Magic. Financial SPRING. INFORMANT It s time to. Let Police FCU work on your Debt 6.74 % APR* INTO ACTION!

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1 POLICE FEDERAL CREDIT UNION S Financial PLUS! Bill Consolidation Offer Extended Through April 30th! Magic Let Police FCU work on your Debt Spring 2015 INFORMANT It s time to SPRING INTO ACTION! Your NEW CAR dreams will blossom with our extremely low rates! New and Pre-owned Autos % APR 1 - Up to 72 mos. financing - No payment for 90 days 2 - Refinancing available Apply online at or call us at APR = Annual Percentage Rate. Rates are subject to change without prior notice. Rates and terms are based on applicant(s) credit history. Your actual rate may vary. Advertised rate reflects financing for model year vehicles for up to a 72 month term, includes a 0.25% discount for Direct Deposit of $1,000, or more monthly, and automatic payments. Example: On a $20,000 auto loan, at 1.49% APR for 60 months, your monthly payments = $ Certain restrictions apply. Other rates and terms available. Motorcycle loan rates are 1.00% above regular auto loan rates. Contact Police FCU for details. Current Police FCU loans not eligible for refinance. 2 Interest accrues from the date the loan is funded. Rates as low as 6.74 % APR* A bill consolidation loan from Police FCU may be just the trick to turn your bills into one manageable payment! Don t miss this opportunity now extended through April 30th. Visit or call Your Quarterly Source to Patrol the Best in Financial Services

2 New at Police FCU PERSONAL MOBILE CONCIERGE Power up local savings and live concierge service at your fingertips. Just tap, show, and save all over town! Features: Nearly 300,000 discount participants Restaurants, Shopping, Entertainment, Health & Beauty, Automotive and Home & Garden Automatically searches for deals nearby or wherever you travel using your GPS location Just tap, show, and save all over town egift Cards sent immediately to your mobile device for instant redemption Dining Dough program saves you up to 87% when dining out Actual savings are automatically calculated and displayed in My Savings Full Service Travel with discounts and rebates (Guaranteed Lowest Pricing) Concierge services provided by live representatives Savings At Your Service... Simply call or register through the website at click the Benefits Plus Checking link. Download the FREE APP Today!* *Standard data rates apply. Benefits Plus membership required. Ask for details. Step Up! TO A BETTER RATE Get more flexibility over a conventional share certificate in a volatile market with a Police FCU Step-Up Share Certificate. If the rates go down, you re protected because your Police FCU Share Certificate continues to earn dividends at the same high rate. But with a Step-Up Share Certificate, if rates increase, you have the flexibility to step up to a higher rate. 30 MONTH STEP-UP SHARE CERTIFICATE Visit or call Minimum Deposit: $500; a minimum of $500 must be maintained unless otherwise specified per promotional terms. Dividend Rate and Frequency: 1.00% (1.00% APY) Dividends are compounded monthly. Dividend Rate Step-up Feature: Member may request one (1) dividend rate change from the initial 1.00% certificate dividend rate to the then current 24 month share certificate dividend rate for the remainder of the certificate term. Term: 30 month Renewal upon maturity: Renew to current 24 month share certificate Penalty for Early Withdrawal: The lesser of 180 days or all dividends since date of issuance. If dividends have been withdrawn, the penalty will be deducted from principal.

3 Top Places to Look for Scholarships time finding places to apply for scholarships, don t fret. Here are some of the best places to find a scholarship: The college you re applying - It sounds obvious, but many prospective students don t even think about inquiring at the college of their choice. So if you re applying at your dream college, it doesn t hurt to give the financial aid officers a call and ask them about scholarship opportunities they re the ones with the most information about their particular institution, after all. What s the top thing prospective college students are in search of? A scholarship, of course. Scholarships, or grants that offer full or partial financial help toward a student s education, are given on the basis of achievement, such as above average academics or athletics. And with student loans increasing every year, it s a no-brainer for college applicants to be looking for a way to decrease this amount when graduating. Sometimes scholarships can be hard to come across, so the key is knowing where to look. So if you re having a hard Share Us With Your Family! Community organizations - Ask about scholarships at your local church or civic area locations. Check out the local rotary or Lions, Eagles and Elks clubs. It s also possible that your neighborhood may be part of a community foundation or a Dollars for Scholars chapter, which can offer many scholarship opportunities. Family and friends - Maybe your parent s employers provide an opportunity to apply for a scholarship. Or perhaps your friend works in an environment where they have access to scholarship prospects. Also, your high school guidance counselor is bound to have ideas and options on where e-statements Police FCU has something for everyone, and we are dedicated to helping our members and their families at every phase of their financial life, that s why membership is open to you and your family! Like us in real life and come grow with us! Whether you or your family members need a convenient checking account, a first time auto loan, or a sound home for your savings, Police FCU is your best choice! How can signing up for e-statements benefit you? As a member of Police FCU, you own the Credit Union. With e-statements, you not only help reduce costs at your credit union, you also help save the environment and reduce paper clutter at home. So, those savings ultimately come right back to you! Viewing your statement online is safe, easy, and green. You can always print paper copies if you need them. Sign up today through Online Banking.

4 opportunities might be available to you. Even throwing it out there on a Facebook status or in a tweet might help you never know who s reading your posts and who can offer help. In this day and age, it s all about networking when it comes to scholarships, and you can never ask too many people for their help. The Internet - There are a number of websites that can help you get started. For example, Zinch.com offers creative and fun scholarships that students can apply for. Fastweb.com is a great resource for not only monetary awards, but also services and tips on career planning. There s also ScholarshipPoints.com, which uses a rewards system to determine the types of scholarships users best qualify for, as you earn points through a variety of activities. Not even sure where you re applying yet? Scholarships.com helps you narrow down scholarships and colleges that work best for you and your personalized needs. One important thing to keep in mind: You should never pay for scholarship advice. If you have to pay money to get money, it is probably a scam, says Kantrowitz. Never invest more than a postage stamp for information about scholarships or to apply for a scholarship. Once you know how much more you ll need, let us help you get the money you need for all of your educational needs. National Credit Union Youth Month Are you wild about savings? April is National Credit Union Youth Month. Now is a great time to bring your young one in and introduce them to the Police FCU family. We re here to help you launch the youth in your life toward financial independence, and here s how: Join. For starters, open a credit union savings account for each child in your family. As soon as your children can write, have them fill out deposit and withdrawal slips. Guide teenagers through using a debit card and tracking transactions. Share. Include your children in household money discussions. Show them how you budget income and expenses. As their skills improve, give them challenges such as finding a better cell phone plan, calculating the total monthly cost of owning a car, or sticking to a budget for back-to-school or holiday spending. Coach. Remind your children to ask for help when they need it. And turn to your credit union when you want help. Our tradition of service and philosophy of self-help make Police FCU and all credit unions a natural partner in pursuing financial security. We re here to help. For more information, contact us today! Youth Accounts Start Early and Teach Your Kids Financial Wellness It s never too early to start planning for your child s financial future, and Police FCU can help. A youth account is a great place for your young ones to manage money from summer jobs, allowance, birthday and other gift money. Now is a great time to teach your children about financial education, saving, spending, and budgeting. Parents, did you know: For your older children, 16 and 17 years of age, Police FCU offers a great way to prepare for the transition from high school to college. Consider setting up a Youth Checking Account here at the credit union. A Police FCU youth checking account can help: Develop good money management habits Financial responsibility Get on the road to financial independence Contact the credit union about starting your child on the road to savings today!

5 Police Federal Credit Union Headquarters and Branch Office 9100 Presidential Parkway Upper Marlboro, MD PRESORT STANDARD US POSTAGE PAID ORLANDO, FL PERMIT #4825 WHAT S INSIDE! Spring Into Action Auto Rates as low as 1.49% APR* Step Up To A Better Rate Share Certificate Introducing The Police FCU Personal Mobile Concierge It s time to SPRING INTO ACTION! AUTO RATES... as low as 1.49% APR1 See Inside for details! National Police Week In Honor of Police Week May Police FCU supports our men and women of law enforcement. We want to take time and acknowledge your commitment to your community and thank you for your service and sacrifice. Reminders Keep your information current. To avoid challenges in contacting you, please don t forget to let us know if you have updated your personal contact information name, address, , or phone number. Got Coins? In the midst of Spring cleaning and finding ready to get rid of your spare coins? Bring them to our MD branch, get them counted for FREE, and deposit the funds into your account!

6 Police Federal Credit Union Members Save Big with the Credit Union Member Discount Save on your monthly wireless bills plus have your activation and upgrade fees waived. Our members can save: 10% off* select personal Sprint plans Waived upgrade fee 15% off* select business Sprint plans Available to new and Waived activation fee on new activations existing Sprint customers Consider the Sprint Credit Union Member Discount one of the many perks for being a member! 3 Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save Click LoveMyCreditUnion.org/Sprint Visit your nearest Sprint store Stop overpaying for your wireless services, start saving with the Sprint Credit Union Member Discount today. *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Coming Soon! Sprig by CO-OP is a virtual credit union wallet-combining all the accounts you hold from any institution in the network together in one spot. It s as convenient as a laptop or smartphone and accessible anytime, day or night. You ll be able to access your accounts, make remote deposits, transfer between accounts, make person-to-person payments (in AND OUT of participating networks) -from virtually anywhere! Check out our website for more details on when this will be available! Police Federal Credit Union Headquarters and Branch Office 9100 Presidential Parkway Upper Marlboro, MD Branch Hours: 9:00 a.m. 4:00 p.m., M-F Drive-Thru Hours: 8:00 a.m. 6:00 p.m., M-F; 8:30 a.m. 12:30 p.m., Sat. Downtown DC Branch Office 300 Indiana Avenue NW, #4067 Washington, DC Branch Hours: 8:00 a.m. 3:00 p.m., M-F Phone: Audio Response Banking By Phone: Fax: Internet: Visit our website and click contact us. Please use the following address for all correspondence: Police Federal Credit Union 9100 Presidential Parkway Upper Marlboro, MD For current rates on Police FCU deposit and loan options, visit or call or 877-ARU-PFCU ( ) toll-free. Police FCU by the numbers As of February 28, 2015 Membership... 11,013 Assets... $141,856,165 Shares...$123,901,929 Loans... $ 72,876,926 AUTO INSURANCE YOU COULD SAVE UP TO $427.96* ON CAR INSURANCE Exclusively for credit union members Discounts on car insurance for: Credit union member discount Multi-car discount Anti-lock brakes Air bags, automatic seat belts Plus you get: 24/7 claims service 24-hour Roadside Emergency Assistance coverage** Guaranteed repairs at network shops AHL Call for your FREE, no obligation quote. Toll-free Visit us at TruStageAutoHome.com TruStage Auto & Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Figure reflects average national savings for customers who switched to Liberty Mutual s group auto and home program. Based on data collected between 9/1/2012 and 8/31/2013. Individual premiums and savings will vary. **Optional coverage. Requires the purchase of Towing and Labor coverage to cover cost of towing. Subject to policy limits. Emergency Roadside Assistance available anywhere in the U.S. and Canada. Surcharge-Free ATM Locations Visit for your nearest ATM or shared branch. DC First District 101 M St., SW Third District 1620 V St., NW Fourth District 6001 Georgia Ave., NW Fifth District 1805 Bladensburg Rd., NE Sixth District 4201 Benning Rd., NE Seventh District 2455 Alabama Ave., SE Henry J. Daly Building 300 Indiana Ave., NW Holiday Closings MD Upper Marlboro Police FCU Building 9100 Presidential Pkwy. Capitol Heights In the Hampton Mall, 9001 Central Ave. Rt. 214, Exit 15B off I-495 Marlow Heights, 4003 Branch Ave. 164 Shared Branches in the MD/DC/VA area: MD - 47, DC - 25, VA - 88 Nationwide: 5,000 + Memorial Day Monday, May 25, 2015 Independence Day Friday, July 3, 2015 (Observed) MD Drive-Up Services Only 8:30am-12:30pm Saturday, July 4, 2015 Serving Your Needs. Protecting Your Future.