Financial INFORMANT. Treat your special graduate (or yourself) to a new ride this Spring!

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1 POLICE FEDERAL CREDIT UNION S Financial Spring 2016 INFORMANT Rates as low as 1.49 % APR* As a Police FCU member, you have access to many exclusive member discounts. Enterprise Car Sales is another great perk of membership. For the past 50 years, Enterprise Car Sales has been selling cars only one way. They select great vehicles most from a fleet of more than 1 million used vehicles offer competitive used car prices, and back each one with one of the industry s best vehicle warranties. In addition to a great warranty program and low prices on used cars, the professional staff is trained in a low-pressure sales process that puts customers needs first. Haggle-free buying. Worry-free ownership the Enterprise way! Treat your special graduate (or yourself) to a new ride this Spring! To get pre-approved for an auto loan, call us at to speak with a Member Representative today! Visit our website to preview all the great vehicles Enterprise has to offer. *APR=Annual Percentage Rate. Rates are subject to change at any time without notice. Rates and terms are based on applicant(s) credit history. Your actual rate may vary. 1 For a period of seven days after the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager or call Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager or call Vehicle service contracts are available up to 60 months/84,000 miles. Total contract coverage cannot exceed 100,000 miles. 4 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Retired D.C. Police Reunion Calling all retired D.C. Police Officers! Join your retired D.C. Police brothers and sisters for a fun filled reunion. Visit for more information and registration form. Your Quarterly Source to Patrol the Best in Financial Services

2 Explore for Less with Benefits Plus The perks of being a Benefits Plus Checking member and using the Personal Mobile Concierge app allows you to power up local savings and live concierge service at your fingertips. Just tap, show, and save all over town. The savings continue with Special Travel Saving Coupons. Receive cash back simply by opening the app, tap the coupon, and book your summer vacation. Features: Around the clock savings Guaranteed lowest pricing Automatic Cash Back Rewards Specially Negotiated Rates And up to $250 in additional savings. Download the FREE app today to get your coupon and enjoy your summer savings. Not a Benefits Plus Checking member? Call us at or visit Let Police FCU Help You Hit the Open Road with a Great Rate We have braved the cold winter temperatures and now it s time to shift gears onto the open road! Lean into those winding roads and enjoy the pure delight of the ride to a beautiful spot to watch the sunset. It doesn t matter if it s your first bike or updating to a new ride, Police FCU can help. With rates as low as 2.49% APR 1 on the purchase of a New or Used Motorcycle, you ll be enjoying the ultimate freedom on the open road this spring in no time! Flexible Payment Terms No Payments for 90 Days 2 Refinancing Available Apply online at or call us at today! 1. APR= Annual Percentage Rate. Rates are subject to change without prior notice. Rates and terms are based on applicant(s} credit history. Your actual rate may vary. Advertised rate reflects financing for model year vehicles for up to an 84 month term, includes a 0.25% discount for Direct Deposit of $1,000, or more monthly, and automatic payments. Example: On a $15,000 motorcycle loan, at 2.49% APR for 60 months, your monthly payments= $ Certain restrictions apply. Other rates and terms available. Motorcycle loan rates are 1.00% above regular auto loan rates. Contact Police FCU for details. Current Police FCU loans not eligible for refinance. 2. Interest accrues from the date the loan is funded. Let Police FCU Make Your Outdoor Adventures Come True Did you know that Police FCU offers Boat & RV loans? We have the perfect option to help your outdoor adventures come true! With rates as low as 5.25% APR*, you ll be on your way in no time. With the weather warming up, it s time to start planning trips. You choose the mode of transportation, and Police FCU can help you get there! Police FCU has a loan to meet your every needs. Apply online, call, or visit us today! *APR=Annual Percent Rate, subject to change without notice. Loan amount must be $15,000+ for > 60 months term; $30,000+ for > 84 months term and $40,000+ for >120 term. Previous year models are considered new if untitled until April 1. 20% down payment normally required plus taxes and tags. EXCLUSIVE MEMBER SAVINGS ON CAR INSURANCE Get a Quote!

3 Smart Tips for Shopping Wisely With our Interest-free Shopping Program, we understand that getting the best deal is important to our members. Below are some tips and ideas that will help you shop smarter. 1. Convenience can cost you - Many of us start shopping where we always shop because of convenience. Most people shop on Amazon or a particular store because it s convenient, but they may not offer the same price. A little time spent on alternate sites can uncover tremendous savings. Most people will be surprised how much they can save. 2. Savings isn t just about price - Think about all the ways you can save. Most of us look to the price of the product or service but also look at the interest rate you will have to pay if you use a credit card, shipping costs, state and federal tax. For example, the Police FCU s Interest-Free shopping program can save members state and federal tax, which in many states is as high as 10%! Also, as an interest-free loan, you are saving up to 25% in interest charges for many, depending on your credit score. 3. Time Your Purchase - Many retailers have specific seasonal sales. Take advantage of them. If you don t really need the product right now, then don t rush. Wait and get the savings. 4. Check for a coupons and or credits - Many retailers, including our Interest-free shopping program offers a percentage off. Bundles are also a way to save. For many shoppers who are getting their first apartment or looking to replace many items, you can find bundles on the shopping site of items that go together. For example, there is a Foodie Bundle with several cooking items that are meant for those that love cooking. 5. Substitute - If the item you want to buy doesn t quite fit into your budget, think about similar but less expensive alternatives. Is there something that doesn t cost as much, but does the job I need it to? Do I really want this? It doesn t take much time or energy to get into the habit of considering your purchases more carefully. You may not always make the choice that will save you the most money, and instead opt for convenience, but at least you will have made a conscious and well-informed decision toward that purchase. To learn more about the Clear Choice Interest-Free Shopping Program and check out the amazing new bundles visit CardNav SM by CO-OP gives you instant access to manage how, when and where your cards are used. Manage your credit and debit cards using one app Determine how, when and where your cards are used Instantly turn any card on or off Ensure only you use your cards with GPS control Download the CardNav SM by CO-OP app to your smartphone today.

4 Spring Cleaning Your Finances Spring is here and this is usually the time we begin letting the fresh air in and start organizing and cleaning our homes. We can use this time to not only clean our homes, but also our finances. Here are five helpful tips on how you can spring clean your finances. 1. File away and dispose of old financial statements - It is easy to let mail pile up. These documents can cause clutter and contain a lot of personal information. Use this time to securely file away these documents or shred and dispose of the ones you don t need. Shredding documents is important in preventing identity theft. This may also be an opportunity to sign up for electronic statements. 2. Review your budget - Sometimes the holidays can take us a little off our budget. Take the opportunity to review your income and expenses. We don t realize how much a daily cup of coffee or buying lunch can add up quickly. Is there anything that can be cut out or consolidated? Take advantage of Police FCU s Bill Consolidation loans. 3. Check your credit - You are entitled to a free copy of our credit report every 12 months from each credit reporting company. Request a copy of your current credit report. Review and look for any inaccuracies. Taking the time to review your credit report can help to spot any problems early. Use reputable sites like AnnualCreditReport.com to obtain your credit report. For new Police FCU members, ask a Member Services Representative about a credit review. 4. Set up Automatic Bill Pay - With the weather warming up, we are busy planning vacations and fun outings with our family. We can easily miss payment due dates if we aren t careful. Set up automatic payments with your creditors to make sure you don t miss any payments. This can save you from having to pay any late fees. Check out Police FCU s Online Bill Pay to simplify your life. 5. Emergency Fund - Life can bring unforeseen circumstances. Having an emergency fund can ensure that we ll be prepared in the event something unexpected happens. Take advantage of Savings, Club, and/or Money Market accounts with high investment yields. Not only will your money be secure, but it also earns interest. Use these helpful tips to keep organized and financially responsible this Spring. April Is Financial Literacy Month! As a credit union member you already understand the importance of making good financial decisions. Throughout April we invite you to join with us as we celebrate National Financial Literacy Month. We have partnered with the Credit Union Foundation MD DC to support projects and programs that enhance the financial literacy of our members and the communities we serve. When you stop by the credit union during April you ll be invited to help support various financial education initiatives offered through the Foundation including: Grants to support credit union financial literacy programs Quicken software for members The Millionaire s Club high school financial literacy program Community financial fitness days Your donation in support of financial literacy helps expand these programs. It helps to support programs such as the Scholarship program and others that directly support our members. In recognition of your donation you can sign and display an I Support Financial Literacy donor sign in our lobby along with other contributors! So make a point to stop by the credit union during Financial Literacy Month this April. Show your support for financial education, and let us proudly display your name! Need money to cover your taxes? We can help with that too!

5 Police Federal Credit Union Members Save Big with the Credit Union Member Discount Save on your monthly wireless bills plus have your activation and upgrade fees waived. Our members can save: 10% off* select personal Sprint plans 15% off* select business Sprint plans Waived activation fee on new activations In Honor of Police Week 2016 May 15 - May 21 Police FCU supports our men and women of law enforcement. We want to take the time to acknowledge your commitment to your community. Thank you for your service and sacrifice. Join the Police FCU Family Waived upgrade fee Available to new and existing Sprint customers Consider the Sprint Credit Union Member Discount one of the many perks for being a member! 3 Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save Click LoveMyCreditUnion.org/Sprint Visit your nearest Sprint store Stop overpaying for your wireless services, start saving with the Sprint Credit Union Member Discount today. *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Being a member of Police FCU allows you many perks that you can take advantage of. We offer great low rates, higher investment yields, e-service conveniences, and membership for your immediate family! Share and grow with us! Whether you or your family members need a checking account, a low interest auto loan, or a sound home for your savings, Police FCU is your best choice! To learn about the unbeatable benefits we provide and why it pays to join, visit one of our branch locations, call us , and visit today! Police Federal Credit Union Headquarters and Branch Office 9100 Presidential Parkway Upper Marlboro, MD Branch Hours: 9:00 a.m. 4:00 p.m., M-F Drive-Thru Hours: 8:00 a.m. 6:00 p.m., M-F; 8:30 a.m. 12:30 p.m., Sat. Downtown DC Branch Office 300 Indiana Avenue NW, #4067 Washington, DC Branch Hours: 8:00 a.m. 3:00 p.m., M-F Phone: Audio Response Banking By Phone: Fax: Internet: Visit our website and click contact us. Please use the following address for all correspondence: Police Federal Credit Union 9100 Presidential Parkway Upper Marlboro, MD For current rates on Police FCU deposit and loan options, visit or call or 877-ARU-PFCU ( ) toll-free. Police FCU by the numbers As of February 29, 2016 Membership... 11,139 Assets...$142,052,136 Shares...$123,132,829 Loans... $ 74,809,097 Surcharge-Free ATM Locations Visit for your nearest ATM or shared branch. DC First District 101 M St., SW Third District 1620 V St., NW Fourth District 6001 Georgia Ave., NW Fifth District 1805 Bladensburg Rd., NE Sixth District 4201 Benning Rd., NE Seventh District 2455 Alabama Ave., SE MPD Police Training Academy 4665 Blue Plains Dr SW Holiday Closings MD Upper Marlboro Police FCU Building 9100 Presidential Pkwy. Capitol Heights In the Hampton Mall, 9001 Central Ave. Rt. 214, Exit 15B off I-495 Marlow Heights, 4003 Branch Ave. 165 Shared Branches in the MD/DC/VA area: MD - 44, DC - 23, VA - 98 Nationwide: 5,000 + Memorial Day Monday, May 30, 2016 Independence Day Monday, July 4, 2016 Serving Your Needs. Protecting Your Future.

6 Police Federal Credit Union Headquarters and Branch Office 9100 Presidential Parkway Upper Marlboro, MD PRESORT STANDARD US POSTAGE PAID ORLANDO, FL PERMIT #1556 WHAT S INSIDE! Graduate to a New Ride Let Police FCU Make Your Vacation Dreams Come True New Power for Cardholders: CardNav SM by CO-OP Spring Cleaning Your Finances Rates as low as 1.49 % APR* See Inside for details! 80th Anniversary Celebration Continues This past August kicked off the official 80 th Anniversary of Police Federal Credit Union. The Police Federal Credit Union was founded in 1935 and chartered in Washington, D.C. to serve originally, police officers of the Metropolitan Police Department, the United States Park Police, and the United States Secret Service. With now over 100 departments, agencies and groups, and immediate family members are eligible for membership. With membership growing in excess of 11,000 members and three branch locations, PFCU continues to strive to provide the world-class service that the credit union is known for. Not only is this celebration for the credit union but a Thank You to you the member. We are continuing our monthly special offers to show our appreciation. Visit our website for this month s current events and specials.