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Police Federal Credit Union

Police Federal Credit Union is a safe, secure home for your money, and we offer a variety of deposit and investment account options, each with highly competitive rates, to suit you and assist you in your individual savings needs.

Police FCU currently offers:

  • Basic Savings Accounts
  • Money Market Accounts
  • Share Certificates
  • Club Accounts

Basic Savings

In order to become a member at Police FCU, you must set up a basic savings account - a $5 deposit is required, and once established, you are eligible to apply for and take advantage of all other accounts and services the credit union has to offer.

All accounts are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency.

Money Market Accounts

Money Market Accounts - Making Your Savings Work Even Harder

Higher yields and easy access to your money - Police FCU offers a money market account that is second to none! The Police FCU Money Market Account provides the flexibility* and soundness of a savings account with the added advantage of higher earnings, and with our six-tier system, the more you save, the more you earn.

Start a money market account today with just $250**

The money market earning tiers:

  • Tier One: $250 to $4,999
  • Tier Two: $5,000 to $9,999
  • Tier Three: $10,000 to $24,999
  • Tier Four: $25,000 to $49,999
  • Tier Five: $50,000 to $99,999
  • Tier Six: $100,000 +

*You can withdraw or transfer money to other accounts, up to six times per month (three by paper check).
** A minimum balance of $250 is required to open and maintain the money market account.

Share Certificates

Strong Stability

Build up your savings with Police FCU share certificates. Police FCU share certificates are a risk-free investment option that allows you to earn higher rates on your savings by investing your funds in the credit union for a pre-selected period of time. Police FCU offers a variety of terms at reasonable minimum investments to help you make the most of your deposit investment.

  • Start a share certificate with as little as $1000
  • Flexible terms - from 6 months to 48 months
  • Dividends compounded monthly

30 Month Step-Up Share Certificate – Limited Special Offer

Get more flexibility over a conventional share certificate in a volatile market with a Police FCU Step-Up Share Certificate. If the rates go down, you’re protected because your Police FCU Share Certificate continues to earn dividends at the same high rate. But with a Step-Up Share Certificate, if rates increase, you have the flexibility to “step up” to a higher rate.
 Minimum Deposit: $500; a minimum of $500 must be maintained unless otherwise specified per promotional terms. Dividend Rate and Frequency: 1.00% (1.00% APY) Dividends are compounded monthly. Dividend Rate Step-up Feature: Member may request one (1) dividend rate change from the initial 1.00% certificate dividend rate to the then current 24 month share certificate dividend rate for the remainder of the certificate term. Term: 30 month Renewal upon maturity: Renew to current 24 month share certificate Penalty for Early Withdrawal: The lesser of 180 days or all dividends since date of issuance. If dividends have been withdrawn, the penalty will be deducted from principal
 Contact the credit union at 301.817.1200 to get yours started today!

Club Accounts

Holiday and Club Accounts - You pick the reason, we'll help you save

Need to save for the upcoming vacation, holiday, birthday, special occasion or event? Need a little help with the discipline to put away a little extra money toward that occasion or event? Let Police FCU help - set up a club account and make saving easy!

The Holiday Accounts are special savings accounts that you can make regular deposits to as you wish, and we will help you with the discipline part, as funds must remain in the account until the 1st of November* to get the full benefit of the account. Allotments and direct deposit make saving into this account even easier. Make deposits manually or automatically through payroll deduction - it is like an autopilot for saving toward your goal; you can also make transfers using Online Banking, or through Audio Response - banking by phone.

*If funds are withdrawn prior to November 1st a penalty is imposed, i.e., forfeiture of an amount equal to 90 days dividend, whether earned or not.

IRA Accounts

Police FCU Individual Retirement Accounts (IRAs)

Whether you are saving for retirement or higher education, Police FCU offers an IRA program that can assist you in reaching your life stage financial goals.
A Police FCU IRA is also a great place to reinvest your 401k, Qualified Retirement Account, or a rollover.

We currently offer:
-Traditional IRAs
-Roth IRAs
-SEP (Simplified Employee Pension) IRAs
-Coverdell Education Savings Accounts

IRA Certificates are also available

Click here for the IRA information page


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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
Hours of Operation: Upper Marlboro Branch - M-F 9am-4pm (drive-thru M-F 8am-6pm; Sat. 8:30am-12:30pm); DC Branch - M-F 8am-3pm