P.O. Box 10188
Van Nuys, CA 91410-0188
RETURN SERVICE REQUESTED
I have been a member for 54+ years. They have been dependable through all of life’s ups and downs, providing great service, fair rates, and financial opportunities. Keep up the great work!
- Robert S.
Take control of your finances with a low-interest home equity line of credit (HELOC). You’ll have the flexibility to borrow what you need, when you need it—to save on interest and get you closer to your financial goals. It’s a smart, affordable way to:
3 Consolidate high-interest debt into one low payment
3 Upgrade or repair your home for long-term value
here for you—just as they’ve always been. Call today for
3 Pay property or income taxes
3 Create a safety net for emergencies
3 Fund a large project or event over time
3 Pay for ANY need
How It Works
A HELOC is an open-ended credit line secured by your home’s equity (current value minus the amount you owe). Borrow up to 80% of your home’s value and get interestonly payments for the first 10 years, with no closing costs or fees. This flexible, cost-effective tool helps you build a better future. Visit lapfcu.org/home-equity.
Questions? We can help determine if a HELOC is right for you. Call us at (877) 695-2732.
rate date of November 18, 2024) based on your loan amount. The APR does not include costs other than interest. Loan amounts
range from a minimum of $25,000 to a maximum of $1 million, there is a minimum draw of $5,000 at funding, and up to maximum combined
and a maximum rate cap of 18%. Property hazard insurance is required. Closing costs are waived for loan amounts of $250,000 or less. For loan amounts greater than $250,000, the estimated closing costs can range from $2,000 to $3,000 depending on the loan amount. Fees apply for member-requested services, such as mobile notary, title changes, and solar documents on home equity lines of credit for amounts that are less than $250,000. All loans are subject to creditworthiness. $500.00 fee for early termination if closed prior to two (2)
(10-year
We’re thrilled to announce that LAPFCU now serves law enforcement agencies throughout Southern California—from San Luis Obispo down to the southern border.
LAPFCU started out with a handful of officers taking up a collection of funds during The Great Depression. With our members’ trust, loyalty, and support, today we are 46,000 members strong with over $1.3 billion in assets.
Our mission has always been clear: to be the premier financial institution for law enforcement. Guided by this mission, we developed a strategic plan focused on growth resulting from products and services designed for law enforcement’s unique needs, paired with a commitment to service excellence. This vision includes expanding our geographic reach to more law enforcement agencies. Today we are proud to see this plan become a reality. Our expanded capacity allows us to serve more members while staying true to our purpose—being a trusted partner and advocate for the law enforcement community.
The Credit Union is committed to protecting our members’ financial well-being and advocating for them as a partner dedicated to their best interests. Members can trust that with nearly 90 years of exclusively serving law enforcement, we have the unmatched experience, expertise, and product line to understand and fulfill their financial needs better than anyone else.
We now welcome employees of federal, state, county, and municipal (city) law enforcement agencies.
n Federal
n State
n County
n Municipal (City)
n Imperial
n Kern
n Los Angeles
n Orange
n Riverside
n San Bernardino
n San Diego
n San Luis Obispo
n Santa Barbara
n Ventura
n Active duty and retired sworn law enforcement
n Active duty and retired civilian professionals
n Volunteers, including Cadets and Explorers
n Immediate family and household members
Now, more people can benefit from our convenient, personalized service, competitive rates and fees, and unique programs tailored to law enforcement. Our new, improved mobile and online banking make it easier than ever to fully benefit from LAPFCU membership anytime, anywhere. We can also sponsor and financially support more law enforcement agencies, events, and organizations. While we are excited about our growth and extended services, we want to be very clear that our growth will never come at the expense of compromising the level of service you deserve and expect from us. Whether you visit a branch, call, or bank online, you will receive the highest levels of service and respect.
None of this is possible without your continued support, trust, and active participation in the Credit Union. We are truly humbled and honored to serve you. You have our deepest thanks for helping us fulfill our mission, as together, we improve the law enforcement community’s financial well-being and quality of life.
SECURITY TIP LAPFCU will never call, email, or text you to ask for your personal or account information. For more safety tips, visit lapfcu.org/security. If you have a fraud-related question or need to report fraud on your account, call us immediately at (877) 695-2732. Stay vigilant!
Start 2025 with a clear financial plan. Whether you’re setting goals or need guidance to stay on track, our in-house Financial Advisor, Patrick Infante (CUSO Financial Services, L.P.*), is here to help. He can assist with:
n Setting or reviewing financial goals
n Retirement and investment planning
n Planning for milestones
n Diversifying assets
n DROP rollovers
n Tax-friendly strategies
n Choosing life and healthcare insurance
Schedule a complimentary, no obligation consultation with Patrick today!
PATRICK INFANTE Financial Advisor
CUSO Financial Services, L.P. (818) 464-2071 pinfante.cfsinvest@lapfcu.org
* Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”) a registered brokerdealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS for investment services. Atria
If you’re struggling with high-interest credit card payments, take control of your finances with our limited-time offer, 0.00% APR for 12 months on balance transfers. High-interest credit cards cost you more than you realize. Transfer your balances to an LAPFCU credit card to:
n Save money with no interest the first year
n Simplify your payments into one account
n Pay down debt faster and achieve your financial goals sooner
Log in to our app or online banking at lapfcu.org. Go to: My Cards > My Card Info > Choose your card > Account Services > Balance Transfer.
Offer available January 1 through April 30, 2025. For assistance, call us at (877) 695-2732. NO INTEREST FOR ONE YEAR! *