Loan Rates

Account Rates

View current rates for all Premier member accounts.

Savings and Checking Accounts

APY = Annual Percentage Yield. Dividends on Special Savings and Holiday Club dividends credit and compound annually. Basic Savings and High Yield Checking dividends credit and compound monthly. Rates subject to change after account opening and effective as of July 1, 2024.

*There are requirements to earn bonus rate. Maintenance or activity fees could reduce the earnings of this account. Call Credit Union for full account details. Rates subject to change after account opening and effective as of July 1, 2024.

** If you do not meet the requirements per month, your account will still function as a checking account.

Money Market Account

APY = Annual Percentage Yield. Dividends on savings are compounded monthly. Rates subject to change after account opening and effective as of July 1, 2024. Maintenance or activity fees could reduce the earning of this account.

Premier Money Market

APY = Annual Percentage Yield. Dividends on savings are compounded monthly. Rates subject to change after account opening and effective as of July 1, 2024. Maintenance or activity fees could reduce the earning of this account.

Business Money Market

APY = Annual Percentage Yield. Dividends on savings are compounded monthly. Rates subject to change after account opening and effective as of July 1, 2024. Maintenance or activity fees could reduce the earning of this account.

Certificates of Deposit

APY = Annual Percentage Yield. Interest credits and compounds quarterly. Rates subject to change after account opening and effective as of July 1, 2024. Interest rate is locked when account is opened. Early withdrawal penalties may be imposed. **CD special for new money only, existing funds in a Premier Credit Union account are not eligible for this CD special.


Loan Rates

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.

Auto & Recreational Vehicle Rates

Autos

Model Year As low as APR Term
2022 and Newer 6.25% 0 to 66 Months
2022 and Newer 7.00% 67 to 84 Months
2020 - 2021 7.00% 0 to 48 Months
2020 - 2021 7.25% 49 to 72 Months
2019 and Older 7.50% 0 to 66 Months

APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of July 1, 2024. 1.00% will be added when refinancing an existing Premier loan. Payment Example: $30,000 on a 2022 vehicle for a term of 60 months with a 6.25% APR, the payment will be $583.48.

Recreational Vehicle

As low as APR Term
8.50% 48-Months
8.75% 60-Months
9.00% 72-months

APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of July 1, 2024. 1.00% will be added when refinancing an existing Premier loan. Payment Example: $10,000 for 48 months at 8.50% APR = $246.48.

Home Equity & Mortgage Rates

APR = Annual Percentage Rate. Appraisal fees may apply. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval. Payment Example: $30,000 for 60 months at 6.00% APR = $579.98.

Credit Cards

Credit Cards

Program Level As low as APR Minimum Credit Limit
Platinum 7.99% $5,000
Gold 10.99% $2,000
Classic 17.99% $500

APR = Annual Percentage Rate. Foreign transaction fee is 1% of each transaction.

Personal Loan Rates

Personal

Account Type As low as APR Term
Unsecured Personal 10.99% 24-months
Unsecured Personal 11.99% 36-months
Unsecured Personal 12.99% 48-months

APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of July 1, 2024. Payment Example: $5,000 for 24 months at 10.99% APR = $233.02. **Minimum $50 payment when there is an outstanding balance.

 

What can you afford?

Our loan calculator can help you calculate a variety of possible loans. You may adjust your loan amount, interest rate, and term length.

Use our loan calculator


Fee Schedule

View fees for Premier accounts and services.

Savings/Checking

Savings/Checking Account Fees Amount
Insufficient Funds Item Returned or Paid $32.00/item*
Stop Payment $32.00/item*
Overdraft Transfer $3.00/Transfer*
Statement Copy $5.00/month*
Copies of cleared checks $5.00/item*
Money Market
Below Minimum Balance
$10.00/month*
Money Market
Below Minimum Withdrawal
$30.00/item
Check Printing Varies based on style

Debit/ATM Card

Debit/ATM Card Fees Amount
ATM Withdrawals $2.00 after 5**
Card Replacement $10.00/card

 

APR = Annual Percentage Rate. If finance charges accrue the minimum finance charge is $0.50. Foreign transaction fee is 1% of each transaction.

MasterCard Credit Card

MasterCard Credit Card Fees Amount
Annual Fee No Charge
Balance Transfer No Charge
Late Payment $25.00
Card Replacement $10.00/card*
Return Payment $32.00

 

APR = Annual Percentage Rate. If finance charges accrue the minimum finance charge is $0.50. Foreign transaction fee is 1% of each transaction.

Wire Transfer Services

Wire Transfer Service Fees Amount
Domestic Wire $25.00/each
International Wire $50.00/each
Incoming Wire $10.00/each

Miscellaneous

Miscellaneous Fees Amount
Legal Process (Garnishment, Levy, Subpoena, etc) $30.00/item
Items Sent For Collection $20.00/item
Account Research or Statement Reconciliation (minimum 1 hour) $20.00/hour
Undeliverable Statement $5.00/each
Inactivity Closure Fee $25
Cashier’s Check $5.00/each
Non-member Check Issuing $5.00/check
Non-member Check Cashing (over $100) $5.00/check
Paper Statement Fee $2.00/month
Inactive Account Fee $10.00/month

* Sales Tax as applicable

**5 FREE ATM withdraw transactions per month at no charge. Deposit and balance inquires do not count as a transaction. Once an account reaches 5 transactions within a calendar month, it will be charged a fee of $2.00 for each transaction over 5.