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Member Benefits

The National FOP’s Officially Recommended Provider of Auto and Signature Loans

NPCUMembers of the National FOP are eligible to join National Police Federal Credit Union, proudly serving the needs of Law Enforcement officers and their families since 1938.

The Credit Union’s loan rates are among the lowest in the country:

  • Auto Loans: New Auto Loans start as low as 5.49% APR*, and Used Auto Loans as low as 5.99% APR*, with 100% financing available. Plus, our exclusive Write Your Own Ticket Auto Loan® gives you a “blank check” to take directly to the dealership of your choice!
  • Signature Loans: Borrow up to $25,000** for any purpose—no questions asked—with rates as low as 9.90% APR.*

Additional Credit Union Benefits

End of Watch Loan Protection: Provided at no cost to the borrower, this exclusive complimentary benefit cancels up to $850,000 of the outstanding balance on one or more loans1 should the unthinkable happen to an officer due to a line-of-duty incident2.

1% Below Market, 100% First Responder Focused: – At National Police Federal Credit Union, we’re committed to serving those who protect and serve. That’s why we’re excited to announce the First Responder Home Benefit – an exclusive mortgage offering tailored just for you. Enjoy rates up to 1% below market3, free End of Watch Loan Protection (up to $850,000)2, and quick and easy closings.

High Caliber Program: A personalized representative and special rates are among the many perks of our High Caliber Program, which rewards you for taking advantage of multiple products and services, including Auto and Signature Loans!

Free and Confidential Credit Counseling: Members enjoy free and confidential credit counseling with Certified Credit Union Financial Counselor Gwendolyn Hawkins, who has been assisting our members in law enforcement with their credit matters for over 25 years.

Where Are We Located? Everywhere You Need Us!

National Police Federal Credit Union is part of the CO-OP Shared Branching and Allpoint Networks, giving you access to nearly 5,000 Shared Branch locations and over 80,000 surcharge-free ATMs nationwide.

Access Anytime, Anywhere

With National Police Federal Credit Union, you get 24/7 convenience through:

  • Online Applications
  • Online Banking and Mobile App with LEO, Our AI-Powered Digital Assistant
  • Secure, Easy-to-Use Digital Services

No matter where you are, we make managing your finances simple and secure.

Join Today & Start Saving!

Apply online now at nationalpolicefcu.com

Proudly Serving Those Behind the Patch!


*APR = Annual Percentage Rate.

** Rates and credit limit subject to credit qualification.

1 Eligible Credit Union loans include Mortgages and Home Equity Loans; Auto, Motorcycle and Boat Loans; Signature Loans, Uniform Loans, Tuition Loans, Student Loan Consolidations, and Credit Cards.

2 End of Watch Loan Protection is available only for the qualifying officer, and the protection may not be purchased outright. This debt cancellation benefit only applies in the case of death. Please see loan addendum upon loan closing for more details.

3 Discounted portfolio conventional program available for a limited time. Subject to Credit Union underwriting criteria.

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Fraternal Order of Police

Fraternal Order of Police

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