FAQs
What is debt protection and how does it work?
Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty. With Debt Protection, your loan balance or monthly loan payments will
What forms does a Cosigner need to fill out?
A cosigner needs to fill out the Cosigner Packet. Please contact the Credit Union for an electronic version of this packet.
Once I’ve been accepted to the High Caliber Program am I always a High Caliber member?
No, you must maintain the program requirements to continue in the program.
What happens if I stop using one of the products or services that qualified me for this program?
You will have six months to meet the requirements or you will no longer be enrolled in the High Caliber Program and you will lose
If my qualification for the program ends, do the rate discounts and incentives still apply?
If you no longer qualify and are no longer enrolled in the program, the incentives no longer apply to new products.
Am I still eligible for the High Caliber Program if the Debt Protection I purchased has expired?
Yes, but you must also maintain one of the requirements in this category to fulfill the High Caliber Program status.
What type of service is required to qualify for the High Caliber Program with TruStage?
You must have a current policy.
What does the personalized representative do for the member?
Representative assists member with all credit union transactions.
Which loans are eligible for the 0.25% High Caliber reduction?
New/used auto loans, motorcycle, share secured, and signature loans.
How can I have my direct deposit sent to the Credit Union?
Simply contact the Credit Union for a Direct Deposit Form!
What is National Police Credit Union’s BillPay address?
National Police Credit Union’s BillPay Address is: Chicago Patrolmen’s Federal Credit Union 1407 W. Washington Blvd., Chicago, IL 60607
Am I able to make transfers to my other bank or credit union accounts?
Yes! When you log into your National Police Credit Union online banking, you will click on the “Move Money” tab then use the “External Funds
Does National Police Credit Union guarantee the quality of content on external websites, also known as third party links?
National Police Credit Union does not endorse or guarantee third party links. Read our full policy here.
How do I sign up for online banking?
Get started today by entering your Member Number as your User ID. Read More
Holiday Closings
President’s DayMonday, February 21 Memorial DayMonday, May 30 Juneteenth DayMonday, June 20 (observed) Independence DayMonday, July 4 Labor DayMonday, September 5 Columbus DayMonday, October 10
How does National Police Credit Union use my personal information?
NPCU is a marketing division of Chicago Patrolmen’s Federal Credit Union. Our privacy disclosure notification is generated by CPFCU and can be read here.
How do I make a credit card balance transfer?
Contact the Credit Union for a Balance Transfer form.
What are common fees charged by National Police Credit Union?
See a complete list of our common fees.
What are my Audio Teller options?
Learn more about how to use the Audio Teller with this handy guide!
What is Mechanical Breakdown Protection?
Our Mechanical Breakdown Protection offering is called Route 66.
What is debt protection and how does it work?
Life and Disability Debt Protection allows you to safeguard your loan in times of uncertainty.
My contact information has changed. How do I update my contact information?
Please contact the Credit Union for an electronic version of the Member Update form.
What is an External Loan Transfer?
External Loan Transfer allows you to pay credit union loans from other financial institutions.
How is my share secured loan rate calculated?
Check out our Share Secured Loan page for more information.
What is GAP Coverage?
GAP is designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled). Brochures in English
What is Route 66 coverage?
It is the National Police Credit Union’s extended warranty option for vehicles.
How do I keep track of my purchases?
All transactions made with your debit card are listed on your monthly account statement.
Is using a debit card safe?
Absolutely! Whether you’re shopping on the Internet, by phone, or in person, you’ll have zero liability for unauthorized signature purchases.
I applied for a loan, but my loan status shows that I don’t have a loan applications on file. How can I check my loan status?
To check the status of your loan application, please call us at (844)267-7283 and select option 1 when prompted. Read More
What are National Police Credit Union’s Current Promotions?
Please view our current promotions.
How Does Write Your Own Ticket Work?
The financing period cannot exceed 84 months The member must have a credit score of 680 or above The amount borrowed cannot exceed $49,999.99 for
The dealership is offering great rates on Warranty and GAP. How can I use my Write Your Own Ticket (WYOT) check to purchase them?
You can purchase an extended warranty and GAP insurance through the credit union!
The dealer told me that using a Write Your Own Ticket (WYOT) check is not safe. Is this true?
No. Please be assured that utilizing the Write Your Own Ticket (WYOT) check is just as secure as using any other draft!
Can I use my Write Your Own Ticket (WYOT) check to purchase a pre-owned vehicle?
Yes, a Write Your Own Ticket check can be used for both New and Used Vehicles.
I purchased my vehicle recently and financed through another company. It still meets the new auto criteria. Can I use a Write Your Own Ticket (WYOT) check to refinance with the credit union?
No. At this time, the WYOT checks can only be made payable to a dealership, not a finance company.
What if my Write Your Own Ticket (WYOT) check expires?
If your WYOT check exceeds the 60 day time period allotted, you will need to re-apply for the loan.
My address recently changed. How should I provide updated information to the credit union?
Please contact the Credit Union for an electronic version of the Member Update form.
Can I apply for a Write Your Own Ticket (WYOT) check and purchase my car out of state?
Yes. You can complete an application online or through the Call Center at (844)267-7283.
The dealership will not accept my Write Your Own Ticket (WYOT) check. What should I do?
You will need to schedule an appointment and have your auto loan disbursed through our conventional method.
Are my family members eligible to join National Police Credit Union?
All immediate family members are eligible to join National Police Credit Union.
Does National Police Credit Union Have a Mobile app?
Yes! You can use our mobile app to check your account balances, view your account transaction history, transfer funds between eligible accounts, pay bills on
How do I get started with the mobile app?
To use the new Mobile App, you must be enrolled in our online banking service.
Where can I find the CO-OP Shared Branch information?
Check out our Locations page for more information!
What to do if a member dies?
A spouse, joint owner, beneficiary and/or any other individual must notify the credit union.
What if a member is called to Active Duty?
The member automatically qualifies for a reduction in their loan and/or credit card interest rate and deferment of monthly payment (if applicable).
Can I switch over to E-Statements?
Yes! Simply log in to your account to sign up for our easy, and eco-friendly e-statements.
How can my debit card help me handle my banking needs?
Your debit card gives you 24-hour banking convenience. Simply use your card to make deposits or withdrawals, check balances, or transfer funds between accounts. Read
Why is my Home Banking login sending me to a loan application page?
You did not access your Home Banking account in the last 60 days. To regain access, contact us at (844) 267-7283.
What is a Personal Identification Number (PIN)?
A PIN is a numeric code you enter to enable a transaction at an ATM or point-of-sale terminal.
Can I use my debit card to set up recurring bill payments?
Yes. To set up recurring bill payments, simply contact providers that send you bills on a regular basis and ask if they can bill your
What bill pay options are available?
You may pay your bills using your debit card at the biller’s website.
What do I do when the merchant says enter your PIN for a visa debit card purchase?
Tell the merchant you want to make a credit purchase and sign the receipt.
When I make a purchase, do I have to give the merchant personal information?
No. You may need to present identification to the merchant, however, no other personal banking information, such as your PIN or account balance, can be
Can I get cash back with my purchases?
Yes. Simply inquire if you can get cash back before the cashier calculates your purchase total.
What other benefits will I enjoy with my Visa debit card?
See our Visa debit card page for more information!
Where can I make purchases with my Visa Debit card?
Your debit card can be used to make purchases at more than 25 million places that accept Visa.
What is a debit card?
A debit card is like a credit card, except that it “debits” money directly from your checking account.
Can I use my Visa debit card for purchases without paying interest charges?
Yes. Since the money for your purchases comes directly from your checking account, there are no interest charges.
What happens if my National Police Credit Union Visa Credit or Debit Card is lost or stolen?
Please call the credit union at (844) COP-SAVE, or contact Visa directly.
Should I alert the credit union before I go out of town?
Yes, please contact the Credit Union for a Travel Exemption form.
What are your locations?
National Police Credit Union has locations in Tempe, Arizona, and Dallas, Texas as well as shared branching locations throughout the country.
Can I make transfers between two credit union accounts?
Yes. Please contact the Credit Union for a Cross-Account Transfer Authorization and/or Disclosure form.
How do I set up or adjust Overdraft Protection?
Set up Overdraft Protection by contacting the Credit Union.
Where do I find the Online Banking login?
The online banking login is on the top left of every page of the website, in the header. See a simple tutorial here to learn
Is there an easy way to pay my monthly loan payment or put extra money aside for something special?
Yes! You can set up a monthly transfer from your savings or checking account by filling out our Transfer Authorization Form.
How do I transfer money to another financial institution?
Please contact the Credit Union for an Outgoing Wire form.
Does National Police Credit Union have Online banking?
Yes! For information on online banking features and our mobile app features, visit our online banking page.
How do I transfer money into the credit union?
Incoming Wire Transfer Instructions provides the tools that you will need for wiring money into your account.
What is the National Police Credit Union Routing Number?
The National Police Credit Union Routing and Transit Number/ABA Number is: 271078146.
Do you carry or sell US savings bonds?
No, savings bonds must be purchased through the Treasury Direct website.
