PRESORTED STANDARD U.S. POSTAGE PAID LOS ANGELES, CA PERMIT NO. 896
P.O. Box 10188 Van Nuys, CA 91410-0188
DISPATCHER
RETURN SERVICE REQUESTED
FROM OUR MEMBERS
WINTER 2025
BORROW SMARTER, ACHIEVE MORE!
I have been a member for 54+ years. They have been dependable through all of life’s ups and downs, providing great service, fair rates, and financial opportunities. Keep up the great work!
Take control of your finances with a low-interest home equity line of credit (HELOC). You’ll have the flexibility to borrow what you need, when you need it—to save on interest and get you closer to your financial goals. It’s a smart, affordable way to:
- Robert S.
3 Consolidate high-interest debt into one low payment 3 Upgrade or repair your home for long-term value 3 Pay property or income taxes
3 Create a safety net for emergencies
3 Fund a large project or event over time 3 Pay for ANY need
5.99% INTRO APR
For 12 Months Followed by a Variable 8.50% APR* APPLY NOW
Scan the QR code or visit lapfcu.org/home-equity
How It Works
A HELOC is an open-ended credit line secured by your home’s equity (current value minus the amount you owe). Borrow up to 80% of your home’s value and get interestonly payments for the first 10 years, with no closing costs or fees. This flexible, cost-effective tool helps you build a better future. Visit lapfcu.org/home-equity.
Questions? We can help determine if a HELOC is right for you. Call us at (877) 695-2732.
2025 RESOLUTIONS 3 Create and stick to a budget 3 Pay down high-interest debt 3 Be smart about borrowing
* APR=Annual Percentage Rate. 5.99% fixed introductory rate will continue for twelve (12) months. After the introductory rate period ends, a variable rate of 8.50% APR (effective rate date of November 18, 2024) based on your loan amount. The APR does not include costs other than interest. Loan amounts can range from a minimum of $25,000 to a maximum of $1 million, there is a minimum draw of $5,000 at funding, and up to maximum combined loan-to-value (CLTV) of 80% for owner-occupied or second-home properties located in California only. Variable rates may increase or decrease daily during the term of the agreement and are tied to the (WSJ) Prime Rate + 0.75% margin. Minimum rate of 2.90% and a maximum rate cap of 18%. Property hazard insurance is required. Closing costs are waived for loan amounts of $250,000 or less. For loan amounts greater than $250,000, the estimated closing costs can range from $2,000 to $3,000 depending on the loan amount. Fees apply for member-requested services, such as mobile notary, title changes, and solar documents on home equity lines of credit for amounts that are less than $250,000. All loans are subject to creditworthiness. $500.00 fee for early termination if closed ATMs, anddraw mobile available. 24/7 assistance atperiod (877)of695-2732. prior to two (2) years. The HELOC term is 25 online years (10-year period banking of interest only payments followed by a 15-year repay principal and interest payments). All rates and terms are subject to change without notice. This limited-time fixed introductory-rate promo offer is subject to change or cancellation at any time and other restrictions may apply, ask for details.
TELL US WHAT YOU THINK: MARKETING@LAPFCU.ORG. WE’D LOVE TO HEAR FROM YOU!
(877) 695-2732 n lapfcu.org
1124-002
(877) 695-2732 n lapfcu.org
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. * Insurance services provided by Bichlmeier Insurance Services, Inc., California license #OB26427. Insurance products offered are not sold or guaranteed by LAPFCU. They are not deposits, are not federally insured, are not protected by the NCUA and may be subject to risk. Any insurance required as a condition of an extension of credit by LAPFCU need not be purchased from the Credit Union and may be purchased from an agent or an insurance company of the member’s choice. Business conducted with Bichlmeier Insurance Services, Inc. is separate and distinct from any business conducted with LAPFCU. **Restrictions apply, ask for complete details.
Trust Maria, our in-house Insurance Specialist with over 20 years of experience, to find you affordable, personalized plans from top providers. Whether you need new coverage or a policy review to ensure you’re properly protected, LAPCUSO Insurance Services is here for you—just as they’ve always been. Call today for a free, no-obligation insurance review. n Exclusive discounts for LAPFCU members**
n Personalized coverage solutions for every stage of life n Over two decades of unwavering service to the law enforcement community
What Sets LAPCUSO Apart?
While many insurance companies stopped issuing new policies post-pandemic, LAPCUSO Insurance Services* continued to provide reliable, customized coverage from top-tier providers for our members. For a quarter of a century, LAPCUSO has continuously adapted to best meet your evolving needs and keep rates affordable.
A PARTNER YOU CAN COUNT ON
cuso@bisins.com
MARIA ASCENCIO Insurance Specialist LAPCUSO Insurance Services (818) 373-8384