A Message From the CEO

As Police Officers, you know full well what it means to rely on your partner.  When you function as a team, you are stronger and more productive than you would otherwise be on your own.
 
If you are really fortunate, your partnership extends beyond just the person sitting next to you in the squad.  You certainly need a great team around you at all times if you are going to achieve consistent results.
 
As your credit union, we understand this concept and we are proud that you have chosen us as your financial partner.  We don't claim to understand what it is like to be a Police Officer, but we are experts at understanding the financial needs of Police Officers and all of the employees of your credit union have chosen to make a career out of assisting each and every one of you so that you may realize your life's goals.
 
Much as you continue to face tough and uncertain times, your credit union continues to navigate through turbulent and confusing economic times.  Yet, together, we have created a credit union that is strong and vibrant, as evidenced by the outstanding year that we enjoyed in 2016.
 
In some ways, it was an all-time record year.  We achieved all of our main goals and objectives, while expanding our reach and creating the basis for steady and responsible growth going forward.  We certainly would not have reached these heights without your continued support and, for that, we thank you!
 
Keep an eye out for new products, special rates, and the stellar service that you deserve as we head into 2017 and please remember that we stand with you and we always will.
 
Jim Bedinger
CEO

5 Things We Can Do For You!

With a New Year comes an open slate to assess the past, tie up loose ends, and reinforce your financial portfolio to meet your current budget and any unforeseen expenses that may come your way. 

As your financial partner in helping you realize your life's goals, here's what we can do for you right now:

Financial Planning

The credit union offers financial planning through our exclusive alliance with  MAF Companies. MAF is knowledgeable about the specific challenges and obstacles that police officers and their families face, and their team builds upon that expertise to find solutions for your individual needs.  You can contact MAF by phone at 844.COP.SAVE , or email at  [email protected] .

Credit Repair

NPCU's trusted business partner and credit guru  Gwen Hawkins  specializes in developing signature debt repair programs, with services including Credit Improvement, Debt Restructuring, Mortgage Qualification and Establishing Credit for the first time. To schedule a confidential meeting,  which  is free of  charge  for NPCU members, you can contact Gwen by phone at 844.COP.SAVE, or email at [email protected]

Debt Consolidation

Signature Loans  allow you to borrow on your signature alone! No collateral is needed and you can use the funds however you like. Rates are as low as  3.90%* APR**, and you can borrow up to  $20,000. Click here to check rates. Click here  to apply for a loan. 

*Subject to credit qualification; additional restrictions may apply. **APR = Annual Percentage Rate.

Increase Your Savings

Share Certificates  are a safe and secure instrument for members looking to earn a greater rate of return.  We offer 6*-, 12-, 24-, and 36-month term certificates with competitive rates starting at  0.19% APR**.  Members 55 years of age or older receive an additional 0.20% APR, and  E-Users receive an additional 0.05% APR***.  For more information, please  call 844.COP.SAVE.

An   Individual Retirement Account (IRA) i s  a strong product with benefits designed to  help build a secure financial future. We offer NCUA-approved Roth, Traditional, and Educational IRAs at competitive rates. Account Relationship Pricing is  available on 12-, 24-, and 36-month IRA Share Certificates. Click  here  for  current rates For more information, please  call 844.COP.SAVE.

Start saving for the holidays with  our   Christmas Savers Account , which  allows you to deposit funds through payroll deduction into a special account that matures October 1, 2017.  This Account pays you a higher interest rate than a regular, low-balance Savings Account.  For more information, please  call 844.COP.SAVE.

*6-month Share Certificates do not qualify for Account Relationship Pricing. **APR=Annual Percentage Rate. ***Must be E-User for at least 60 days. Additional restrictions may apply.

Offer You Hassle-Free, Free-of-Charge Products

NPCU'S totally free Checking Account   features no monthly service chargeno minimum balance requirements, overdraft protection, online bill pay, monthly E-statements, and a free Visa Debit Rewards Card, which can be tied to your NPCU Blue Line Rewards Card. Click here for current rates. To get started, please call 844.COP.SAVE.

You  want your credit card to work for you, not the other way around, right? Then be sure to peruse our many different  NPCU Visa Credit Card options , all of which feature  no annual fee , a 25 day interest-free grace period for  purchases, and the same low, non-variable APR* for purchases, cash advances and balance transfers. Click here to apply for an NPCU Visa credit card. 

*APR = Annual Percentage Rate.

Did You Know NPCU Offers Mortgages?
 
NPCU would like to remind you that one of the many benefits of your membership is access to cutting edge products and services, such as our mortgage offerings.   Find us online by clicking here, or call us directly at  844.COP.SAVE to speak with one of our representatives to discover just how competitive our rates and terms are.  

Through a partnership with Quicken Loans, one of the nation's largest lenders, we are able to utilize their technology to offer same day mortgage pre-approvals and customized service, all with some of the best rates in the market.  

Whether you are trying to purchase the home of your dreams or are looking to refinance your existing mortgage to more favorable terms, we have you covered; NPCU can accommodate conventional, FHA, and VA loans.  With a combined 40 years of lending experience, our team can assist you with all of your mortgage needs.  

Don't get lost working with a stranger at a big bank; work with a company that is part of a 78-year old institution, which has been serving the needs of police officers and their families since 1938.

New Year, New Car
car-sales-lot2.jpg

I f you are thinking of buying a new or used car, let us help you navigate the process and ease the expense. NPCU offers competitive  rates , extended terms, and an easy application process. For a limited time only, we are offering  rates as low as 1.49% APR*  on both  new and used auto loans !
 
We may even be able to beat 0% financing by combining our low rates with dealership rebates! Check with NPCU before committing to any financing. We'll always tell you what will save you the most money - even if it's not with us.
 
Qualified members can even take advantage of our "blank check" program called  Write Your Own Ticket. This allows you to complete all your loan paperwork before you even select your new vehicle, and you get to take your blank check directly to the dealership of your choice. You can negotiate with the confidence of a cash buyer and we handle the remaining documentation directly with the dealership. 
 
Click  here to check our rates.

Apply online by clicking  here, or by calling 844.COP.SAVE.
 
We look forward to helping you get the New Year off to a great start!
 
*Subject to credit qualification. Additional restrictions may apply. APR = Annual Percentage Rate


You've Made The Decision To Retire. Now what?

You have worked hard your whole life and you've made the decision to retire. Now, you need to manage your assets so your retirement savings last. 
  • Understand your retirement plan distribution options : The best place to start is with human resources. Discuss deadlines and how much is available to you, and your options for payout. 
  • Spend wisely: Don't assume that you will be able to live on the earnings generated by your portfolio for the rest of your life. How much should you withdraw... professionals say no more than 4 - 6% of your portfolio.
  • Plan for Required Minimum Distributions: The government requires you to withdraw annually from traditional IRAs and employer-sponsored retirement plans after you reach age 70 1/2. Ask us about Roth IRAs and Qualified Longevity Annuity Contracts.
  • Plan your insurance: In retirement, insurance covers your long-term care needs and can play an important role in preserving your assets. Insurance can pass on your wealth or even create an income stream or resolve a pension gap.
Review your retirement plan at least once a year to ensure you are on track to meet your goals. Contact MAF Companies at 844.COP.SAVE, or email   [email protected].

Featured Employee

My name is Akymmia Sutton and I am a Call Center Representative. I have been with the credit union for nearly a year and a half.

My daily duties include speaking with members regarding their personal share or checking accounts, as well as keeping them updated on new offers and promotions, such as balance transfers, Skip-A-Pay, interest rates, etc. I ensure members have all the information they need to make the best financial decisions for themselves and their families, and I work hard to assist each member to the best of my ability.
 
I went to Monmouth College, a private liberal arts college, where I majored in communication with a minor in women studies. Upon graduating in 2013, I was recruited by ISAC (Illinois Student Assistant Commission) to be a financial aid specialist. Following that one-year stint, I worked for ComEd in their marketing department, as well as the Chicago Transit Authority as a bus operator. I joined the credit union in 2015.

My hobbies include spending time with my family, reading books, traveling, shopping, and makeup. I love to play volleyball, and my favorite sports team is the Chicago Bulls. One day I'm going to open up a housing complex for the homeless so they can have shelter while trying to find a job and make a better living for themselves.
 
My favorite thing about working for the credit union is being able to help and interact with the members as well as my co-workers.

Check out previous Featured Employee bios by visiting  our website.

News About LEOs Across the County

"Blue" Pride and Random Acts of Kindness
 
Individuals and businesses across the country continue coming together to show their appreciation and support of LEOs. While we promote as many of these as we can on our social media pages, the following are a few that deserve extra attention:
 







If you know of any random acts of kindness involving law enforcement, please keep us informed by emailing [email protected] .  We look forward to hearing from you and sharing your stories!
K9 You Believe It!?
 
Truly man's best friend, read about some of the top-dog work accomplished this past quarter from K9's throughout the US:






FAMILY TIES
 
The ties that bind are thick, especially in law enforcement, where the "The Thin Blue Line" connects one and all. In addition to "Blue Blood," there are many generational ties within LE, and it is a goal of ours to connect the dots. We kindly request you send us your multi-generational and siblings in LE photos along with a brief family history as we work to create the World's Largest LEO Family Tree. To get started, following are recent stories highlighting those in the "family business": 





In Memoriam

With great sadness, we respectfully pay tribute to the honorable men and women in blue and the brave K-9s whose lives were lost while on duty serving our country last quarter, October - December, 2016:

Sergeant Steve Owen
Los Angeles County Sheriff's Department, CA
EOW: Wednesday, October 5, 2016

Investigator Paul R. Stuewer
New York State Police, NY
EOW: Wednesday, October 5, 2016

Agent Victor Rosado-Rosa
Puerto Rico Police Department, PR
EOW: Wednesday, October 5, 2016

Police Officer Blake Curtis Snyder
St. Louis County Police Department, MO
EOW: Thursday, October 6, 2016

Police Officer Lesley Zerebny
Palm Springs Police Department, CA
EOW: Saturday, October 8, 2016

Police Officer Jose Gilbert Vega
Palm Springs Police Department, CA
EOW: Saturday, October 8, 2016

Sergeant Luis A. Meléndez-Maldonado
Puerto Rico Police Department, PR
EOW: Wednesday, October 12, 2016

Police Officer Aaron J. Christian
Chesapeake Police Department, OH
EOW: Tuesday, October 18, 2016

Deputy Sheriff Jack Hopkins
Modoc County Sheriff's Office, CA
EOW: Wednesday, October 19, 2016

Sergeant Alfonso Lopez
Los Angeles County Sheriff's Department, CA
EOW: Monday, October 24, 2016

Trooper Timothy P. Pratt
New York State Police, NY
EOW: Wednesday, October 26, 2016

Sergeant Allen Brandt
Fairbanks Police Department, AK
EOW: Friday, October 28, 2016

Police Officer James Brockmeyer
Chester Police Department, IL
EOW: Friday, October 28, 2016

Police Officer Myron Jarrett
Detroit Police Department, MI
EOW: Friday, October 28, 2016

Deputy Sheriff Dan Glaze
Rusk County Sheriff's Office, WI
EOW: Saturday, October 29, 2016

Sergeant Rod Lucas
Fresno County Sheriff's Office, CA
EOW: Monday, October 31, 2016

Deputy Sheriff Scott Williams
Taylor County Sheriff's Office, FL
EOW: Monday, October 31, 2016

Police Officer Jorge Sanchez
Miami Police Department, FL
EOW: Tuesday, November 1, 2016

Police Officer Justin Scott Martin
Urbandale Police Department, IA
EOW: Wednesday, November 2, 2016

Sergeant Anthony David Beminio
Des Moines Police Department, IA
EOW: Wednesday, November 2, 2016

Sergeant Paul Tuozzolo
New York City Police Department, NY
EOW: Friday, November 4, 2016

Sergeant Patrick Michael Sondron
Peach County Sheriff's Office, GA
EOW: Sunday, November 6, 2016

Police Officer Cody Brotherson
West Valley City Police Department, UT
EOW: Sunday, November 6, 2016

Police Officer Darrin Reed
Show Low Police Department, AZ
EOW: Tuesday, November 8, 2016

Deputy Sheriff Daryl Smallwood
Peach County Sheriff's Office, GA
EOW: Tuesday, November 8, 2016

Police Officer Jude Williams Lewis
New Orleans Police Department, LA
EOW: Tuesday, November 8, 2016

Police Officer Scott Leslie Bashioum
Canonsburg Borough Police Department, PA
EOW: Thursday, November 10, 2016

Deputy Sheriff Dennis Wallace
Stanislaus County Sheriff's Department, CA
EOW: Sunday, November 13, 2016

Deputy Sheriff Justin White
Newton County Sheriff's Office, GA
EOW: Tuesday, November 15, 2016

Border Patrol Agent David Gomez
United States Department of Homeland Security - Customs and Border Protection - United States Border Patrol, US
EOW: Wednesday, November 16, 2016

Assistant Commander Kenneth Joseph Starrs
South Texas Specialized Crimes and Narcotics Task Force, TX
EOW: Wednesday, November 16, 2016

Deputy Commander Patrick Thomas Carothers
United States Department of Justice - United States Marshals Service, US
EOW: Friday, November 18, 2016

Detective Benjamin Edward Marconi
San Antonio Police Department, TX
EOW: Sunday, November 20, 2016

Deputy Sheriff Eric James Oliver
Nassau County Sheriff's Office, FL
EOW: Tuesday, November 22, 2016
Cause of Death: Struck by vehicle

Trooper Eric Dale Ellsworth
Utah Highway Patrol, UT
EOW: Tuesday, November 22, 2016

Sergeant Collin James Rose
Wayne State University Police Department, MI
EOW: Wednesday, November 23, 2016

Trooper Cody James Donahue
Colorado State Patrol, CO
EOW: Friday, November 25, 2016

Police Officer Reginald Jacob "Jake" Gutierrez
Tacoma Police Department, WA
EOW: Wednesday, November 30, 2016

Trooper Frankie Williams
New Jersey State Police, NJ
EOW: Monday, December 5, 2016

Deputy Sheriff Ryan Thomas
Valencia County Sheriff's Office, NM
EOW: Tuesday, December 6, 2016

Police Officer Nicholas Ryan Smarr
Americus Police Department, GA
EOW: Wednesday, December 7, 2016

Public Safety Officer Jody Carl Smith
Georgia Southwestern State University Department of Public Safety, GA
EOW: Thursday, December 8, 2016

Corrections Officer Lisa Mauldin
Miller County Sheriff's Office, AR
EOW: Monday, December 19, 2016

Trooper Landon E. Weaver
Pennsylvania State Police, PA
EOW: Friday, December 30, 2016

K9 Section

K9 Jardo
Boise Police Department, ID
EOW: Wednesday, November 16, 2016

K9 Thor
Wethersfield Police Department, CT
EIW: Tuesday, November 22, 2016

K9 Forest
Volusia County Sheriff's Office, FL
EOW: Tuesday, November 22, 2016

K9 Payne
Pembroke Police Department, NC
EOW: Tuesday, November 29, 2016

Our thoughts and prayers are with the friends and family, blood and blue, of these fine officers, and too many others whose lives were also lost this past quarter from ailments, accidents or natural causes. We thank, appreciate and honor each hero for his or her bravery and ultimate sacrifice. Rest in Peace.
Holiday Closings

National Police Credit Union will be closed during the following days:

Monday, January 16                                           
Saturday, February 18
Monday, February 20

National Police Credit Union
a division of Chicago Patrolmen's Federal Credit Union

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