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We will be performing Online Banking maintenance on Saturday, September 23 and Sunday, September 24. Maintenance will begin each night at 9:00 p.m. PST and end by 1:00 a.m. PST the following morning. During the maintenance windows, you may experience brief interruptions in service. 
Personal Loans

Overdraft Protection Loan

We all could use a little more peace of mind. SFPCU’s Overdraft Protection Loan provides it by covering the occasional overdrafts on your checking account that can happen to anyone. You can secure loan amounts up to $2,000 and funds will be transferred automatically to your checking account when an overdraft occurs.

SFPCU encourages responsible money management, but now you can stop worrying about overdrawing your checking account when you encounter a surprise expense or lose track of your withdrawals.

Apply Now

Features & Benefits

  • Low, competitive fixed rates
  • Loan amounts up to $2,000
  • No monthly service or usage fees
  • No collateral security required
  • Payment Protection available
Overdraft Protection Loan
Rates Effective: September 1, 2017
LoanLoan MaximumTermAPR As Low As*
Overdraft Protection$2,0001-36 months12.99%

* APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply for an SFPCU Overdraft Protection Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

  • Accessibility
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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