High Caliber Program

Arm Yourself with Benefits!

A personalized representative and special rates are among the many perks of our 

High Caliber Program, which rewards members for taking advantage of multiple products and services. 

To qualify just lock up 3-1-2!

A Member must be utilizing at least 3 of these Credit Union products:

A Member must be doing business with, or have purchased from, 1 of these partners and/or services:

  • Gwen's Helping Hands
  • Debt Protection, GAP, MBP
  • Killed in the Line of Duty Loan Protection
  • TruStage


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    A Member must be using at least 2 of these services:

    • Digital Wallet
    • E-Statements
    • Mobile Banking
    • Online Banking

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    Program Benefits*:

    • A personalized representative to serve as your main point of contact.
    • A sequentially numbered program identification card.
    • Guaranteed same-day loan closings (subject to standard underwriting guidelines)**.
    • Additional .25% APY (Annual Percentage Yield) on all Share Certificates and IRA’s opened after qualifying for program.
    • Reduction of .25% APR (Annual Percentage Rate) on all eligible loans obtained after qualifying for program.

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    Apply Today!

    For additional questions regarding our High Caliber program, please call Lydia Hernandez at 312-499-8846.

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    Frequently Asked Questions

    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 all benefits and incentives associated with the program.

    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 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.

    The following is the Agreement between you and National Police Credit Union relating to your enrollment in the High Caliber Program. General terms affecting the High Caliber Program appear in this disclosure. General terms affecting your National Police Credit Union accounts appear in the Account Terms & Conditions disclosure.

    *If you discontinue the use of one of the products or services that qualify you for the program, a representative will reach out to you to advise you of the eligibility requirements to maintain High Caliber status. 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 all benefits and incentives associated with the Program. 

    **In order to qualify for a same day loan closing, you must apply by 1:00 PM CST. Once the application is processed your representative will contact you to schedule the loan closing. If the application is submitted after 1:00 PM CST you will be able to close the loan on the following business day.