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The Police Credit Union Rates & Review September 2026

The Police Credit Union's Special 9 Month CD rates are at 3.41%, 48 month 4 Year CD rates are at 3.35%, 48 month 4 Year IRA CD rates are at 3.35%, 60 month 5 Year CD rates are at 3.35%, 60 month 5 Year IRA CD rates are at 3.35%. The Police Credit Union's savings rates are at 0.05%. The Police Credit Union's money market rates are at 0.05%. The Police Credit Union's Personal Loan Rates are as low as 9.34%. 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 1.57%. Rates last updated and verified on 09/21/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.57%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
The Police Credit Union
THE POLICE CREDIT UNION
1250 Grundy Ln
SAN Bruno, CA 94066
https://www.thepolicecu.org
Member NCUA

The Police Credit Union CD Rates

Product Rate APY Term View More
Special 9 Month Certificate 3.35% 3.41% 9 months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
48 month 4 Year Certificate 3.30% 3.36% 48 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
48 month 4 Year IRA Certificate 3.30% 3.36% 48 Months
Min Balance $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
60 month 5 Year Certificate 3.30% 3.36% 60 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
60 month 5 Year IRA Certificate 3.30% 3.36% 60 Months
Min Balance $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
36 month 3 Year Certificate 3.20% 3.25% 36 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
36 month 3 Year IRA Certificate 3.20% 3.25% 36 Months
Min Balance $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Special 18 Month Certificate 3.20% 3.25% 18 months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
24 month 2 Year Certificate 3.15% 3.20% 24 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
24 month 2 Year IRA Certificate 3.15% 3.20% 24 Months
Min Balance $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
12 month 1 Year Certificate 2.96% 3.00% 12 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
12 month 1 Year IRA Certificate 2.96% 3.00% 12 Months
Min Balance $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
6 Month Certificate 2.96% 3.00% 6 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
3 Month Certificate 1.49% 1.50% 3 Months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union Savings Rates

Product Rate APY View More
Tiered Savings 1.00% 1.01%
Min Balance $50,000
Details Balance: $50,000 and over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Tiered Savings 0.50% 0.50%
Min Balance $15,000
Details Balance: $15,000 - $49,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
IRA Savings+ 0.05% 0.05%
Min Balance $100
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Savings Account 0.05% 0.05%
Min Deposit $25
Min Balance $25
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Tiered Savings 0.05% 0.05%
Min Balance $0
Details Balance: $0 - $4,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Tiered Savings 0.05% 0.05%
Min Balance $5,000
Details Balance: $5,000 - $14,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Youth Accounts: Cadet Club and Money Patrol 0.05% 0.05%
Min Deposit $25
Min Balance $25
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union Money Market Rates

Product Rate APY View More
Smart Advantage Money Market 3.44% 3.50%
Min Balance $250,000
Details Balance: $250,000+
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Smart Advantage Money Market 3.25% 3.30%
Min Balance $150,000
Details Balance: $150,000 - $249,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Smart Advantage Money Market 3.20% 3.25%
Min Balance $100,000
Details Balance: $100,000 - $149,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Smart Advantage Money Market 2.43% 2.46%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Smart Advantage Money Market 1.98% 2.00%
Min Balance $15,000
Details Balance: $15,000 - $49,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Money Market Wealth Builder Account 1.74% 1.76%
Min Balance $250,000
Details Balance: $250,000+
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Money Market Wealth Builder Account 1.49% 1.50%
Min Balance $150,000
Details Balance: $150,000 - $249,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Money Market Wealth Builder Account 1.25% 1.26%
Min Balance $100,000
Details Balance: $100,000 - $149,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Money Market Wealth Builder Account 1.00% 1.01%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Smart Advantage Money Market 0.75% 0.75%
Min Balance $2,500
Details Balance: $2,500 - $14.999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Money Market Wealth Builder Account 0.55% 0.55%
Min Balance $15,000
Details Balance: $15,000 - $49,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Money Market Wealth Builder Account 0.05% 0.05%
Min Balance $2,500
Details Balance: $2,500 - $14.999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union Checking Rates

Product Rate APY View More
Checking 0.05% 0.05%
Min Deposit $25
Min Balance $25
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 4.74% 1-36 months
Details LTV <=75%; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 4.79% 1-36 months
Details LTV <=75%; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 4.84% 37-60 months
Details LTV <=75%; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 4.99% 1-36 months
Details LTV > 75%; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 4.99% 37-60 months
Details LTV <=75%; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 5.04% 1-36 months
Details LTV > 75%; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 5.09% 37-60 months
Details LTV > 75%; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 5.09% 61-72 months
Details LTV <=75%; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 5.24% 37-60 months
Details LTV > 75%; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 5.24% 61-72 months
Details LTV <=75%; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 5.34% 61-72 months
Details LTV > 75%; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 5.49% 73-84 months
Details LTV <=75%; $25k and over; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 5.49% 61-72 months
Details LTV > 75%; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Auto Loans - - 5.74% 73-84 months
Details LTV > 75%; $25k and over; As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 5.79% 73-84 months
Details LTV <=75%; $25k and over; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Auto Loans - - 6.04% 73-84 months
Details LTV > 75%; $25k and over; As Low As**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Auto Loans - Early Model Autos 2004-2016 - - 7.39% 1-36 Month
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
First-Time Auto Buyer Loan - - 7.64% 1-36 Months
Details Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Auto Loans - Early Model Autos 2004-2016 - - 7.69% 37-60 months
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
First Time Auto Buyer Loan - - 7.94% 37-60 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Auto Loans - Early Model Autos 2004-2016 - - 8.19% 61-72 Months
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Motorcycles Loan - 7.14% 1-36 months
Details Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Boat/ Trailer Loan - 7.59% 1-60 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Motor Homes/ RVs Loan - 7.64% 1-60 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Motorcycles Loan - 7.64% 37-60 months
Details Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Travel Trailer/Jet Ski Loan - 7.64% 1-60 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Boat/ Trailer Loan - 7.64% 1-60 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motorcycles Loan - 7.69% 1-36 Months
Details Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Boat/ Trailer Loan - 7.89% 61-72 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Motor Homes/ RVs Loan - 7.89% 61-72 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Travel Trailer/Jet Ski Loan - 7.89% 61-72 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motor Homes/ RVs Loan - 7.89% 1-60 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Travel Trailer/Jet Ski Loan - 7.89% 1-60 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Motor Homes/ RVs Loan - 8.04% 73-84 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Boat/ Trailer Loan - 8.14% 73-84 months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Travel Trailer/Jet Ski Loan - 8.14% 73-84 Months
Details 110% of purchase price.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Boat/ Trailer Loan - 8.14% 61-72 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motor Homes/ RVs Loan - 8.14% 61-72 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Travel Trailer/Jet Ski Loan - 8.14% 61-72 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motorcycles Loan - 8.19% 37-60 Months
Details Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Motor Homes/ RVs Loan - 8.29% 85-120 months
Details 110% of purchase price. $35k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motor Homes/ RVs Loan - 8.29% 73-84 Months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Travel Trailer/Jet Ski Loan - 8.39% 85-120 months
Details 110% of purchase price. $35k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Boat/ Trailer Loan - 8.39% 73-84 Months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Travel Trailer/Jet Ski Loan - 8.39% 73-84 months
Details 100% of appraised value on private party, dealer transactions or refinance.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motor Homes/ RVs Loan - 8.54% 85-120 months
Details 100% of appraised value on private party, dealer transactions or refinance. $35k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Boat/ Trailer Loan - 8.64% 85-120 months
Details 110% of purchase price. $35k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Travel Trailer/Jet Ski Loan - 8.64% 85-120 months
Details 100% of appraised value on private party, dealer transactions or refinance. $35k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Boat/ Trailer Loan - 8.89% 121-180 months
Details 110% of purchase price. $50k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Boat/ Trailer Loan - 8.89% 85-120 months
Details 100% of appraised value on private party, dealer transactions or refinance. $35k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
New Motor Homes/ RVs Loan - 9.04% 121-180 months
Details 110% of purchase price. $50k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Boat/ Trailer Loan - 9.14% 121-180 months
Details 100% of appraised value on private party, dealer transactions or refinance. $50k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Used Motor Homes/ RVs Loan - 9.54% 121-180 months
Details 100% of appraised value on private party, dealer transactions or refinance. $50k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan++ 9.34% 1-36 months
Details Loan Maximum: $50,000**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Personal Loan++ 9.84% 37-60 months
Details Loan Maximum: $50,000**
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Personal Loan++ 10.54% 61-72 months
Details Loan Maximum: $50,000**; $15k & over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

The Police Credit Union Other Rates

Product Rate Points APY/APR Term View More
10-Eight Loan - - 3.24% 1-24 months
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
10-Eight Loan - - 3.74% 25-36 months
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
10-Eight Loan - - 4.24% 37-48 months
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Green Energy Loan - - 7.24% 12-60 months
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Green Energy Loan - - 7.74% 61-120 months
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Green Energy Loan - - 7.74% 121-180 months
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Green Energy Loan - - 8.24% 181-240 months
Details As Low As*
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Home Improvement Loan - - 8.24% 1-84 months
Details As Low As; amounts up to $20,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Home Improvement Loan - - 8.49% 85-120 months
Details As Low As; amounts $20,001-$35,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%
Home Improvement Loan - - 9.24% 121-180 months
Details As Low As; amounts $35,001 and over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.57%

Financial Health History

The Police Credit Union’s Texas Ratio fell from 2.45% in Q2 2023 to 1.57% in Q1 2026, so its financial health has stayed 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.

0% 1.0★ 1.8% 2.0★ 3.6% 3.0★ 5.4% 4.0★ 7.1% 5.0★ Healthy zone – entire history below the 15% limit 2.45% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.57% A+ Q1 2026
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
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.1B1.57%5.0A+
December 31, 2025$1.0B1.54%5.0A+
September 30, 2025$1.1B1.53%5.0A+
June 30, 2025$1.1B1.93%5.0A+
March 31, 2025$1.1B2.45%5.0A+
December 31, 2024$1.1B2.49%5.0A+
September 30, 2024$1.1B2.70%5.0A+
June 30, 2024$1.1B2.70%5.0A+
March 31, 2024$1.1B2.45%5.0A+
December 31, 2023$1.1B4.64%5.0A+
September 30, 2023$1.1B5.29%5.0A+
June 30, 2023$1.1B2.45%5.0A+
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
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 128
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+ (99/100)
Texas Ratio
1.57%
Return on Assets (ROA)
0.0279%
Return on Equity (ROE)
0.2286%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
1,054,903,235
Total Amount of Shares and Deposits
936,056,494
Total Shares and Deposits < 1 Year
886,743,450
Total Shares and Deposits 1 3 Years
39,807,270
Total Shares and Deposits > 3 Years
9,505,774
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
114,275,100
Total Uninsured Shares and Deposits > $250K (F+J)
114,275,100
Total Insured Shares and Deposits > $250K (item 17 less item K)
821,781,394
Total Interest Expense (Sum of items 6 8)
2,265,055
Share Certificates
5,389
Number of Accounts for Share Drafts
27,279
IRA KEOGH Accounts
1,703
Number of Accounts for Regular Shares
45,440
All other shares
19
Money Market Shares
1,773
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)
233,437,123
Total Liabilities
949,010,927
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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

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Frequently Asked Questions About The Police Credit Union

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.

Current The Police Credit Union Rates

  • 12-Month CD3.00%
  • 18-Month CD3.25%
  • 24-Month CD3.20%
  • 60-Month CD3.35%
  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.