Serving Those Who Serve Us.

A Quick, Simple, Immediate, Confidential Loan Application Process.


Here’s how it works:

1. Click on the “GET STARTED” Link.

2. Complete the Online Application (this takes 15 to 20 minutes).

3. Your personal loan agent will review and call you within 10 minutes.

4. Get your approved loan processed the next business day.

5. Before you start, you need:

 a.  Member Numbers
 b.  Social Security Numbers
 c.  Employment Information
 d.  Salary
 e.  Other Income
 f.   Financial obligations
 g.  Loans
 h.  Existing rates on secured loans
 i.   Assets
 j.   References

Serving Those Who Serve Us

As a financial service company, C.A.H.P. Credit Union’s success resides first and foremost in the quality and commitment of our staff and the service they provide. The Credit Union’s dedication to member service has, and always will be, our highest priority and the key to continuing success. This credit union is unique because we do not have any plans to serve the general public. Our members appreciate having a common bond with other members and C.A.H.P. Credit Union will always be: “The Quality Financial Service Choice for Public Safety Families.”

Membership in C.A.H.P. Credit Union means becoming part of a very special financial family. Brought together by the common bond of public safety, our members use their combined financial strength to benefit each other.

CAHPCU offers financial products and services designed to meet the needs of the active and retired public safety personnel:

  • Bank-busting share rates
  • Low rates on Auto, Home, RV, and Motorcycle loans
  • Access to 28,000 surcharge-free CO-OP ATMs
  • Each account insured through American Share Insurance (ASI) for up to $500,000
  • Free Online Banking
  • Free Bill-Pay
  • VISA Credit Cards with low fixed-rates
  • Tiered dividends
  • Fewer & lower fees
  • Direct Deposit and Payroll Deduction
  • Quick lending decisions
  • CAHPCU Staff answer the phones
  • VISA Debit Card
  • And more…

History of The C.A.H.P. Credit Union

The Credit Union began on February 14, 1969, when five founding members (later to become directors) petitioned and were approved by the California Department of Financial Institutions (then, the Department of Corporations) to form C.A.H.P. Credit Union.

The C.A.H.P. Credit Union’s initial field of membership was expressly reserved for employees and members of the California Association of Highway Patrolmen (the Association). This field of membership served as the vehicle for the creation and design of our distinctive logo. The Credit Union’s bylaws were presented and adopted on February 17, 1969.

For years, our headquarters (North Office) were located at 1408 5th Street in Sacramento, which we shared with the Association. In time, the office moved to 8th and L Street, which was also shared with the Association. During our first seven years, the Sacramento office served the entire membership across the state. In October 1977, the Credit Union purchased the land at 2843 Manlove Road in Sacramento and developed it to be the Corporate Headquarters. In 1995, a remodel to the building was completed and 3500 square feet was added. This remains the corporate headquarters.

In 1976, the Credit Union leased office space for its first branch office in Southern California (South Office) to serve the southern membership base. In the spring of 1982, spurred by demand and growth, the branch office was moved from West Covina to San Dimas. That space was quickly outgrown and the branch office was relocated again in the summer of 1987. In the spring of 1997, the need for additional space in Southern California spurred the remodel and another move to a new office in San Dimas. During the past few years, the C.A.H.P. Credit Union saw an opportunity to better serve our officers with a more convenient location while also creating a state of the art branch office. We were excited to celebrate the grand opening of our newest branch on August 29, 2012 (click here to view the grand opening celebration video). Our Southern California branch is now located at 9471 Pittsburgh Avenue, Rancho Cucamonga.

Over time, the membership field expanded to include the employees (dispatchers, secretaries, janitors, etc,) of the Highway Patrol and their families. Later, the West Sacramento Police Officers and the Sacramento Firefighters Local 522 and their employees and family members were added. In 1990, the Credit Union volunteers and management decided it was time for the Credit Union to grow. In order to do that, the field of membership needed to expand to allow additional select employee groups (SEGs) to join.

Still keeping with the idea of serving public safety families around the state, in 1991 the field of membership was expanded to include the Peace Officers Research Association of California (PORAC), which serves many Police and Sheriff’s associations throughout the State. PORAC currently serves over 58,000 members who, by virtue of their membership in PORAC, are eligible for membership at C.A.H.P. Credit Union. The Credit Union now also serves a number of organizations associated with public safety around the state.

The C.A.H.P. Credit Union is committed to providing our members with the personal service they expect and deserve. We strive to provide you with the information you need as quickly and accurately as possible. If you have a general inquiry or comment please submit the form below.

Security Reminder: Please use the C.A.H.P. Credit Union secure messaging portal within @ccess-24 Home Banking for any communications that include sensitive personal information such as account numbers or your SSN. Messages sent to @ccess-24 or through secure messages in Home Banking will receive a reply within one business day. If you have not already registered for our FREE home banking product, please send an e-mail for registration assistance. For your protection, please do not send personal or confidential information through any unsecured methods.

For your convenience, you may contact us directly.

By Phone:

General Inquiries: 800.542.2247

By Unsecured E-mail:

If you have a general inquiry or comment and would like to submit the query via e-mail you may do so by sending an e-mail to: access-24@cahpcu.org

Please do not include any personal or confidential information in the subject or body of the e-mail.

By Mail:

C.A.H.P. Credit Union

PO Box 276507

Sacramento, CA 95827

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Branch Information

North Office South Office
C.A.H.P. Credit Union C.A.H.P. Credit Union
2843 Manlove Road 9471 Pittsburgh Avenue
PO Box 276507
Sacramento, CA 95827 Rancho Cucamonga, CA 91730
Phone (Toll-free): 800.542.2247 Phone (Toll-free): 800.451.2247
Fax: 916.362.1399 Fax: 909.919.7207

Branch Business Hours

Monday – Friday 8:00 a.m. to 4:30 p.m.
Closed on all Federal Holidays

Our Commitment to our Members

We at C.A.H.P. Credit Union value the privacy of our members. You have chosen to do business with us, and we recognize our responsibility to keep the information you provide to us secure and confidential. We believe that all personal financial information specific to you that you provide to C.A.H.P. Credit Union through any channel constitutes personal information. Protecting your privacy, along with your financial assets is our top priority. C.A.H.P. Credit Union is committed to servicing all the financial needs of its members. As a service to you, our member, we may share information to select third parties that can offer valuable products and services that may interest you. When we share information with other parties for marketing purposes, you can expect them to treat it with the same strict standards as your credit union.

This privacy policy explains how we protect the privacy of your personal information and when we release information about you under certain situations, such as to maintain your account or other circumstances as required or permitted by law.

Information We Collect and Disclose to Others

In the course of doing business, we collect and use various types of information, such as information available from public records and consumer credit reports, as well as information your provide to us. We may also access information about you, such as accessing your consumer credit report, when considering a request from you for additional services or when exercising our rights under the law or any agreement with you. In addition, we collect information about you from the following sources:

Information we receive from you on applications and other forms you submit to us, such as your name, address, and social security number.

Information about your transactions with us, our affiliates or others, such as account balances and payment history.

Information we receive from credit reporting agencies, such as your credit worthiness and credit history.

We may disclose all of the information that we collect as described above. We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

Sharing Information with Third Parties

We may disclose nonpublic personal information about you to nonaffiliated third party processors as necessary to complete your transactions, maintain your accounts and records, and as permitted or required by law.

We may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as insurance companies and mortgage service companies

Non-financial service companies, such as consumer reporting agencies, data processors, check printers, financial statement publishers/printers, plastic card processors, direct marketers, government agencies, and mail houses.

We may also disclose all of the information we collect as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements and as permitted or required by law.

Confidentiality and Security of Information

Keeping your financial information secure is an important responsibility that is taken seriously at C.A.H.P. Credit Union. We value your trust and handle your information with care. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our policies and procedures emphasize the importance of keeping our members’ information confidential. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard you nonpublic personal information.

Accuracy of Information

We make every effort to ensure that our records contain accurate, current and complete information. If you find that your account information is inaccurate, please call us at 800.542.2247 or write us at p. o. Box 276507, Sacramento, CA 95827-6507. We will promptly investigate and make any necessary changes to update our records.

Termination of Membership

If you decide to terminate your membership with C.A.H.P. Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

Privacy Choices

As a member of C.A.H.P. Credit Union you are provided with rights to opt-out of information sharing. If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt-out of disclosures to nonaffiliated third parties, you may do so by calling the following toll-free number: 800.542.2247, or by completing and e-mailing the opt-out notice.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products and Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

Member Update: Before our staff respond to questions regarding your specific accounts or activity, we are obligated to find workable ways to ensure the person we are dealing with is who he or she says, specifically is the person who purports to be a member really that member.

Our staff will ask the caller questions that only the actual member should be able to answer correctly. This security measure is gaining popularity and commonly referred to as “out of wallet” questions. Effectively weeding out pretext callers and blocking account takeovers requires this more creative approach. We will ask callers something only the true member is likely to know – not a piece of data that can be gained from a stolen wallet or a little research on the Internet.

We apologize for any inconvenience this may cause, but in today’s environment we must do all we can to keep our members’ financial information secure. To learn more on how to protect yourself from identity theft or other criminal fraud, please visit Resources and review the growing library of Fraud & Security related information.