POPA Federal Credit Union

* APR = Annual Percentage Rate. The advertised rate is our lowest rate available, effective as of 12/18/2024, this rate is subject to change without notice. HELOC features a variable rate based on the Prime Rate as published in The Wall Street Journal plus a margin. The APR is subject to change and may increase after consummation. The maximum APR is 18%. Minimum credit limit is $10,000; Maximum credit limit is $250,000. Maximum combined loan to value (CLTV) of up to 80%.

Closing costs range from $340 to $1400 to open a HELOC. Call us for details on how POPA FCU can pay all closing costs. Property insurance is required, and flood insurance is required where necessary. Consult a tax advisor regarding the deductibility of interest and charges. Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations may apply. NMLS # 852741.

* APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.

** Your rate may vary, based on your credit worthiness, between the APR range quoted above. Your APR may increase in the future. The APR will vary with the market based on the prime rate. APR for purchases, cash advances and balance transfers can range from 12.50% to 18.00%. POPA reserves the right to adjust the balance rewards prior to posting to account. The following benefits are included with your VISA Cash Rewards: auto rental collision damage waiver, roadside dispatch, cardholder inquiry service, emergency cash disbursement, emergency card replacement, lost/stolen card reporting, travel accident insurance $250,000 and travel emergency assistance. For full details about the card benefits, please refer to the disclosures that will accompany your Consumer Credit Card Agreement.

Payment example: $22.63 per month for every $1,000 borrowed as a Signature Loan at 12.74% APR with a 60 month term.

* APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on creditworthiness, term, and the amount financed. Rates and terms are subject to change without notice.

** The rates shown reflects a Relationship Benefits discount of 0.25% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment.

*** With a Share Secured loan, the total amount of money available as a loan to you is based on the amount that you currently keep in your share account and POPA will hold those funds until the balance of the loan is paid in full.

**** For amounts greater than $2,500 but up to $3,500, the borrower must be employed for more than 24 months and also have been a member of the credit union a minimum of 30 days at the time of application. The borrower must be employed by the Los Angeles County Sheriff’s Department or Los Angeles District Attorney Investigators at time of funding. Some restrictions may apply. Borrower must have a minimum direct deposit of $250 a month into an account at POPA FCU or, payroll deduction to make the required loan payments. Verification income (e.g. two recent paycheck stubs) is required. Rates, terms, and conditions are subject to change without notice. The minimum loan amount is $500. The maximum loan amount is $3,500. Terms available from 6 to 24 months. Payment example: For every $500 borrowed at 17.99% APR for 24 months, the monthly payment would be $25.12. The member may only have one (1) active POPA SHIELD Loan at any given time and must be the Primary Member on the account. Relationship Benefits are not applicable. POPA FCU does not accept online applications for SHIELD Loans.

Payment example: For a $1,000 Auto Loan for a term of 48 months with a 4.99% APR, the monthly payment will be $23.03. Extended terms are available (up to 96 months) at higher rates. 96 months are not available for Experian Fico scores 649 and below. Minimum loan amount finance of $50,000 is required for a 96 month extended term. Contact the credit union for details.

* APR=Annual Percentage Rate. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary, depending on credit worthiness, term, and the amount financed. Rates and terms are subject to change without notice.

** The rates shown reflects a Relationship Benefits discount of 0.25% for members with a POPA FCU direct deposit (Minimum $250 per month), or an automatic payment.