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  • Your Recruit Advantage
Apply For Your Recruit Advantage

Your Recruit Advantage

It's easy and fast to apply for Your Recruit Advantage or Your Recruit Loan online!
 

I can’t recommend the police credit union enough. From day one of my policing career, I have used them for all of my personal banking needs and the big banks don’t even come close to the level of care put into their customer service. I will happily continue to bank with them for years to come.

Kaelen, Peel Regional Police Services
 

Apply for your Recruit Package

 

Membership eligibility

To be eligible for membership with The Police Credit Union the following requirements must be met:

  1. You must be 18 years of age or older and a resident of Ontario
  2. You must be an employee or retiree on pension from a police service in the Province of Ontario. Membership is also available to all employees of related police associations and police organizations in the Province of Ontario. Family members are welcome too.
Have these items ready to sign up:

  1. Valid ID (Passport, driver's license, government issued ID)
  2. Previous Address if at current address less than two years
  3. Previous Employment if at current employer less than two years
  4. Annual Income from all sources
  5. Assets and Liabilities (only required if applying for a lending product)
You will need approximately 15 minutes to complete the process, not to worry if you run out of time, as your application can be saved and completed at a later time. If you need assistance, please call our Member Solutions Centre at 1.800.561.2557.
 
 

READY TO JOIN THE POLICE CREDIT UNION?

CHOOSE FROM OUR REWARDS OR NON REWARDS OPTIONS SHOWN BELOW
 

Joining the Rewards Program

To join the Rewards Program, simply direct your full payroll or pension deposits to your Rewards Chequing account and process your day to day transactions for free. Or choose the Rewards Loyalty or Premium Rewards Chequing Accounts where depositing your payroll is optional but for a low monthly fee enjoy unlimited day to day transactions in addition to other perks shown below. You will also get our lowest interest rates on borrowing and our highest rates on savings and investments.

A chequing account will automatically be opened for all new members who apply for a Recruit Loan to facilitate the payment of your loan, your Financial Services Officer will reach out to discuss our chequing options and ensure we open the chequing account that best suits your chequing needs.

 
 

Choose Your Recruit Package

YOUR RECRUIT ADVANTAGE PACKAGE


A Special Offer Only For New Recruits Attending OPC
Account Type - Requires Full pay Auto Deposit and 1 Pre-Authorized Debit Set Up Premium Rewards Chequing account with unlimited e-transfers that is free for 2 years ($19.95 a month at a $478.80 value)
Line of Credit (Final Approval is Based on Meeting Standard Credit Approval Criteria) $5,000
Line of Credit Rate (variable) Prime +3.00%
Life, Disability and Critical Illness Insurance Optional
Overdraft Protection Up to $1,000
Personal Loan 1.00% Discount off Posted Rate

Exclusive Special Offers!

Vehicle Loan 5-Year 4.89% rate on 2024 and 2025 models
Term Deposits .10% bonus on posted rates
Mortgages 5- Year fixed rate high ratio as low as 3.99% if insured

I Want To Apply For My Recruit Advantage

YOUR RECRUIT LOAN PACKAGES


Rewards Package Most Popular Regular Package
Loan Amount $ Up to $15,000 Up to $15,000
Admin Fee $ No $145
Interest Rate 6.75% 9.25%
Life Insurance on Recruit Loan 5.75% 8.25%
Disability Insurance on Recruit Loan 5.75% 7.25%
Fully Insured Life & Disability on Recruit Loan 4.75% 6.75%
Overdraft Protection Up to $1,000 Up to $1,000
Line of Credit (Final Approval is Based on Meeting Standard Credit Approval Criteria) $5,000
Prime +3%
$5,000
At Regular Rate
Chequing Account Rewards Pay As You Go
Full Pay Into The Police Credit Union - Use as Primary Account Yes No
No Monthly Fee / No Minimum Balance Yes -
Unlimited Debit Transactions Including Pre-Authorized Items, Bill Payments, ATM Withdrawals and Deposits Via The Exchange Network Yes -
4 Free Interac E-Money Transfers Yes -
No Loan Application Fee & Discount on Loan Rate Yes -



Other Benefits

Savings Account Boost 0.10% -
GIC Rate Boost 0.10% -
Loan Rate Discount 1.00% -



I want to apply for:

Rewards Recruit Loan

Regular Recruit Loan

 

Have these items ready for sign up

Valid Identification

Valid ID

Can be a passport, driver's license or government issued ID
Previous Address

Previous Address

If you are at your current address for less than two years
Previous Employment

Previous Employment

If you're at your current employer for less than two years
Annual Income

Annual Income

Please have your annual income from all sources
Assets and Liabilities

Assets and Liabilities

This is only required if applying for a lending product
 

You will need approximately 30 minutes to complete the process, not to worry if you run out of time, as your application can be saved and completed later.  If you need assistance, please call our Member Solutions Centre at 1-800-561-2557.

 
 
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