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The Police Credit Union

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The Police Credit Union Rates & Review November 2026

Q: What are the current interest rates at The Police Credit Union?

Current rates for The Police Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.75%, 24-Month CD: 3.30%, 60-Month CD: 3.56%, Savings: 1.00%, MMA: 3.65%

Q: What CD terms does The Police Credit Union offer?

The Police Credit Union CD rates are 3.303% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.303% APY for a 2 year CD, 3.355% APY for a 3 year CD, 3.355% APY for a 4 year CD and 3.562% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with The Police Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

The Police Credit Union's 60 month 5 Year CD rates are at 3.56%, 36 month 3 Year CD rates are at 3.35%, 48 month 4 Year CD rates are at 3.35%, 12 month 1 Year CD rates are at 3.30%, 24 month 2 Year CD rates are at 3.30%. The Police Credit Union's savings rates are at 1.00%. The Police Credit Union's money market rates are at 3.65%. The Police Credit Union's checking rates are as high as 0.05%. The Police Credit Union's Personal Loan Rates are as low as 9.34%. The Police Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of The Police Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.54%. Rates last updated and verified on 10/29/2026.

The Police Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Police Credit Union? Share your experience about The Police Credit Union by leaving a review below, or read customer reviews before you decide to use The Police Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.54%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

The Police Credit Union
THE POLICE CREDIT UNION

1250 Grundy Ln
SAN Bruno, CA 94066

https://www.thepolicecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

The Police Credit Union CD Rates

Product	Rate	APY	Term
Special 18 Month Certificate	3.68%	3.748%	18 months
Min Deposit $500 Details Promotional rate offer available for 18 months; APY effective as of 10/27/2026 for a special 18-month regular Certificate; Membership required; not available for corporate accounts; minimum opening deposit of $500 required for promotional APY; balance must be maintained to maturity; rolls into a 12-month Certificate at maturity Last Updated 10/29/2026 Rate History 2 changes since Sep 21, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 29, 20263.75%▲ from 3.55% Oct 9, 20263.55%▲ from 3.25% Sep 21, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Special 9 Month Certificate	3.68%	3.748%	9 months
Min Deposit $500 Details Promotional rate offer available for 9 months; APY effective as of 10/27/2026 for a special 9-month regular Certificate; Membership required; not available for corporate accounts; minimum opening deposit of $500 required for promotional APY; balance must be maintained to maturity; rolls into a 12-month Certificate at maturity Last Updated 10/29/2026 Rate History 2 changes since Sep 21, 2026 · 3.41% → 3.75% ▲ 0.34 pts · high 3.75% / low 3.41% Oct 29, 20263.75%▲ from 3.50% Oct 9, 20263.50%▲ from 3.41% Sep 21, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 month 5 Year Certificate	3.50%	3.562%	60 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.36% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.36% Oct 29, 20263.56%▲ from 3.50% Oct 9, 20263.50%▲ from 3.36% Sep 14, 20263.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 month IRA 5 Year Certificate	3.50%	3.562%	60 Months
Min Deposit $500 Details Account: 5 Year Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.36% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.36% Oct 29, 20263.56%▲ from 3.50% Oct 9, 20263.50%▲ from 3.36% Sep 14, 20263.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 month 3 Year Certificate	3.30%	3.355%	36 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.10 pts · high 3.36% / low 3.25% Oct 29, 20263.36%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 month 4 Year Certificate	3.30%	3.355%	48 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 month IRA 3 Year Certificate	3.30%	3.355%	36 Months
Min Deposit $500 Details Account: 3 Year Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.36% ▲ 0.10 pts · high 3.36% / low 3.25% Oct 29, 20263.36%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 month IRA 4 Year Certificate	3.30%	3.355%	48 Months
Min Deposit $500 Details Account: 4 Year Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.36% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 month 1 Year Certificate	3.25%	3.303%	12 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00% Oct 29, 20263.30%▲ from 3.15% Oct 9, 20263.15%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 month 2 Year Certificate	3.25%	3.303%	24 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 29, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 month IRA 1 Year Certificate	3.25%	3.303%	12 Months
Min Deposit $500 Details Account: 1 Year Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00% Oct 29, 20263.30%▲ from 3.15% Oct 9, 20263.15%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 month IRA 2 Year Certificate	3.25%	3.303%	24 Months
Min Deposit $500 Details Account: 2 Year Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 29, 20263.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Certificate	3.05%	3.097%	6 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.09 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month Certificate	1.79%	1.806%	3 Months
Min Deposit $500 Details Rates effective October 27, 2026; Membership required for certificates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.81% ▲ 0.31 pts · high 1.81% / low 1.50% Oct 9, 20261.81%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union Savings Rates

Product	Rate	APY
Savings Account	1.00%	1.005%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Savings Account	0.50%	0.501%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
IRA Savings+	0.05%	0.05%
Min Deposit $100 Details Term: Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Savings Accounts	0.05%	0.05%
Min Deposit $25 Min Balance $25 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union Money Market Rates

Product	Rate	APY
Smart Advantage Money Market	3.59%	3.655%
Min Balance $250,000 Details Qualifications Required; Balance: $250,000 and over; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.50% Oct 9, 20263.66%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Advantage Money Market	3.40%	3.458%
Min Balance $150,000 Details Qualifications Required; Balance: $150,000 - $249,999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.46% ▲ 0.16 pts · high 3.46% / low 3.30% Oct 9, 20263.46%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Advantage Money Market	3.35%	3.407%
Min Balance $100,000 Details Qualifications Required; Balance: $100,000 - $149,999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.41% ▲ 0.16 pts · high 3.41% / low 3.25% Oct 9, 20263.41%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Advantage Money Market	2.57%	2.603%
Min Balance $50,000 Details Qualifications Required; Balance: $50,000 - $99,999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.46% → 2.60% ▲ 0.14 pts · high 2.60% / low 2.46% Oct 9, 20262.60%▲ from 2.46% Sep 14, 20262.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Advantage Money Market	1.98%	2.00%
Min Balance $15,000 Details Qualifications Required; Balance: $15,000 - $49,999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Wealth Builder Account	1.88%	1.898%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.76% → 1.90% ▲ 0.14 pts · high 1.90% / low 1.76% Oct 9, 20261.90%▲ from 1.76% Sep 14, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Wealth Builder Account	1.64%	1.653%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.65% ▲ 0.15 pts · high 1.65% / low 1.50% Oct 9, 20261.65%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Wealth Builder Account	1.25%	1.258%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Wealth Builder Account	1.09%	1.096%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.01% → 1.10% ▲ 0.09 pts · high 1.10% / low 1.01% Oct 9, 20261.10%▲ from 1.01% Sep 14, 20261.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Wealth Builder Account	-	0.803%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.55% → 0.80% ▲ 0.25 pts · high 0.80% / low 0.55% Oct 9, 20260.80%▲ from 0.55% Sep 14, 20260.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Smart Advantage Money Market	0.80%	0.803%
Min Balance $2,500 Details Qualifications Required; Balance: $2,500 - $14.999.99; Requires current checking account, E-statements enrollment, 5 or more Visa Debit point-of-sale transactions per month, and $500 monthly qualifying direct deposits Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.80% ▲ 0.05 pts · high 0.80% / low 0.75% Oct 9, 20260.80%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Money Market Wealth Builder Account	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $14.999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.05%	0.05%
Min Deposit $25 Min Balance $25 Details Dividends are calculated on the Daily Balance and paid monthly. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.74%	1-36 months
Details As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	4.79%	1-36 months
Details As Low As; LTV <=75%; Used auto 2017 to 2025 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	4.84%	37-60 months
Details As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	4.99%	1-36 months
Details As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	4.99%	37-60 months
Details As Low As; LTV <=75%; Used auto 2017 to 2025 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	5.04%	1-36 months
Details As Low As; LTV >75%; Used auto 2017 to 2025 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.04% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	5.09%	37-60 months
Details As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	5.09%	61-72 months
Details As Low As; LTV <=75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	5.24%	37-60 months
Details As Low As; LTV >75%; Used auto 2017 to 2025 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	5.24%	61-72 months
Details As Low As; LTV <=75%; Used auto 2017 to 2025 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	5.34%	61-72 months
Details As Low As; LTV > 75%; NEW AUTO: 2026 or 2025 with 7,500 miles or less Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.34% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	5.49%	73-84 months
Details As Low As; LTV <=75%; $25k and over; NEW AUTO: 2026 or 2025 with 7,500 miles or less; 73-84 month term only available for loans $25K and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	5.49%	61-72 months
Details As Low As; LTV >75%; Used auto 2017 to 2025 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Auto Loan	-	-	5.74%	73-84 months
Details As Low As; LTV > 75%; $25k and over; NEW AUTO: 2026 or 2025 with 7,500 miles or less; 73-84 month term only available for loans $25K and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	5.79%	73-84 months
Details As Low As; LTV <=75%; Used auto 2017 to 2025; Loan amount $25k and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Auto Loan	-	-	6.04%	73-84 months
Details As Low As; LTV >75%; Used auto 2017 to 2025; Loan amount $25k and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.04% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Early Model Auto Loan	-	-	7.39%	1-36 Month
Details As Low As; Model Year: 2004-2016 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
First Time Auto Buyer Loan	-	-	7.64%	1-36 Months
Details As Low As; Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Early Model Auto Loan	-	-	7.69%	37-60 months
Details As Low As; Model Year: 2004-2016 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
First Time Auto Buyer Loan	-	-	7.94%	37-60 Months
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Early Model Auto Loan	-	-	8.19%	61-72 Months
Details As Low As; Model Year: 2004-2016 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - New Motorcycles	-	7.14%	1-36 months
Details As Low As; Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Boat/ Trailer Loan	-	7.59%	1-60 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Motorcycle Loan - New Motorcycles	-	7.64%	37-60 months
Details As Low As; Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Motor Homes/ RVs Loan	-	7.64%	1-60 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Travel Trailer/Jet Ski Loan	-	7.64%	1-60 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Boat/ Trailer Loan	-	7.64%	1-60 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Motorcycle Loan - Used Motorcycles	-	7.69%	1-36 Months
Details As Low As; Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Boat/ Trailer Loan	-	7.89%	61-72 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Motor Homes/ RVs Loan	-	7.89%	61-72 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Travel Trailer/Jet Ski Loan	-	7.89%	61-72 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Motor Homes/ RVs Loan	-	7.89%	1-60 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Travel Trailer/Jet Ski Loan	-	7.89%	1-60 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Motor Homes/ RVs Loan	-	8.04%	73-84 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.04% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Boat/ Trailer Loan	-	8.14%	73-84 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Travel Trailer/Jet Ski Loan	-	8.14%	73-84 months
Details As Low As; 110% of purchase price. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Boat/ Trailer Loan	-	8.14%	61-72 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Motor Homes/ RVs Loan	-	8.14%	61-72 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Travel Trailer/Jet Ski Loan	-	8.14%	61-72 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Motorcycle Loan - Used Motorcycles	-	8.19%	37-60 Months
Details As Low As; Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Motor Homes/ RVs Loan	-	8.29%	85-120 months
Details As Low As; 110% of purchase price; Loan amount $35k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Motor Homes/ RVs Loan	-	8.29%	73-84 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Travel Trailer/Jet Ski Loan	-	8.39%	85-120 months
Details As Low As; 110% of purchase price; Loan amount $35k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Boat/ Trailer Loan	-	8.39%	73-84 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Travel Trailer/Jet Ski Loan	-	8.39%	73-84 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Motor Homes/ RVs Loan	-	8.54%	85-120 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance; Loan amount $35k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.54% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Boat/ Trailer Loan	-	8.64%	85-120 months
Details As Low As; 110% of purchase price; Loan amount $35k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Travel Trailer/Jet Ski Loan	-	8.64%	85-120 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance; Loan amount $35k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Boat/ Trailer Loan	-	8.89%	121-180 months
Details As Low As; 110% of purchase price; Loan amount $50k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Boat/ Trailer Loan	-	8.89%	85-120 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance; Loan amount $35k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
New Motor Homes/ RVs Loan	-	9.04%	121-180 months
Details As Low As; 110% of purchase price; Loan amount $50k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.04% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Boat/ Trailer Loan	-	9.14%	121-180 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance; Loan amount $50k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Used Motor Homes/ RVs Loan	-	9.54%	121-180 months
Details As Low As; 100% of appraised value on private party, dealer transactions or refinance; Loan amount $50k & over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.54% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.34%	1-36 months
Details As Low As; Loan Maximum: $50,000; Rates quoted assume excellent borrower history Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.34% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Personal Loan	9.84%	37-60 months
Details As Low As; Loan Maximum: $50,000; Rates quoted assume excellent borrower history Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.84% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Personal Loan	10.54%	61-72 months
Details As Low As; Loan Maximum: $50,000; Loan amount: $15k & over; Rates quoted assume excellent borrower history Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.54% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

The Police Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-Eight Loan	-	-	3.24%	1-24 months
Details As Low As; Loan amounts up to $5,000 for any use; $5,001-$7,500 for qualified professional use Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
10-Eight Loan	-	-	3.74%	25-36 months
Details As Low As; Loan amounts up to $5,000 for any use; $5,001-$7,500 for qualified professional use Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
10-Eight Loan	-	-	4.24%	37-48 months
Details As Low As; Loan amounts up to $5,000 for any use; $5,001-$7,500 for qualified professional use Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Green Energy Loan	-	-	7.24%	12-60 months
Details As Low As; Maximum loan amount $75,000; $125 loan processing fee Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Green Energy Loan	-	-	7.74%	61-120 months
Details As Low As; Maximum loan amount $75,000; $125 loan processing fee Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Green Energy Loan	-	-	7.74%	121-180 months
Details As Low As; Maximum loan amount $75,000; $125 loan processing fee Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Green Energy Loan	-	-	8.24%	181-240 months
Details As Low As; Maximum loan amount $75,000; $125 loan processing fee Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Improvement Loan	-	-	8.24%	1-84 months
Details As Low As; Amounts up to $20,000; Minimum loan amount $2,500, maximum loan amount $75,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Improvement Loan	-	-	8.49%	85-120 months
Details As Low As; Amounts $20,001-$35,000; Minimum loan amount $2,500, maximum loan amount $75,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Improvement Loan	-	-	9.24%	121-180 months
Details As Low As; Amounts $35,001 and over; Minimum loan amount $2,500, maximum loan amount $75,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

The Police Credit Union’s Texas Ratio fell from 5.29% in Q3 2023 to 3.54% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	3.54%	5.0	A+
March 31, 2026	$1.1B	1.57%	5.0	A+
December 31, 2025	$1.0B	1.54%	5.0	A+
September 30, 2025	$1.1B	1.53%	5.0	A+
June 30, 2025	$1.1B	1.93%	5.0	A+
March 31, 2025	$1.1B	2.45%	5.0	A+
December 31, 2024	$1.1B	2.49%	5.0	A+
September 30, 2024	$1.1B	2.70%	5.0	A+
June 30, 2024	$1.1B	2.70%	5.0	A+
March 31, 2024	$1.1B	2.45%	5.0	A+
December 31, 2023	$1.1B	4.64%	5.0	A+
September 30, 2023	$1.1B	5.29%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for The Police Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather The Police Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with The Police Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Police Credit Union

Website https://www.thepolicecu.org

Address 1250 Grundy Ln, SAN Bruno, CA 94066

Phone 415-564-3800

Fax 415-564-5519

President STEVE TACCHINI

CEO EDDIE YOUNG

Full-Time Employees 130

Part-Time Employees 1

Branch Locations 5

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.54%

Return on Assets (ROA)

0.0874%

Return on Equity (ROE)

0.7086%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

1,046,599,051

Total Amount of Shares and Deposits

925,856,313

Total Shares and Deposits < 1 Year

877,198,283

Total Shares and Deposits 1 3 Years

39,313,835

Total Shares and Deposits > 3 Years

9,344,195

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

109,300,926

Total Uninsured Shares and Deposits > $250K (F+J)

109,300,926

Total Insured Shares and Deposits > $250K (item 17 less item K)

816,555,387

Total Interest Expense (Sum of items 6 8)

4,441,608

Share Certificates

5,280

Number of Accounts for Share Drafts

27,528

IRA KEOGH Accounts

1,669

Number of Accounts for Regular Shares

45,050

All other shares

Money Market Shares

1,786

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

201,615,276

Total Liabilities

939,991,893

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Police Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About The Police Credit Union

Does The Police Credit Union offer CDs?

Yes. The Police Credit Union current CD rates include its 60 month 5 Year CD at 3.562% APY, its 36 month 3 Year CD at 3.355% APY and its 48 month 4 Year CD at 3.355% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from The Police Credit Union NCUA insured?

Yes. The Police Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at The Police Credit Union?

The highest The Police Credit Union CD rate is its Special 18 Month CD at 3.748% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does The Police Credit Union offer?

The Police Credit Union CD rates are 3.303% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.303% APY for a 2 year CD, 3.355% APY for a 3 year CD, 3.355% APY for a 4 year CD and 3.562% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with The Police Credit Union for its full lineup.

What is the highest savings rate at The Police Credit Union?

The highest The Police Credit Union savings rate is its Savings Account at 1.005% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at The Police Credit Union?

The highest The Police Credit Union money market rate is its Smart Advantage Money Market at 3.655% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at The Police Credit Union?

The highest The Police Credit Union checking rate is its Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at The Police Credit Union?

The lowest The Police Credit Union auto loan rate is its New Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at The Police Credit Union?

The lowest The Police Credit Union personal loan rate is its Personal Loan at 9.34% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does The Police Credit Union operate?

The Police Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join The Police Credit Union?

Yes, to access services at The Police Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, The Police Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Police Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does The Police Credit Union offer online and mobile banking?

Most modern institutions like The Police Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.thepolicecu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do The Police Credit Union rates compare?

The Police Credit Union's CD rates are 14% higher than the MonitorBankRates national average, and it has an A+ health rating. The Police Credit Union's top rates are its Special 18 Month CD at 3.748% APY, its Savings Account at 1.005% APY, its Smart Advantage Money Market at 3.655% APY, its Checking at 0.05% APY and its Personal Loan at 9.34% APR, verified by MonitorBankRates on October 29, 2026.

Current The Police Credit Union Rates

12-Month CD3.30%
18-Month CD3.75%
24-Month CD3.30%
60-Month CD3.56%
Savings1.00%
MMA3.65%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

The Police Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Police Credit Union Texas Ratio

The Police Credit Union Health Trend

The Police Credit Union CD Rates

The Police Credit Union Savings Rates

The Police Credit Union Money Market Rates

The Police Credit Union Checking Rates

The Police Credit Union Auto Loan Rates

The Police Credit Union RV, Boat and Powersport Loan Rates

The Police Credit Union Personal Loan Rates

The Police Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

The Police Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Police Credit Union

Does The Police Credit Union offer CDs?

Are CDs from The Police Credit Union NCUA insured?

What is the highest CD rate at The Police Credit Union?

What CD terms does The Police Credit Union offer?

What is the highest savings rate at The Police Credit Union?

What is the highest money market rate at The Police Credit Union?

What is the highest checking rate at The Police Credit Union?

What is the lowest auto loan rate at The Police Credit Union?

What is the lowest personal loan rate at The Police Credit Union?

How many branches does The Police Credit Union operate?

Is a member application needed to join The Police Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Police Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do The Police Credit Union rates compare?

Current The Police Credit Union Rates

Compare to Other Credit Unions