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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.

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We're located downtown at 300 State Street, Suite 303


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

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Transfer your current car loan from another financial institution and receive up to 1.00% off your current rate.




Stop by, call, or email us to talk about your financial needs!



**Must be a member in good standing. Excludes loans already financed by EPFCU. Subject to credit approval. Rate based on creditworthiness, term, and age of vehicle. Interest rate floor at 3.99%. Minimum loan amount $10,000. Other terms and conditions apply.

Loan Rates
updated 2/12/2024

Erie Police Federal Credit Union

NEW LOANS RATES (Effective 6/20/2023)

New & Used Car

2024-2022 Model Year

24 months: 4.99%

36 months: 5.24%

48 months: 5.37%

60 months: 6.24% (Min. value of car $20,000)

72 months: 6.74% (Min. value of car $25,000)

84 months: 7.74% (Min. value of car $30,000)

Used Car

2021-2018 Model Year

24 months: 5.64%

36 months: 6.14%

48 months: 6.30%

60 months: 7.24%  (Min. value of car $20,000)

Note: Cars older than 2018 model year minimum loan amount $5,000.00 @8.99%.

Maximum term is 48 months.


The above base rates apply to members with a Credit Score between 660 and 699:

Credit Score of 750 or higher will receive a 0.50% discount, 700 - 749 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



$15,000 at 8.50%

Refinancing only after 6 months and balance below $7,500



up to $10,000 for a maximum of 48 months

(rates will be based on credit worthiness, term and other conditions per the schedule)



Up to $50,000.00 at 4.5%.  Max term of 60 months



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


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We're working on getting quarterly newsletters out and we would hate for you to miss one!

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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.


This statement was created on 26 September 2023 using the W3C Accessibility Statement Generator Tool.

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