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Welcome to the Retired Peace Officers Association of California. (RPOAC)

We at RPOAC would like to take a few moments to introduce you to our website and our association.

Visit us on our social media sites!

Our Mission

RPOAC's mission is to provide a voice on the State and Federal levels for our members. We lobby for our members to ensure benefits are not lost. To provide the best insurance options available for our members. To provide information and communication between members for the betterment of all members.

Some of our main objectives are:
  • To provide a voice on the state and federal levels in all areas that may affect our members including lobbying on behalf of our members to ensure that benefits are not lost or eroded.
  • To provide the best insurance options available to our members. (Get a free comparison of benefits by calling our insurance professionals at Pacific Financial Designs: 1-800-733-4487).
  • To provide information and communication between the members for the betterment of all members.

As a member of RPOAC you will be eligible to utilize any of numerous insurance plans and benefits. Please explore our website to see what we have to offer. We encourage you to complete the online membership application form along with your online credit card payment for dues to become a member of RPOAC.

Thank you for your attention and please contact us at 1-800-743-7622 if you have further questions or need additional information.

Fraternally,

Alex Bernard
President, RPOAC

RPOAC...Who Are We? Play the video to find out.

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RPOAC Chapter Meetings & Elections Coming!

Your local RPOAC Chapter will be holding their Biennial member's meeting this year. They will also be conducting elections for Chapter Director.  Members are encouraged to attend to meet your current Director and participate in the election process.

Members unable to attend will be able to submit a proxy ballot. Watch your mail and this website for details of when and where your specific Chapter meeting will be held.

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Attorney Seeks Experts to Testify in Sheriff's Cases!

If you are a former Los Angeles County Sheriff's Deputy and would be interested in providing expert testimony, please read this letter.

A membership with RPOAC gives you access to a wide variety of insurances and other programs through our benefits administrator - Pacific Financial Designs, including:

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CLICK HERE TO VISIT OUR BENEFITS PAGE FOR MORE INFO ON THESE OFFERINGS

We also offer great rates on Medical, Dental, Long-Term Care, Optical, Life and many others insurances.

Contact our Benefits Manager, Shane Cobb at (800) 733-4487 for more details.

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In our Benefits Spotlight we will look deeper into one of the many benefits available to our members. Today's pick:

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Established in 1998...

For over 25 years, it has been a pleasure to help dedicated first responders and their families achieve home ownership. We provide services to ALADS, SEBA, AOCDS, PORAC, RSA, IBEW LOCAL 11 and several other unions and associations. We want to assure all our clients that you will receive high-quality service that fulfills your needs, from start to finish. Union Choice makes it easy with our efficient automated approval and paperless loan process. Our members are guided every step of the way, from securing a loan to finally walking through the door of your home. Our focus is on closing your loans quickly and efficiently. We are proud to offer excellent interest rates, flexible loan products and exceptional customer service. The day you call is the day we can approve and lock in the interest rate of your home loan.

Conventional Mortgage

Conventional mortgages keep the same interest rate over the life of your loan, which means your monthly mortgage payment always stays the same. Conventional loans typically come in terms of 15 years, 20 years or 30 years.

VA Home Loan

VA helps servicemembers, veterans and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain or adapt a home for your own personal occupancy.

FHA Mortgage

An FHA loan is a mortgage insured by the Federal Housing Administration. Allowing down payments as low as 3.5%, FHA loans are helpful for buyers with limited savings or lower credit scores.

30-Year Fixed

A 30-year fixed-rate mortgage is a home loan that maintains the same interest rate and monthly principal-and-interest payment over the 30-year loan period. With a rate that lasts the length of the loan, you’ll want the best rate you can get. Since your rate is most directly impacted by your credit score and down payment, you’ll want to make sure your credit file is accurate — and make a down payment that’s as much as you can easily afford.

15-Year Fixed

You can save money and build home equity faster with a 15-year mortgage than with a 30-year mortgage. But the monthly mortgage payment will be higher on a 15-year mortgage because there is less time to pay off the loan.

Here are some of the questions we are asked most frequently.

What is a FICO score?

A: FICO score is a credit score derived from the credit model developed by Fair Isaac Corporation. The FICO score is the best-known credit score in the United States, and a version of the FICO score is calculated by all three of the major credit bureaus from reported information. A higher FICO score indicates better credit, and a FICO score below 600 is considered poor. The most important factor in determining a FICO score is past payment punctuality. The percentage of credit limit used is another critical parameter in the FICO score models, with a penalty for using too much of available credit. These two factors are given a total weight of around two-thirds in determining the typical individual’s FICO score. Other major FICO score variables include length of credit history and types of credit used. Bankruptcy, foreclosure, court judgments and tax liens receive a strong FICO score penalty, especially when recent.

What is APR?

A: The annual percentage rate (APR) is the total cost of financing over the life of the loan, expressed as an annual rate. The interest rate, or note rate, is the cost you will pay each year to borrow the money. The APR includes not just the cost of the interest, but other items like origination points, mortgage insurance and other costs of obtaining the loan. For this reason, the APR is usually higher than the note rate, but that is not always the case, especially with adjustable-rate mortgages (ARMs).

Your specific plan may not cover every service listed above. Contact our benefits manager to see which plan is right for you.

The information related to this benefit is subject to change without notice and may not be current.
Contact our Benefit Manager, Shane Cobb at (800) 733-4487 for details.

Director Positions Still Open!

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Now that you're retired, do you have a little spare time on your hands? Were you actively involved with your labor organization while working? Would you like to get more involved with the Retired Peace Officers Association of California?

If you answered yes to any of these, you should consider becoming a Director with RPOAC! We currently have Director positions open for Orange County, Central Coast, North Valley and Oregon Chapters. Although it is preferred, you don't have to live in the Chapter to be the Director.

If you would like to apply for one of these positions or just want more information about the duties, please send an email to our Executive Director at rpoac1@yahoo.com.

Member Information Update

Have you moved? Changed phone numbers? New email address? All of these can be easily updated by clicking here: "Member Info Update"

Please take time to provide us with any changes to your contact information so that we can continue to provide you with current news and benefits information.

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Get Your Access to the Members Only Areas!

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Have you received your access to the "Members Only" section yet? If not, you need to contact our Executive Director immediately! Within this area you will be able to access issues of our quarterly newsletter, keep up to date on legislative actions that might affect your retirement benefits or pension in the "Briefing Board" and check out job offerings for retirees in our "Job Opportunities" page.

To access the "Members Only" area you must contact our Executive Director, Dennis Wright to receive your access password. Dennis can be contacted at (800) 743-7622 or by email at rpoac1@yahoo.com.

CCW Coverage Offered Through RPOAC

As retired peace officers many of us are authorized to carry a concealed weapon. But, have you given any thought to what your liabilities could be if you were to have to use that weapon in a self-defense incident? The legal costs alone could devastate your retirement nest egg not to mention the physical and emotional stress it would inflect on you and your family.

 

CCW Safe was founded by former police officers and attorneys who have all worked on local, and federal levels of law enforcement. CCW Safe is a legal service membership plan that was designed for CCW permit/license holders and retired law enforcement officers. CCW Safe was founded to offer similar coverages to what we received while serving our communities as active police officers.

 

Learn more about Carrying a Concealed Weapon coverage benefits.

Join the FOP

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F.O.P. (The Fraternal Order of Police) is the world's largest organization of sworn law enforcement officers, with more than 330,000 members in more than 2,100 lodges. They are the voice of those who dedicate their lives to protecting and serving our communities. They are committed to improving the working conditions of law enforcement officers and the safety of those they serve through education, legislation, information, community involvement, and employee representation. No one knows the dangers and the difficulties faced by today's police officers better than another officer, and no one knows police officers better than the FOP.

RPOAC members must be members of FOP to be eligible for the benefits offered. Membership in FOP can be obtained through our online dues payment page by clicking on the "Pay Dues" link in the left column, then choose the "FOP Dues" button or by contacting our Executive Director, Dennis Wright at (800) 743-7622.