Erie Police Federal Credit Union
Created in 1953 to serve the Police Officers and their families a full range of Savings Accounts and Loans to help you manage your finances.
Monday: 11:30am - 4:00pm
Tuesday: 11:30am - 4:00pm
Wednesday: 11:30am - 4:00pm
Thursday: 11:30am - 4:00pm
Friday: 11:30am - 4:00pm
November Skip A Pay
Fall Savings
This November, enjoy the chance to skip your loan payment! Embrace the season and let your finances chill while you focus on what matters most.
There will be a $20.00 processing fee per loan due at time of request. You must have made at least six (6) months of payments on your loan and your loan must be in good stating. Only one Skip-A-Payment on current Auto Loans in a 12-month period permitted. Terms and conditions of your loan agreement remain in force. All requests must be signed and back to the Credit Union by Friday, October 26, 2026.
Loan Rates
Erie Police Federal Credit Union
NEW LOANS RATES (Effective 10/15/2026)
New & Used Car
2027-2024 Model Year
24 months: 4.84%
36 months: 4.99%
48 months: 5.24%
60 months: 5.49% (Min. value of car $15,000)
72 months: 5.74% (Min. value of car $20,000)
84 months: 5.99% (Min. value of car $25,000)
Used Car
2023-2020 Model Year
24 months: 5.49%
36 months: 5.74%
48 months: 5.99%
60 months: 6.24% (Min. value of car $15,000)
72 months: 6.49% (Min. value of car $20,000)
84 months: 6.74% (Min. value of car $25,000)
Used Car
2019-2016 Model Year
24 months: 6.99%
36 months: 7.24%
48 months: 7.99%
60 months: 8.24% (Min. value of car $15,000)
Note: Cars older than 2015 model year minimum loan amount $5,000.00 @9.49%.
Maximum term is 48 months.
Classic & Antique Cars require 15% down of purchase price, all other loan rules apply
The above base rates apply to members with a Credit Score between 660 and 719:
Credit Score of 720 or higher will receive a 0.25% discount;
Credit Score of 601 – 659 will have a 0.50% add-on & Credit Scores below 600 will have a 0.75% add-on.
Pre credit approval will receive 0.25% discount.
Auto loans where the loan value exceeds the NADA Value will carry a slightly higher rate: ask the loan officer for details
Adders are as follows: 0.5% for deficiency of $250.00 - $1,000.00; 1.0% for deficiency of $1,001.00 - $2,000.00;
1.5% for deficiency of $2,001.00 - $3,000.00 and 2.0% for deficiency of $3,001.00 - $,3500.00
SECURED PERSONAL LOAN LIMITS
$15,000 at 8.50%
Refinancing only after 6 months and balance below $7,500
UNSECURED PERSONAL LOAN LIMITS
up to $10,000 for a maximum of 48 months
(rates will be based on credit worthiness, term and other conditions per the schedule)
Maximum total indebtedness to Erie Police Federal Credit Union, including your loans and loans you co-signed for: $75,000.00
Members can have only three (3) loans at any one time
New Boat, RV, ATV Loan Rates (Effective 1/21/2026)
New Used
24 months: 8.25% 24 months: 8.75%
36 months: 8.50% 36 months: 9.00%
48 months: 8.75% 48 months: 9.25%
60 months: 9.00% 60 months: 9.50%
72 months: 9.50% 72 months: N/A
84 months: 9.75% 84 months: N/A
120 months: 11.50% 120 months: N/A
**Must have a Bill of Sale that includes the price signed by all parties.
**Must have evidence of value on the Boat, RV, or ATV, such as a statement from NADA or an appraisal
Share Certificate Rates
Erie Police Federal Credit Union
Share Certificates (Effective 3/10/2025)
Minimum deposit of $1,000.00. Rates are subject to change. A penalty may be imposed for early withdrawal.
Accessibility Statement for Erie Police FCU website
This is an accessibility statement from Erie Police Federal Credit Union.
Conformance status
The Web Content Accessibility Guidelines (WCAG) defines requirements for designers and developers to improve accessibility for people with disabilities. It defines three levels of conformance: Level A, Level AA, and Level AAA. Erie Police FCU website is fully conformant with WCAG 2.1 level AA. Fully conformant means that the content fully conforms to the accessibility standard without any exceptions.
Date
This statement was created on 26 September 2023 using the W3C Accessibility Statement Generator Tool.