The Police Credit Union Rates

Dividend Rate	APY	Min. to Open	Min. to Earn APY	Term
0.05%	0.050%	$25	$25	Open-Ended

Current Fee Schedule

Rates/yields may change after you open your account. Fees could reduce earnings on the account. Above anticipated rates are subject to availability of funds. Dividends are calculated on the Daily Balance and paid monthly. Terms and conditions apply, see About Your Accounts.

Dividend Rate	APY	Minimum Deposit and Balance	Term
NONE	None	$25	Open-Ended

Current Fee Schedule

Rates/yields may change after you open your account. Fees could reduce earnings on the account. Above anticipated rates are subject to availability of funds. Dividends are calculated on the Daily Balance and paid monthly. Terms and conditions apply, see About Your Accounts.

Dividend Rate	APY	Minimum Deposit and Balance	Term
NONE	None	$25	Open-Ended

Current Fee Schedule

Rates/yields may change after you open your account. Fees could reduce earnings on the account. Above anticipated rates are subject to availability of funds. Dividends are calculated on the Daily Balance and paid monthly. Terms and conditions apply, see About Your Accounts.

Current Fee Schedule

Certificates are available for the range of days stated above. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. Penalty will be or may be imposed for early withdrawal. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

¹APY (Annual Percentage Yield) effective as of 9/29/2026 for a special 9-month regular Certifi cate. Membership required. Not available for corporate accounts. This promotional rate off er is available for 9 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in eff ect for a 12-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

²APY (Annual Percentage Yield) effective as of 9/29/2026 for a special 18-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 18 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

Certificate Terms and Conditions: Accounts are available for the range of days stated above. The APY assumes that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For 24-36 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

Balance	Dividend Rate	APY	Term
$2,500 - $14.999.99	0.05%	0.050%	Open-Ended
$15,000 - $49,999.99	0.55%	0.552%	Open-Ended
$50,000 - $99,999.99	1.00%	1.005%	Open-Ended
$100,000 - $149,999.99	1.25%	1.258%	Open-Ended
$150,000 - $249,999.99	1.49%	1.501%	Open-Ended
$250,000+	1.74%	1.755%	Open-Ended

Current Fee Schedule

GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts for more information.

Balance	Dividend Rate	APY	Term
$2,500 - $14.999.99	0.75%+	0.753%+	Open-Ended
$15,000 - $49,999.99	1.98%+	2.000%+	Open-Ended
$50,000 - $99,999.99	2.43%+	2.460%+	Open-Ended
$100,000 - $149,999.99	3.20%+	3.250%+	Open-Ended
$150,000 - $249,999.99	3.25%+	3.303%+	Open-Ended
$250,000+	3.44%+	3.500%+	Open-Ended

Current Fee Schedule

+APY = Annual Percentage Yield. Smart Advantage Money Market: To qualify for the higher Rate, you must have a current checking account, be enrolled in E-statements at The Police CU and meet the following requirements each month: Make 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the current calendar month to your account using your Visa® Debit Card. Have $500 a month in qualifying direct deposits deposited to your checking account during the current calendar month. A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. Starting with the calendar month following when you open your Smart Advantage Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined at the end of the month based upon the number of qualifying transactions or direct deposit requirement for that month's activities and the dividend is paid at that time. If there are changes to your checking account (it is closed, changed to a new account type or no longer: 1) receives qualified direct deposit or 2) enrolled in E-statements, the rate will change to those in effect at the time of the change.

Dividend Rate	APY	Min. to Open	Min. to Earn APY	Term
0.05%	0.05%	$25	$25	Open-Ended

Current Fee Schedule

Balance	Dividend Rate	APY	Term
$0 - $4,999.99	0.05%	0.05%	Open-Ended
$5,000 - $14,999.99	0.05%	0.05%	Open-Ended
$15,000 - $49,999.99	0.50%	0.501%	Open-Ended
$50,000 and over	1.00%	1.005%	Open-Ended

Current Fee Schedule

GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts for more information.

Dividend Rate	APY	Min. to Open	Min. to Earn APY	Term
0.05%	0.05%	$25	$25	Open-Ended

Current Fee Schedule

GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $25. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts  for more information.

Current Fee Schedule

Individual Retirement Accounts are available for the range of days stated above. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Term	LTV <=75% APR As Low As*	LTV > 75% APR As Low As*
1-36 months	4.74%	4.99%
37-60 months	4.84%	5.09%
61-72 months	5.09%	5.34%
73-84 months	5.49% $25k and over	5.74% $25k and over

NEW AUTO: 2026 or 2025 with 7,500 miles or less. 73-84 month term is only available for loans $25K and over.

*Important Notes: APR = Annual Percentage Rate. Example new auto rate of 4.74% APR with 36 monthly payments = $29.85 per $1,000 borrowed, loan to value <=75%. +73-84 month New and Used Auto loan requires a minimum loan amount of $25,000. Rates quoted above assume excellent borrower history. Out-of-state vehicles may be acceptable on franchise dealer transactions only. Rates, terms and conditions are subject to change without notice. Maximum vehicle mileage = 175,000. New auto is defined as 2026 or 2025 with 7,500 miles or less.

Term	LTV <=75% APR As Low As**	LTV > 75% APR As Low As**
1-36 months	4.79%	5.04%
37-60 months	4.99%	5.24%
61-72 months	5.24%	5.49%
73-84 months	5.79% $25k and over	6.04% $25k and over

USED AUTO: 2017 to 2025. 73-84 month loan term is only available for loans $25k & over.

**Important Notes: APR = Annual Percentage Rate. Example used auto rate of 4.79% APR with 36 monthly payments = $29.88 per $1,000 borrowed, loan to value <=75%. +73-84 month New and Used Auto loan requires a minimum loan amount of $25,000. Rates quoted above assume excellent borrower history. Out-of-state vehicles may be acceptable on franchise dealer transactions only. Rates, terms and conditions are subject to change without notice. Maximum vehicle mileage = 175,000. Used vehicle is defined as 2017 thru 2025.

.

Term	APR As Low As*
1-36 Month	7.39%
37-60 months	7.69%
61-72 Months	8.19%

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book.

Loan	Terms & Conditions	Term	APR As Low As*
First-Time Auto Buyer Loan	Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.	1-36 Months	7.64%
First Time Auto Buyer Loan		37-60 Months	7.94%

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Loan	Terms & Conditions	Term	APR As Low As*
New Motorcycles	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	1-36 months	7.14%
	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	37-60 months	7.64%
Used Motorcycles	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	1-36 Months	7.69%
	Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.	37-60 Months	8.19%

*APR = Annual Percentage Rate. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Loan	Terms & Conditions	Term	APR As Low As*
New Boat/ Trailer	110% of purchase price.	1-60 months	7.59%
	110% of purchase price.	61-72 months	7.89%
	110% of purchase price.	73-84 months	8.14%
	110% of purchase price.	85-120 months	8.64%+ $35k & over
	110% of purchase price.	121-180 months	8.89%1 $50k & over
Used Boat/ Trailer	100% of appraised value on private party, dealer transactions or refinance.	1-60 months	7.64%
	100% of appraised value on private party, dealer transactions or refinance.	61-72 months	8.14%
	100% of appraised value on private party, dealer transactions or refinance.	73-84 Months	8.39%
	100% of appraised value on private party, dealer transactions or refinance.	85-120 months	8.89%+ $35k & over
	100% of appraised value on private party, dealer transactions or refinance.	121-180 months	9.14%1 $50k & over
New Motor Homes/ RVs	110% of purchase price.	1-60 months	7.64%
	110% of purchase price.	61-72 months	7.89%
	110% of purchase price.	73-84 months	8.04%
	110% of purchase price.	85-120 months	8.29%+ $35k & over
	110% of purchase price.	121-180 months	9.04%1 $50k & over
Used Motor Homes/ RVs	100% of appraised value on private party, dealer transactions or refinance.	1-60 months	7.89%
	100% of appraised value on private party, dealer transactions or refinance.	61-72 months	8.14%
	100% of appraised value on private party, dealer transactions or refinance.	73-84 Months	8.29%
	100% of appraised value on private party, dealer transactions or refinance.	85-120 months	8.54%+ $35k & over
	100% of appraised value on private party, dealer transactions or refinance.	121-180 months	9.54%1 $50k & over
New Travel Trailer/Jet Ski	110% of purchase price.	1-60 months	7.64%
	110% of purchase price.	61-72 months	7.89%
	110% of purchase price.	73-84 Months	8.14%
	110% of purchase price.	85-120 months	8.39%+ $35k & over
Used Travel Trailer/Jet Ski	100% of appraised value on private party, dealer transactions or refinance.	1-60 months	7.89%
	100% of appraised value on private party, dealer transactions or refinance.	61-72 months	8.14%
	100% of appraised value on private party, dealer transactions or refinance.	73-84 months	8.39%
	100% of appraised value on private party, dealer transactions or refinance.	85-120 months	8.64%+ $35k & over

⁺ Minimum Loan of $35,000 or higher.

¹ Minimum Loan of $50,000 or higher

*APR = Annual Percentage Rate. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. Apply for an The Police Credit Union Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches. For recreational purposes only, not to be used for financing of a primary residence. Important Note - Recreational Vehicle Loans, for recreational purposes only and may not be used to finance a primary residence.- NEW BOAT/TRAILER: 110% of purchase price. USED BOAT/TRAILER: 100% of appraised value on private party, dealer transactions or refinance. NEW MOTOR HOMES/RVS: 110% of purchase price. USED MOTOR HOMES/RVS: 100% of appraised value on private party, dealer transactions or refinance. NEW TRAVEL TRAILER/JET SKI: 110% of purchase price. USED TRAVEL TRAILER/JET SKI: 100% of appraised value on private party, dealer transactions or refinance. Contact us for more details.

Loan	Loan Maximum	Term	APR As Low As*
Personal Loan++	$50,000**	1-36 months	9.34%
	$50,000**	37-60 months	9.84%
	$50,000**	61-72 months	10.54% $15k & over

*APR = Annual Percentage Rate. Example rate of 9.34% with 36 monthly payments = $31.96 per $1,000 borrowed. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rate. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

**$50,000 loan maximum assumes excellent borrower history. Not all members will qualify.

++Maximum aggregate signature loan balances cannot exceed $50,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

Loan	Loan Maximum	APR As Low As*
Overdraft Protection	$2,000	12.99%

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Loan	APR As Low As*
Savings Secured and Certificate Secured Loans	Use your Savings or Certificate to secure a low-cost loan. The interest rate is just 3.25% above your Savings or Certificate rate. Savings Secured Loans are available for a maximum term of 60 months.

*APR = Annual Percentage Rate. Interest rate is 3.25% above your Savings or Certificate rate and available for a maximum term of 60 months. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Loan	APR As Low As*
12-60 months+	7.24%
61-120 months	7.74%
121-180 months	7.74%
181-240 months	8.24%

Maximum loan amount $75,000, $125 loan processing fee.
*APR=Annual Percentage Rate. Example rate of 7.24% APR with 120 monthly payments = $117.35 per $10,000 borrowed. Rates quoted assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made. A $125 processing fee to be collected with application. All loans secured by a UCC-1 financing statement. Selected contractors must be licensed and approved prior to loan approval. Rates, terms and conditions subject to change. Additional terms and conditions apply.

Loan	APR As Low As*
1-24 months	3.24%
25-36 months	3.74%
37-48 months	4.24%

*APR = Annual Percentage Rate. Loan amounts up to $5,000 for a one-time any use. Loan amounts $5,001- $7,500 must be used for qualified professional use including work equipment, uniforms, supplies, firearms, K-9 accessories, First Responder/Law Enforcement approved education course (up to 1 year and certification training courses).

Term	APR As Low As*
1-84 months	8.24% (amounts up to $20,000)
85-120 months	8.49% (amounts $20,001-$35,000)
121-180 months	9.24% (amounts $35,001 and over)

Minimum loan amounts $2,500/Maximum loan amounts $75,000.
*APR= Annual Percentage Rate. Example rate of 8.24% with 84 monthly payments = $15.71 per $1,000 borrowed. Max loan amounts and rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rate. Loan is for home improvement purposes only. Payoff of existing home improvement debt possible providing evidence it was for eligible home improvement purposes completed within the previous 6 months. Same bid/materials list requirement for refinances. Loan is not a real estate secured loan. Rates, terms and conditions are subject to change without notice. Borrowers must be U.S. Citizen or Permanent Resident with a valid Permanent Resident Card with 10-year renewal. Home Improvement Loan product is limited to one per membership/household. For complete details visit www.thepolicecu.org/personal-loans/home-improvement-loan