Youth Accounts

Personal Loans

Eligible for membership?
Looking for a better place for your financial future?

Need some extra cash or consolidating debt?
Personal loans deliver the funds you need quick and easy with flexible terms up to 72 months!
No collateral required!

  • Borrow up to $25,000
  • Competitive fixed rates
  • Fixed payments for the term of the loan
  • No origination fees or prepayment penalties
  • Easy application and quick cash delivery**
law enforcement personal loans

Backup Line of Credit

Police FCU’s Backup Line of Credit provides our members ongoing access to cash when they needed it!

  • Credit lines up to $25,000
  • Low minimum payments at competitive variable rates
  • Easy access to funds 24/7 online, by check or transfer
  • Credit in reserve – use it how you want to – when you need to!

Share Secured Loans

Police FCU members get preferred loan rates when securing funds against their available share account or certificate of deposit.

  • Rates as low as 3.10% APR* (3.00% + share or certificate rate)
  • Flexible terms up to 60 months
  • No prepayment penalty
  • Predictable monthly payments

Bridge Loans

Police FCU’s offer bridge loans to law enforcement officers transitioning to retirement. To be considered, borrower must provide retirement separation letter and proof of ability to repay.

  • Up to $3,500 loan amount
  • Offered at the current Prime Rate (WSJP rate as of application date)
  • Up to 24 month repayment term
  • Fixed rate and payment for the loan term
  • Free one-on-one financial review

Additional qualifying criteria may apply. For more information, visit a branch location or call us at 301.817.1200.

killed in the line of duty loan protection

Quick Draw Loans

Take advantage of our quick and easy solution as an alternative to a high-cost payday loan. Our Quick Draw loan program offers fast access to cash with less restrictive qualifying criteria compared to traditional unsecured loans.

  • Up to $1,000 with 6 months payment term***
  • Up to $2,500 with 18 months payment term***
  • $20 application fee
  • Only one Quick Draw loan to a member at any given time
  • No more than three Quick Draw loans during a six-month period – no rollovers allowed
  • Additional qualifying criteria and income qualification apply

Contact Police FCU for a free credit review and financial counseling assistance. Visit a branch location or call us at 301.817.1200 for a confidential appointment.

*APR = Annual Percentage Rate. APR is based on the evaluation of creditworthiness. Rates are subject to change at any time without notice. Your actual APR may vary. Membership eligibility requirements apply. Subject to credit approval. Maximum aggregate unsecured credit limits cannot exceed $25,000 with Police Federal Credit Union.

**Funds will be issued upon receipt of all required documents.

***Payment Example: A $1,000 Quick Draw loan at 24.00% APR for 6 months is equal to a monthly payment of $178.50. A $5,000 Share Secured loan at 3.10% APR for 60 months is equal to a monthly payment of $90.08.

Advertised rates reflect 1.00% cumulative reduction with the Loan Rate Discount Program Offers 0.10% rate reduction per eligible discount, (up to 1.00% cumulative) for Direct Deposit of $1,000 or greater, Automatic Loan Payments, Law Enforcement Retiree, Police FCU Real Estate Loan, 15% or > Down Payment (qualifies for .20%), Electric or Hybrid Vehicle, NEW PFCU Visa® Credit Card, NEW Member Sponsorship, or New Certificate of Deposit of $5,000 or greater. Offer good for 0.10% rate reduction per eligible discount up to 1% cumulative. Other rates and terms available. Current PFCU loans not eligible for refinance.

Must be a Police FCU Member to apply for a loan. Check your eligibility and apply to become a member here.

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