FALL 2022
GUARDIAN CHECKING With Free Premium Security Benefits for Law Enforcement Professionals Exclusively for law enforcement professionals (active/retired), our free Guardian Checking Account1 includes powerful privacy and security features to help protect you. The first of its kind in the nation, this premium-benefit account is only available to LAPFCU members. When you put just $500 a month into the account via direct deposit or ACH credits and receive your statements and disclosures online, you get: n
Free LEO Web Protect2 for sworn personnel: Digital privacy service that continually removes personal information from the Internet
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Free Sontiq Enhanced ID Protection3 for non-sworn personnel: Comprehensive ID theft monitoring and restoration service
ENJOY No monthly service fees n No minimum balance requirements n
PROTECTING THOSE WHO PROTECT! Scan this code for more information about Guardian Checking Account
LAPFCU is the only financial services provider in the nation offering this type of product and service! Take advantage of this exclusive offer for law enforcement personnel at lapfcu.org, call (877) 695-2732, or visit an LAPFCU branch. 1 Guardian Checking can only be opened by members that are sworn or non-sworn law enforcement personnel (active or retired) of county or municipal police departments or sheriff’s offices in qualifying areas we serve. Sworn law enforcement personnel will receive a one-year subscription to LEO Web Protect services. Non-sworn law enforcement personnel will receive a one-year subscription to Sontiq Enhanced ID Protection services. Both services will be renewed annually if the monthly Guardian Checking requirements are met: (a) $500 or greater monthly direct deposit/ ACH credit and (b) opt into e-Statements and e-Disclosures. Joint account holders who are not sworn or non-sworn law enforcement personnel are not eligible for the LEO Web Protect or Sontiq Enhanced ID Protection services. Optional add-ons are available for both services at an additional cost. Other restrictions may apply, please call (877) 695-2732 or visit lapfcu.org/guardianchecking for complete details. 2LEO Web Protect Inc is law enforcement-owned and -operated. LEO Web Protect Inc specializes in the removal of personal private information from the Internet and continually searches the Internet for your personal information in order to keep it out of the wrong hands. LAPFCU provides the LEO Web Protect Inc service as a free benefit to members who qualify. Optional add-ons may be included at an additional cost. For additional information, please visit leowebprotect.com/product/los-angeles-police-federal-credit-union. 3Sontiq Enhanced ID Protection is a service provided by Sontiq, a TransUnion Company. Sontiq Enhanced ID Protection is a leading provider of proactive identity, privacy, and credit protection by delivering ongoing monitoring, rapid alerts, and recovery services to help protect against ID theft. LAPFCU provides the Sontiq Enhanced ID Protection service as a free benefit to members that qualify. Optional add-ons may be included at an additional cost. For additional information, please visit lapfcu.sontiq.com.
HOLIDAY CLOSURES
Branches are closed: Monday, October 10 for Indigenous Peoples’ Day Friday, November 11 for Veterans Day Thursday, November 24, and Friday, November 25 for Thanksgiving Friday, December 23, and Monday, December 26 for Christmas
Please use the LAPFCU app or online banking. For 24/7 assistance, call our Member Contact Center at (877) 695-2732.
THIS YEAR, GIVE THE GIFT EVERYONE WILL LOVE! Cash Packs will be available December 5 in branches.
(877) 695-2732 • lapfcu.org
(877) 695-2732 • lapfcu.org
0822-59
*APR = Annual Percentage Rate. **APR = Annual Percentage Rate. Effective September 26, 2022. To qualify for 2.49% Fixed APR requires FICO score of 760 or greater, and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors (Member must apply online, participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://lapfcu.org/member-benefits/ for complete details. Only on a new or used auto loan for a 36-month term. May not be used to refinance an existing LAPFCU vehicle loan. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details. †6.875% / 6.895% APR as of September 26, 2022. Payment example: A 30 year fixed rate mortgage with a loan amount of $500,000 and no points would result in monthly payments of $3,284.64. Monthly payment excludes tax and insurance. All rates subject to change without notice. Fees run 1-1.5% of loan amount financed. Restrictions apply, ask for complete details. ***APY = Annual Percentage Yield. Minimum opening deposit for a regular share certificate is $500. An early withdrawal penalty may apply. ^Member Benefits program rate. Member Benefits is available to all LAPFCU members in good standing who qualify. Member must fulfill Member Benefit Program requirements in order to receive incentives. Program subject to change or cancellation at any time and restrictions may apply. Ask for details. More information available at lapfcu.org/memberbenefits. The following loan types are excluded from Member Benefits rate reductions: Real estate loans, mobile home loans, unsecured lines of credit, credit cards, share loans and share certificate loans.
Los Angeles Police Federal Credit Union is a financial institution with over $1.3 billion in assets exclusively serving active and retired, sworn and civilian employees of Los Angeles, Orange, Riverside, San Bernardino and Ventura Counties Law Enforcement, their families and select police-related groups.
SAVINGS RATES EFFECTIVE SEPTEMBER 26, 2022 Regular Share Certificates 1-Year Certificate....................... 1.55% / 1.56% APY***^ 3-Year Certificate....................... 1.90% / 1.92% APY***^ LOAN RATES EFFECTIVE SEPTEMBER 26, 2022 Mortgage Rates 30 Year Fixed†........ 6.875% / 6.895% APR* | Zero Points 15 Year Fixed ....6.125% / 6.275% APR* | 0.750% Points Auto Loans New Auto / Used Auto............ as low as 2.49% fixed APR** All rates and terms are subject to change without notice. Additional terms and conditions may apply. Call (877) 695-2732 for details.
PRODUCT HIGHLIGHTS
Virtual Appointments with an LAPFCU Associate
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Surcharge-free CO-OP ATMs and shared branches nationwide
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FREE Phone Banking and 24/7 Assistance at (877) 695-2732
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FREE PATROL Online Banking
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FREE Mobile Banking App1
Bank with LAPFCU wherever you are, 24/7! Use our GPS-based app to find the nearest shared branch or ATM; there are thousands of locations nationwide! Manage your accounts, pay bills, send money, make transfers, deposit checks, and so much more!
BANK ANYTIME, ANYWHERE!