Loan Rates

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Premier Credit Union uses personalized lending rates based on a borrower's credit worthiness, account relationship with the credit union and usage of other credit union products and services. Rates shown are the lowest rate available. Not every borrower will qualify for the same rate. Rates are non-variable unless otherwise noted.

Autos

Term Down-Payment As Low As APR
2018 and Newer 0 to 66 Months 0% 1.99%
2018 and Newer 67 to 78 Months 0% 3.49%
2018 and Newer 79 to 84 Months 0% 3.99%
2016 - 2017 0 to 48 Months 0%  2.99%
2016 - 2017 49 to 66 Months 0% 3.49%
2015 and Older 0 to 48 Months 0% 3.99%
     


Loan Calculator

APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of July 22, 2020. An additional .50% will be added to the loan rate if loan is not set up for payroll deduction, automatic payment or ACH debit of loan payment. Also, .50% will be added if the loan account is not set up for e-statements. Rate quoted is for new money, 1.00% will be added when refinancing a current Premier Credit Union auto loan. Terms and conditions apply. Payment Example: $10,000 loan on a 2018 vehicle for a term of 36 months with a 1.99% APR, the monthly payment = $286.38. Call Credit Union for full details.

Recreational Vehicle

Term Down-Payment As Low As APR
48-Months 0% 6.25%
60-Months 0% 6.50%
72-months 0% 6.75%
Other Terms Available    


Loan Calculator

Payment example: $20,000 loan on a recreational vehicle for a term of 60 months with a 6.50% APR, the monthly payment will be $391.30. Rates subject to change and effective as of 
July 22, 2020.

Home Equity

Loan Type Term Loan to Value As low as APR
Variable Home Equity Line of Credit* 30-yrs. Up to 90%*** Call for current rates
Fixed Home Equity**     Call for current rates
       
       


Loan Calculator

 

Home Mortgage

Home Mortgage Programs - Contact an In-House Mortgage Officer at (515) 282-1611 for current rate information.
Construction Loan Programs - Contact an In-House Mortgage Officer at (515) 282-1611 for current rate information.

MasterCard® Credit Cards

Program Level Minimum Credit Limit APR
Platinum $5,000 7.99% APR
Gold $2,000 10.99% APR
Classic $500 13.99% APR


If finances charges accrue on MasterCard credit cards, there is a minimum finance charge of $0.50.

Credit Card Agreement

Personal

Loan Type Term As Low As
Overdraft Protection Line of Credit N/A 15.00%
Unsecured Personal 24-months 15.99%
Unsecured Personal 36-months 16.99%
Unsecured Personal 48-months 17.99%
Share Secured 12-months 3% over deposit APR
Holiday Special 12-months 9.99%


Loan Calculator

Minimum $50 monthly payment is required on all Overdraft Protection Lines of Credit with an outstanding balance.
APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of July 22, 2020. Terms and conditions apply.

Payment example: $5,000 unsecured personal loan for a term of 24 months with a 15.99% APR, the monthly payment will be $244.79.

Account Disclosures
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News & Events

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