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Consumer Deposit & Checking
Consumer Loan Rates
Credit Card Rates
Home Loan Rates
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Consumer Savings & Checking Rates - Effective October 1, 2014

Savings AccountsMinimum to OpenAPY*Rate
Smart Savings$5.15%.15%
Regular / Holiday / IRA Savings(sup1)$5.15%.15%


Checking AccountsMinimum to OpenAPY*Rate
Premier Checking$100.10%.10%
Primary Checking$100n/an/a
Platinum Checking(br)-$5,000-$9,999.99(br)-$10,000+$100(br).20%(br).20%(br).20%(br).20%
New Generation Checking (br) (ages 13-17)$25n/an/a
Fresh Start Checking$25n/an/a


High Yield Money Market Accounts(sup2)Minimum to Open/Earn APY*APY*Rate
Gold Star Money Market / IRA Accounts$100,000.60%.60%
Advantage Money Market / IRA Accounts$50,000.45%.45%
Index Plus(sup3) Money Market / IRA Accounts$25,000.40%.40%

 

 

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Tiered Money Market Accounts(sup2)Minimum to Earn APY*APY*Rate
Money Market Savings / IRA Account$100,000 (br)$50,000 (br)$25,000(br)$2,500.45% (br).35% (br).25% (br).25%.45% (br).35% (br).25% (br).25%

 

Certificate Accounts(sup4) / IRA Accounts$1,000(br) APY * / Rate$10,000(br) APY* / Rate$25,000(br) APY*/ Rate$100,000(br) APY* / Rate
3-month.15%/.15%.20%/.20%.25%/.25%.30%/.30%
6-month.35%/.35%.40%/.40%.45%/.45%.50%/.50%
12-month.70%/.70%.75%/.75%1.00%/1.00%1.05%/1.04%
24-month.95%/.95%1.10%/1.09%1.15%/1.14%1.25%/1.24%
36-month1.20%/1.19%1.25%/1.24%1.30%/1.29%1.35%/1.34%
48-month1.30%/1.29%1.35%/1.34%1.40%/1.39%1.45%/1.44%
60-month1.40%/1.39%1.45%/1.44%1.50%/1.49%1.55%/1.54%

* APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings. 
1 Minimum to earn APY is $0.01.
2 Balances under the stated minimum earn .15% APY.
3 The APY is based on the All Taxable Money Market Fund Average 7-Day Simple Yield plus a margin that can range
   from minus 1.50% to plus 1.50% (currently +.39%).
4 A penalty may be imposed for early withdrawals.

See disclosures for complete details on terms and conditions for all products and services.

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Consumer Loans & Credit Card Rates - Effective October 1, 2014

New Auto Loan(sup1)(br) (Up to 100% of Purchase Price)Minimum AmountRate As Low As(sup2)
Up to 66 months$2,0001.50%
Up to 75 months$15,0002.00%
Up to 84 months$20,0002.75%


Used Auto Loan (br) (Model Year 2008 - 2014)(br) (Up to 100% of Retail Kelly Blue Book)Minimum AmountRate As Low As(sup2)
Up to 66 months$2,0002.00%
Up to 75 months$15,0002.50%
Up to 84 months(sup3)$20,0003.25%
Older Used Auto Loan(br) (Model Year 2007 & Older)(br) (Up to 70% of Retail Price)Minimum AmountRate As Low As(sup2)
Up to 66 months$2,0004.00%
Up to 75 months$15,0004.50%


Recreational Vehicle LoanTerm(sup4)Financing AmountMinimum AmountRate As Low As(sup2)
New RV(sup4)Up to 84 monthsUp to 70%(br)of MRSP$2,0005.49%
Used RV(sup5) (6 years or newer)Up to 84 monthsUp to 80%(br) of Retail$2,0005.69%
Used RV(sup5) (7 years and older)Up to 84 monthsUp to 90%(br) of Wholesale$10,0009.54%
New BoatsUp to 84 monthsUp to 70%(br) of MRSP$10,0008.84%
Used BoatsUp to 84 monthsUp to 80%(br) of Wholesale$10,0009.74%
New Motorcycles (excludes dirt bikes)Up to 66 monthsUp to 70%(br) of MRSP$2,0006.99%
Used Motorcycles (excludes dirt bikes)Up to 66 months80% of(br) Wholesale$2,0007.54%


Line of CreditAvailable (br)Line of Credit(center)(font12)Annual Percentage Rate (br)(APR)(/font12)(br) For all transactions (/center)(br)(font10)Variable Rate Range(sup7)(/font10)Annual Fee
Applicable to all(br)Variable Rate (br)Lines of CreditSee below(font10)(bold)0% to 19.15%(/bold)(/font10)(br)Rate base on product and credit-worthiness. After account opening, APR will be based on the Prime Rate and will vary with the market.See below
Platinum MasterCard$3,000 - $50,0000%(sup6) to 17.00%None
Premier Privileges (br) Platinum MasterCard$3,000 - $50,0000%(sup6) to 17.00%None
Standard MasterCard$1,000 - $7,5000% to 17.15%None
Student MasterCard$500 - $2,0000%(sup6) to 11.00%None
Secured Standard MasterCard$300 - $5,00012.15% to 19.15%None
Credit Builder MasterCard$1,000 with Savings(br)$2,000 with Savings/Checking0% to 19%None
Secured Platinum MasterCard$5,000 - $50,0007.00% to 14.50%None
Overdraft Line of Credit$1,000-$5,00012.15% to 19.15%None
Premier Plus Line of Credit$15,001-$50,0009.50% to 17.00%None
Premier Line of Credit$5,000-$15,00010.15% to 17.15%None


Other LoansAvailable Line/Loan AmountRate As Low As
Personal Loans$500 - $25,0008.50%
Savings/Certificate-Secured Loans$500 - $1,500,000Deposit Rate (br)Plus 3.00%(br) to 3.50%

1 Refi new autos are vehicles less than 1 year old and less than 12,000 miles.
2 Refi rates reflect .25% discount for direct deposit with automatic payment and .50% discount loyalty discount (may increase based on credit worthiness). Loyalty discount applies for refi only.
3 Purchase or Refi 84 month terms available for used models, 2013 or newer, with a maximum mileage of 50,000 and minimum loan amount of $20,000.
4 Minimium loan amounts apply for 75 and 84 month term for any Recreational Vehicle loans.
5 Recreational vehicles include motorhomes, camper/truck, and vacation trailers.
6 Introductory rate on credit cards is non-variable for 6 months from account open date. At the end of the 6 months, the contract rate becomes variable and may increase or decrease, based on the Prime Rate, as  published in the Wall Street Journal, plus margin.
7All product rates subject to credit worthiness.
 

See disclosures for complete details on terms and conditions for all products and services.

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Home Loan Rates - Effective Apply for a home loan online. You will find out if you are approved in just minutes.

First Mortgage Home Loans
Click here to view our fixed and variable rate first mortgage home loans.1


Home Equity Loans/ Second MortgagesLoan to ValueLoan AmountRate As Low As(sup1)
HomeLine/HomeLine Express (Line of Credit(sup2))80%$10,000 to $500,0004.00%
Equity/Equity Express (Closed-End Loan)80%$10,000 to $500,0005.49%

Rates and terms are subject to loan policies. Rates and Annual Percentage Rate may change daily without notice.

1 Rates are subject to credit worthiness, amount of loan, type of property and loan to value ratio. HomeLine / HomeLine Express rates reflect .25% discount for direct deposit and automatic payment.
2 Availability of loans and maximum loan amounts vary by state. Variable rate loans are based on the Prime Rate, as published in The Wall Street Journal, plus margin.

See disclosures for complete details on terms and conditions for all products and services.

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Business Rates - Effective October 1, 2014

For more information about our competitive loan products and our current loan rates, contact us at (800) 772-4000 or (818) 772-4000 to set up an appointment at one of our branches - or in the convenience of YOUR office.


Business Checking & Savings AccountsMinimum to OpenMinimum to Earn APY*APY*Rate
Free Business Checking$100n/an/an/a
Platinum Business Checking$100(br)$100$5,000(br)$10,000.20%(br).20%.20%(br).20%
Business Savings$250$5.15%.15%


Business High Yield Money Market AccountsMinimum to Open/Earn APY*(sup1)APY*Rate
Business Gold Star Money Market$100,000.60%.60%
Business Advantage Money Market$50,000.45%.45%
Business Index Plus Money Market(sup2)$25,000.40%.40%


Business Tiered Money Market AccountsMinimum to Earn APY*(sup1)APY*Rate
Business Money Market Savings$100,000(br) $50,000(br) $25,000(br) $5,000.45%(br) .35%(br) .25%(br).25%.45%(br) .35%(br) .25%(br) .25%


Business Certificate Accounts(sup4)$1,000 APY* / Rate$10,000 APY* / Rate$25,000 APY*/ Rate$100,000 APY* / Rate
3-month term.15%/.15%.20%/.20%.25%/.25%.30%/.30%
6-month term.35%/.35%.40%/.40%.45%/.45%.50%/.50%
12-month term.70%/.70%.75% /.75%1.00%/1.00%1.05%/1.04%
24-month term.95%/.95%1.10%/1.09%1.15%/1.14%1.25%/1.24%
36-month term1.20%/1.19%1.25%/1.24%1.30%/1.29%1.35%/1.34%
48-month term1.30%/1.29%1.35%/1.34%1.40%/1.39%1.45%/1.44%
60-month term1.40%/1.39%1.45%/1.44%1.50%/1.49%1.55%/1.54%


Business Unsecured Lines of CreditLoan Amount (sup5)Maximum TermRisk Based Pricing Range (sup6)FeesMinimum Adjustment Period
Business Express (br)Line of Credit (Conventional)$5,000-$50,000Prime + (br)3.25% to 9.75%Setup Fee: $250 (br)(br) Annual Fee: $100Monthly
Business Overdraft$1,000-$25,000Prime + (br) 4.24% to 11.24%n/aMonthly
Business MasterCard$5,000-$35,000Prime + (br) 4.24% to 11.24%Annual Fee: $50Monthly


Business Unsecured LoansLoan AmountMaximum TermRisk Based Pricing Range(sup6)Fees
Conventional$5,000-$100,0005 yearsFixed Prime + (br) 3.00% to 9.50%Annual Fee: $100


Business (br) Real-Estate-Secured LoansLoan AmountMaximum TermRisk Based Pricing Range(sup7)Fees(sup8)Minimum Adjustment Period
Conventional$50,000-$500,0005 yearsFixed at Prime + (br) 1.75% to 2.00%Upfront Fee: .50%n/a
Conventional$500,000-$3,000,00010 years; (br)25 year amortizationCall for a quoteUpfront fee of 1%n/a


* APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
1  Balances under the stated minimum earn .15% APY.
2 The APY is based on the All Taxable Money Market Fund Average 7-Day Simple Yield plus a margin that can range from minus 1.50% to plus 1.50% (currently +.39%).
3 Requires member to have or to open a Business Checking or Business loan product.
4 A penalty may be imposed for early withdrawals.
5 SBA guaranty fee applies (1.00% to 2.82% of loan/line, depending on amount).
6 Variable rate loans based on Prime Rate index as published in the Wall Street Journal, plus margin.
7 Rates and maximums subject to change without notice and subject to credit worthiness - collateral values, and other loan policies. The information furnished here is preliminary. This is not an offer or commitment. Rates, terms and conditions may change without notice. All transactions are subject to approval. Approval terms may vary. See disclosures for complete details on terms and conditions for all products and services.
8 Appraisal costs may apply.

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Equal Housing Lender
NCUA
Premier America Credit Union is committed to providing exceptional service to individuals and small businesses. We offer consumer, business and youth checking and savings accounts; business loans; investment services; high yields on certificates and money market accounts; homeowner's and auto insurance; home mortgages and auto loans; as well as MasterCard and Visa credit cards. Our members enjoy free services including online banking, mobile banking, text banking, mobile apps and bill pay. We are proud to serve the communities of Chatsworth, Simi Valley, Thousand Oaks, Valencia, Santa Monica, Westlake Village, and Woodland Hills, California as well as Houston, Texas.