application only take about 20 minutes. Click on the student loan banner on our website to get started today!

 
     
 

Reminders (back to top)

Spring cleaning? Got Coins? Bring them to our MD branch, get them counted for FREE, and deposit the funds into your account!

Keep your information current. To avoid challenges in contacting you, please don’t forget to let us know if you have updated your personal contact information – name, address, email, or phone number.

 
     
 

In Honor of Police Week May 12-18 (back to top)

Police FCU supports our men and women of law enforcement. We want to take time and acknowledge your commitment to your community and thank you for your service and sacrifice.

 
     
 

Treading Water? (back to top)

 

 

 
     
 



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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