Police Credit Union

Pulis Kredit Yunion: Weh Ih Kom Frou An Wat Ih Doin' Now

Di Trinidad an Tobago Pulis Kredit Yunion Ko-operativ Sosaiyati Limitid is wan feymas an wel-noan moni hos in Trinbago. Dem stat dis ko-operativ long taim ago, speshali pan di 12t a Oktohbar, 1956, rait dey at di ol Pulis Hedkwartaz in Poht a Speyn. Di mein riyzon dem stat ih den is fi help di pulis ofisa dem in Trinbago wid dem moni bizniz, fi mek shor dem kian sef an boro in wan plies weh dem trus. Frou dat taim til now, ih gro big an strong, an ih is wan a di biggis kredit yunion dem in di kountri.

Fas taim, onli pulis ofisa kooda join, so ih waz laik wan speshial plies fi dem. But as taim go bai, di Pulis Kredit Yunion riyalaiz dat plenty adah pipol in Trinbago need di kaina help weh dem doh gi, so dem opn op di do fi sivilian tu. Now, even if yuh not a pulis ofisa, yuh kian stil join an get all di benefits. Still, pulis ofisa dem is di mayjoriti, bout siksti persen a di memba dem, but sivilian dem doh kom in strong tu.

Di Pulis Kredit Yunion is not laik wan regyula bank. Ih is wan ko-operativ. Dat min ih belongst to di memba dem. Evriwan weh get wan akaunt an sef moni dey is wan memba an get wan vot at di big mitin dem weh dem doh hol evri yier, di Enual Jeneral Mitin. Dis mek shor dat di Pulis Kredit Yunion doh wuk fi di memba dem benifit, not juss fi mek big profit. Di mein ting dem want is fi mek shor dat di memba dem kian aksess lan weh ent tuu ekspensiv, fi help dem bil op dem moni, an fi mek shor dem fiyel gud wid dem moni bizniz.

Di pipl weh doh ron di Pulis Kredit Yunion is wan groop a smart an ekspiyriyens pipol. Di Prezident is Mistar Filip A. Wilsin, weh is wan laiya an wan faama Pulis Inpekta. Di Vais Prezident is Mis Ingrid Makswehl, an di Trejara is Mistar Alekzanda Prins, weh waz wan faama Majistret. Dem an di adah direkta dem, wid di Ekzekyutiv an Supavaizari Komiti, doh mek shor di Kredit Yunion doh wuk gud an fi di benifit a evri memba.

Lan Dem Pulis Kredit Yunion Doh Gif: Di Difrent Kaina Wan

Pulis Kredit Yunion doh ofa plenti difrent kaina lan fi fiks difrent kaina niyed weh memba dem kian get. Dem get mo dan fiftiin difrent lan. No matta if yuh want lan fi wan imerjensi, fi bai wan kaar, fi go vakeshon, or fi bil wan hos, dem get somting fi yuh:

• Sof Lan: Dis is fi imerjensi, wen yuh need moni kwik fi wan unekspektid situyueshon.
• Pasonal Lan: Yuh kian boro op to tuu taims yuh sher kapital. Dis is fi jenaral niyed.
• Vehikl Lan: If yuh want bai wan nyuu kaar or wan yuz kaar, dem kian help yuh.
• Sher Insentiv Lan: Dis is wan speshial lan fi help yuh bil op yuh sherz in di Kredit Yunion.
• Vakeshon an Lejha Lan: Fi go on wan trip, relaks, or enjoi yuhself.
• Bajet Lan Organaiza: Dis lan doh help yuh manij yuh moni beta.
• Krismas Lan: Speshali fi di Krismas taim, frou Oktohbar to Disemba.
• Ekiti (Riyal Isteit) Lan: Dis is fi wen yuh get land or hos an yuh want boro moni agenst ih.
• Edukeshon Lan: Fi pey fi yuh stuudi or yuh chilren stuudi.
• Bak Pey Lan: Yuh kian boro op to trii taims yuh nyuu sher balans agenst yuh bak pey.
• Konsyuma Lan: Fi bai tingz fi yuh hos, aparans, or adah pasonal item.
• PCU Welkom Lan: Dis is fi nyuu memba or memba weh bin inaktiv fi wan wail.
• Fri Yuhself Lan: Dis wan is fi konsolideit yuh det, so yuh kian put all yuh lan dem in wan plies.
• PCU Wedin Lan: Fi help yuh pey fi yuh wedin.
• Fuli Sekyur Lan: Dis is wan lan weh yuh get plenty kolataral fi.
• Dividen Maltiplaiya Lan: Fi help yuh gro yuh diviends.

Di lan amoun dem kian rang frou wan touzan TTD (TT$1,000) op to plenti milion TTD (TT$5,000,000+). Di eksak amoun weh yuh kian get doh dipen pan di kaina lan yuh aksin' fi an yuh moni situyueshon. Di entres reit dem kian dipen tu, but dem doh rang frou six persen (6.0%) fi lan weh sekyur wid hos or land, op to twenti-fo persen (24%) fi lan weh ent sekyur. Di kondeeshon fi pey bak kian be shaat-term, laik trii to twelv monts, or long-term, op to twenti yierz fi hos an land lan. Evriting doh dipen pan di kaina lan yuh tek.

Fi An Adah Peyment Dem

Wen yuh takin' lan, dem get som fi an adah peyment dem:

• Staat-op/Prosesin Fi: Dem doh chaaj wan persen (1%) a di lan amoun, wid wan minimom a fipti TTD (TT$50).
• Liet Peyment Fi: If yuh pey liet, yuh kian get chaaj tuu persen (2%) a di amoun weh du.
• Pripayment Penalti: Gud nyuz, dem doh chaaj yuh notin if yuh decide fi pey off yuh lan bifor taim!
• Adah Chaaj Dem: If yuh need fotokopi, kouriya sevis, or if yuh kais need laiya, dem kian chaaj yuh fi dat tu.

Fi som lan, yuh might need fi put op kolataral. Dat kian be yuh sher kapital, wan garantor, yuh kaar papaz, yuh hos or land, or adah tingz weh di Kredit Yunion apruv.

Kiman Yuh Kian Get Lan An Di Telifoun Ap

Di Pulis Kredit Yunion doh mek ih izi fi memba dem aply fi lan an manij dem akaunt. Yuh get difrent weh fi du ih:

Kiman Yuh Aply Fi Lan

Yuh get tuu mayn weh fi aply:

1. Intanet: Yuh kian go on dem websait an daunlod di aplykeshon foom. Yuh fil ih out an folo di instrokshon dem.
2. Branch Ofis Dem: Dem get fo branch ofis pliesiz in Trinbago: wan in Poht a Speyn, wan in Baratariya, wan in San Fenando, an wan in Tabago. Yuh kian go dey in pason fi aply.

Wen yuh aply, yuh go need fi gi dem som dokyument fi let dem no hu yuh are an if yuh kian pey bak di lan. Dis is wat dem doh kaal KYC (No Yuh Klaiyent):

• Identifikayshon: Tuu kaina govament aidii, laik yuh nayshonal aidii kaad, dravin laisens, or paspoht.
• Inkohm Proof: Yuh mos gi dem yuh mo resen peyslip (not olah dan trii monts), or if yuh wuk fi yuhself, yuh income staitment.
• Adres Proof: Wan yutliti bil (laik T&TEC or WASA) or wan rent agriyment fi sho weh yuh doh liv.

Fi join di Kredit Yunion, yuh get som smal fi:

• Entrans Fi: TT$10
• Sher Dipozit: TT$100
• Groop Laif Insyurans: TT$50

Afta yuh aply, di Kredi Komiti doh luk at yuh kais. Dem doh luk at yuh moni situyueshon an if yuh kian pey bak di lan. Dem doh yuz wan ting kaal Det Servis Raysho (DSR) weh mos be les dan fohti persen (40%). Somtaim dem doh yuz wan otomatik sistem, but if yuh kais iz difrent, dem doh review ih bai han. Yuh might get wan intavyu wid di kredi komiti tu, weh kian las bout fohti-faiv minits.

Di Mobil Ap

Di Pulis Kredit Yunion get wan mobil ap fi yuh fon, weh yuh kian daunlod frou di Apl Stor (fi Aiyos fon) or Googol Pley Stor (fi Andrayd fon). Di ap is popyula, wid mo dan ten touzan (10,000) daunlod an get gud rating, bout fo point tuu (4.2) staar on Googol Pley. Fi yuz di ap, yuh fon mos be Aiyos fifteeen (iOS 15) an op, or Andrayd eit (Android 8) an op.

Di ap get plenty gud tingz fi mek yuh moni bizniz izi:

• Akaunt Balans: Yuh kian si ha much moni yuh get in yuh akaunt.
• Transakshon Histari: Yuh kian luk at all di tingz yuh bin doh wid yuh moni.
• Moni Transfa: Yuh kian muv moni frou yuh dipozit akaunt to yuh LINCU kaad.
• I-Staitment an Alet Dem: Yuh kian get yuh staitment bai imeil an get notifikayshon wen tingz doh hapn wid yuh akaunt.
• Baiometrik Login: Yuh kian yuz yuh finggaprint or fies aidii fi log in, an dem get adah sekryuriti tingz tu.

Pipol doh say di ap iz izi fi yuz, but somtaim dem get smal probz wid log in. On di Apl Stor, di rating iz a bit hiyara, bout fo point faiv (4.5) staar, an pipol doh kompliement di stabilitti an di alet dem.

Kiman Dem Stan Op Agenst Di Res An Advais Fi Yuh

Di Pulis Kredit Yunion is not wan bank, but ih is wan regulaitid moni instityuushon. Di Minisri a Agrikolcha, Lan an Fishari doh supavaiz dem unda di Ko-operativ Sosaiyati Akt. Dem doh get regyula odits an doh sen in ripoht evri yier fi mek shor dem doh folo di ruulz. Dem get konsyuma protekshon in plies tu, an yuh kian go to wan Ombudsman if yuh get wan prob. No wan doh ripoht dat dem get eni big penalti frou di govament.

Weh Dem Stan Op In Di Maakit

Di Pulis Kredit Yunion is wan a di tap faiv (5) kredit yunion dem in Trinbago, wen yuh luk at di amoun a aset dem get, weh is bout tuu bilion TTD (TT$2 bilion). Dis is big moni! Di mayn ting weh mek dem difrent frou di adah wan dem is dat dem bin staat out speshali fi di pulis komyunity. Dem get speshial agriyment fi salri didakshon wid di Pulis Servis, weh mek ih izi fi memba dem pey bak dem lan. Dem ofa gud reit tu, speshali fi lan weh sekyur wid sherz.

Dem get kumpitishon frou adah big pliesiz laik Desjaadins (weh is in T&T tu), Jamaika Nashonal (weh is wan branch), an adah kredit yunion dem in Trinbago. But di Pulis Kredit Yunion stil hol dem groun strong. Dem plan fi gro mo tu, wid wan nyuu branch in San Fenando in 2024, an dem doh plan fi launch wan dijital walet in 2026. Dem doh wuk wid LINCU fi peyment, CUNA Indeniti Plan, an di Karibiyan Kredit Yunion Lig.

Wat Pipol Say An Koman Di Servis Iz

Pipol weh yuz di Pulis Kredit Yunion ap an sevis dem doh get difrent tingz fi say. On Googol Pley, di ap get fo point tuu (4.2) staar, an pipol doh praiz ih fi ha much ih izi fi yuz, but somtaim dem get smal ishyu wid log in. On di Apl Stor, ih get fo point faiv (4.5) staar, an pipol doh say ih stabil an di alet dem gud. Komplent dem kian be bout di ap somtaim doh go doun, an di waitin taim fi intavyu in di branch, an somtaim dokyument kian tek lang fi proses, speshali wen plenty pipol doh aply fi lan.

Di Pulis Kredit Yunion get wan 24/7 kol senta, imeil, an wan laiv chat on dem websait. On avarej, yuh doh wait bout tuu minits fi get tru, an eiti-eit persen (88%) a di taim, dem doh fiks yuh prob di fas taim yuh kol.

Dem doh help plenty pipol. In 2023, dem bin fainans tuenti-faiv milion TTD (TT$25 milion) in lan fi pulis hos. An in 2024, mo dan wan touzan faiv hunderd (1,500) memba dem bin get help wid edukeshan lan. Dis sho dat dem doh truli wuk fi help dem memba.

Praktikal Advais Fi Yuh Weh Wan Boro

If yuh tinkin' bout takin' wan lan frou Pulis Kredit Yunion, hiyara som tingz fi tink bout:

1. Bil Yuh Sherz: Sins plenty lan doh dipen pan yuh sher kapital, ih is wan gud aidii fi konstantli sef moni an bil op yuh sherz. Di mo sherz yuh get, di mo yuh kian boro.
2. Get Yuh Dokyument Redi: Bifor yuh aply, mek shor yuh get all yuh aidii, peyslip, an adres proof. Dis go mek di proses faser.
3. No Yuh Det Servis Raysho: Try fi mek shor yuh det peyment dem ent tuu big kumpair to yuh inkohm. Di Kredit Yunion doh luk fi wan DSR a fohti persen (40%) or les. If yuh DSR is hiyara, dem might refyuz yuh lan or aks yuh fi pey doun som det fas.
4. Yuz Di Ap Smart: Daunlod di mobil ap an yuz ih fi chek yuh akaunt, transfer moni, an get alet. Dat go help yuh stay pan tap a yuh moni bizniz.
5. Aks Kweshyon Dem: If yuh ent klir bout eni lan, reit, or fi, don fraid fi aks. Di Kredit Yunion doh say dem transparan, so dem should ansa yuh kweshyon dem klirli.
6. Konsida Det Konsolideshon: If yuh get plenty smal lan difrent pliesiz, di "Fri Yuhself Lan" kian be wan gud opyon fi put all dem in wan, weh kian mek ih izi fi manij an somtaim yuh pey less entres.

Di Pulis Kredit Yunion is wan solid choyz fi pipol in Trinbago weh want wan truswodi plies fi sef an boro moni. Wid dem lang hishtari, di difrent kaina lan dem ofa, an di efot dem doh put in di dijital weh, dem grovin' strong an doh kontinuu fi help plenty a wi pipol mek dem moni situyueshon beta.