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Police Federal Credit Union
Today`s Rates
Auto Loans
(as low as)
1.74% APR

Fixed Rate Home Equity Line of Credit (as low as) 3.74% APR



View all Rates


For your borrowing needs, check out Police FCU first! We will work with your individual needs, get you qualified, and get you the best rates that we can!* **you must be a Police FCU member to apply for a Police FCU loan**

The Police Federal Credit Union offers a variety of lending programs which include:

For your convenience, the loan applications are available online (BELOW), so you can take your time to complete and submit online via our secure, encrypted environment or print it and mail, fax or bring it in.
**you must be a Police FCU member to apply for a Police FCU loan**



*rates and approvals based on individual's credit rating and credit worthiness.

Fixed Rate Home Equity

real estate loans

School tuition, home repairs or renovations, consolidation of bills - there are many different uses for a home equity loan. The Police FCU home equity loan is a great option that features great rates and flexible terms. Whatever your need is, Police FCU can provide the funds for it.

  • No application fees
  • Lines available from $10,000 to $250,000
  • Borrow up to 80% of the equity in your home (up to $100K)
  • Borrow up to 100% of the equity of your home (up to $250k)
  • 5 year draw period
  • 10 year amortization
  • Fixed interest rate for the life of the loan

Online applications are not available at this time. To apply for a fixed rate home equity line of credit, please email your request to our secure email or call 301.817.1200 and a loan officer will contact you to assist with the loan application process.

In the market to purchase a new home or refinance your current mortgage?

Visit our Online Mortgage Center


Auto Loan

auto loan

Police FCU has the key to your new auto loan or refinance your current to a lower rate!* Unlock a great rate and get on the road with your new car today!

  • Low rates
  • Up to 100% financing (used vehicles are based on NADA book value)
  • Online applications with quick approvals (typically within 24 hours)
  • Get pre-approved with us and make your vehicle purchase experience easier

And don’t forget to add GAP PLUS and MRC to your auto loan, for far less than what the dealers charge!

GAP PLUS - Guaranteed Asset Protection PLUS, gives you peace of mind and helps protect your investment in your vehicle against possible financial loss. In the event your vehicle is stolen or totaled in an accident, GAP Plus will cover the difference between the primary insurance settlement and what you still owe on your loan. With this valuable coverage, you will also get $2,500 towards the down payment on a replacement vehicle when financed with Police FCU within 120 days of the primary insurance company's settlement check. GAP Plus also provides $500 Auto Deductible Reimbursement. Our members save an average of $438 on GAP coverage when compared to dealership pricing.

MRC - Mechanical Repair Coverage, helps cover the cost of repairs on your vehicle. Our members save an average of $970 on MRC when compared with dealership pricing.

Both coverages available through Police FCU for a fraction of what the dealers charge. Contact us for pricing and details.

Let Police FCU help you find your next car.  Lock down the best price and secure the best rates with us.

*APR = Annual Percentage Rate. Rates are subject to change without prior notice.

Financing over 100% of value available based on eligibility.  Ask for rate and details; restrictions apply. Rate, Terms and possible down payment requirements are determined by borrower's credit score. Advertised rates reflect financing for 2013-2018 model year vehicles for up  to a 84 mo. term, includes a 1.50% cumulative reduction for Direct Deposit, Automatic Loan Payments, Law Enforcement Retiree,  Benefits Plus Member, 15% or > Down Payment, PFCU Visa Credit Cardholder, New Member Sponsorship, New Club Account, New Share Certificate, or CardNavSM (0.25% rate reduction per eligible discount). Loan Example: On a $15,000  auto loan, at 1.74% APR for 72 months, your monthly payments = $219.56. Other rates and terms available. Motorcycle loan rates are 1.00% above regular auto loan rates. Current PFCU loans not eligible for refinance.


apply now for an auto loan   **you must be a Police FCU member to apply for a Police FCU loan**

Auto calculator

*APR= Annual Percentage Rate. Rates are subject to change without notice. Rates are based on applicant(s) credit history. Your rate may vary.
Payment Example: $25,000 auto loan at 1.49% APR for 72 months is equal to a monthly payment of $363.20. Refinancing only available on outside loans.

Personal Loans

Need some extra money, Police FCU has your low interest personal loan

  • Low rates
  • Use to consolidate and pay off your higher rate loans
  • Unsecured fixed and variable rate loans
  • Can be used for any purpose

Personal Loan Types Available:

  • Backup Line of Credit

    A revolving line of credit that is secured with the signature of the applicant.

    Apply now for a Backup Line of Credit Online   **you must be a Police FCU member to apply for a Police FCU loan**

  • Signature Loans

    signature loan is secured with the signature of the applicant with repayment terms up to 72 months.

    Apply now for a Signature Loan Online   **you must be a Police FCU member to apply for a Police FCU loan**

  • Share Secured Loans
    A share secured loan is secured with the funds a member has on deposit in an account at the credit union. There is no limit to the amount of money a member can borrow via a share secured loan provided funds are on deposit to support the amount of the loan.

    Apply now for a Share Secured Loan Online   **you must be a Police FCU member to apply for a Police FCU loan**


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9100 Presidential Pkwy, Upper Marlboro, MD 20772 :: Phones: (301) 817-1200, (877) ARU-PFCU, (877) 278-7328 :: Fax: (301) 817-1230
© 2017 Police Federal Credit Union. All rights reserved.
The Police Federal Credit Union logo is a registered trademark of the Police Federal Credit Union.

Police Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 301-817-1200 or toll free at 877-278-7328. All products and services available on this website are available at all Police Federal Credit Union branches.