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
NOW THROUGH OCTOBER 30TH
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!
814-453-2540
**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 4.74%. Minimum loan amount $10,000. Other terms and conditions apply. Ends October 30, 2025
Fall is here and it's time to tell your
loan payment to CHILL!
Erie Police Federal Credit Union is offering you the option of skipping your Auto or Personal loan for the month of November.
Stop in, Call, or Email to get signed up!
814-453-2540 eriepolicefcu1@gmail.com
A $20 processing fee per loan is due at the time of request. This fee does not reduce the principle. See credit union for eligibility requirements and complete details.
All requests must be back to the Credit Union by Friday, October 24, 2025
Loan Rates
Erie Police Federal Credit Union
NEW LOANS RATES (Effective 9/18/2025)
New & Used Car
2026-2023 Model Year
24 months: 4.24%
36 months: 4.49%
48 months: 4.87%
60 months: 5.24% (Min. value of car $15,000)
72 months: 5.74% (Min. value of car $25,000)
84 months: 6.24% (Min. value of car $30,000)
Used Car
2022-2019 Model Year
24 months: 5.24%
36 months: 5.49%
48 months: 5.74%
60 months: 5.99% (Min. value of car $15,000)
72 months: 6.49% (Min. value of car $25,000)
84 months: 6.74% (Min. value of car $30,000)
Used Car
2018-2015 Model Year
24 months: 6.49%
36 months: 6.74%
48 months: 7.49%
60 months: 7.74% (Min. value of car $15,000)
Note: Cars older than 2014 model year minimum loan amount $5,000.00 @8.99%.
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 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
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
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.