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Rates Effective
Checking Accounts Minimum to Open APY* Rate
Smart Spending$0n/an/a
Fresh Start Checking$25n/an/a
Premier Plus Checking$25Up To 1.50%*Up To 1.49%*

*APY = Annual Percentage Yield. 1.50% APY paid on balances up to $20,000.00 and 0.10% APY paid on funds exceeding $20,000. Requirements to earn premium yield 1) Fifteen or more Premier America Credit Union debit and / or credit card purchases must post to the card between the first day of the month and the last day of the month. 2) Must be opted in for eStatements. If qualifiers are not met, 0.10% APY will be paid on all balances. Any points earned on a Premier America Credit Union Mastercard® Platinum Rewards credit card will still accrue even if these requirements are not met. Fees may reduce earnings.

Savings Accounts¹ Minimum to Open APY* Rate
Smart Savings$1.30%.29%
Regular / Holiday / IRA Savings$1.30%.29%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.

¹ Minimum to earn stated APY is $0.01.

Tiered Money Market Minimum to Earn APY* APY* Rate
Money Market Savings / IRA Account$500,000+1.10%1.09%
Money Market Savings / IRA Account$250,000 - $499,999.991.05%1.04%
Money Market Savings / IRA Account$100,000 - $249,999.991.00%0.99%
Money Market Savings / IRA Account$50,000 - $99,999.990.75%0.74%
Money Market Savings / IRA Account$25,000 - $49,999.990.65%0.64%
Money Market Savings / IRA Account$2,500 - $24,999.990.55%0.54%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
¹ Balances under the stated minimum earn 0.30% APY

Certificate Accounts / IRA Accounts¹ $1,000 APY * / Rate $10,000 APY * / Rate $25,000 APY * / Rate $100,000 APY * / Rate
3-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
6-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
9- Month Special Certificate**4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
11-Month Special Certificate**5.00%/4.88%5.00%/4.88%5.00%/4.88%5.00%/4.88%
12-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
18-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
24-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
36-Month3.50%/3.45%3.50%/3.45%3.50%/3.45%3.50%/3.45%
48-Month3.00%/2.96%3.00%/2.96%3.00%/2.96%3.00%/2.96%
60-Month3.00%/2.96%3.00%/2.96%3.00%/2.96%3.00%/2.96%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings. Rates are rounded to 2 decimal points.
¹ A penalty may be imposed for early withdrawals.
** New Money Required

High-Yield Money Market*

Minimum to Earn APY* APY* Rate
$0.01- $9,999.990.30%0.29%
$10,000.00 +4.25%4.16%
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings. ¹ Balances under the stated minimum earn 0.30% APY

Premium Money Market**

Minimum to earn APY* APY* Rate
$0.01+1.00%0.99%
*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.

**New Money Required

Up to 120% of MSRP or Retail Kelley Blue Book

New Auto Loan¹ Minimum Amount Rate As Low As²
Up to 36 Months$2,0007.60%
Up to 48 months$2,0007.70%
Up to 66 months$2,0007.80%
Up to 75 months$15,0007.90%
Up to 84 months$20,0008.00%

¹ New Autos are vehicles less than 1 year old and less than 12,000 miles.
² Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc. May increase based on credit worthiness. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.

Model Year 2016 and Older - Up to 101% of Retail Kelley Blue Book

Older Used Auto Loan Purchase¹ Minimum Amount Rate As Low As²
Up to 36 months$2,0008.85%
Up to 48 months$2,0008.95%
Up to 66 Months$2,0009.05%
Up to 75 Months$15,0009.15%

¹ Older Used Autos are vehicles with Model Year 2016 or older and under 75,000 miles.
² Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. 

Up to 120% of MSRP or Retail Kelley Blue Book

Used Auto Loan Purchase¹ Minimum Amount Rate As Low As²
Up to 36 Month$2,0007.85%
Up to 48 months$2,0007.95%
Up to 66 Months$2,0008.05%
Up to 75 Months$15,0008.15%
Up to 84 Months³$20,0008.25%

¹ Used Autos are vehicles with Model Year between 2017-2023 and over 12,000 miles.
² Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc. May increase based on credit worthiness. Rates reflect the maximum .50% discount. Discounts available are: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment.
³ 84 month terms available for used models, 2019 or newer, with a maximum mileage of 75,000 and minimum loan amount of $20,000.

Motorcycle and Recreational Vehicle Loans Term Financing Amount Minimum Amount Rate As Low As²
New RV¹Up to 240 MonthsUp to 90% of MSRP$5,0007.74%
Used RV - 10 years or newerUp to 240 Months²Up to 90% of NADA$5,0007.74%
New Boats- Personal watercraft no longer availableUp to 84 MonthsUp to 70% MSRP$5,00011.85%
Used Boats- 10 years or newer, personal watercraft no longer availableUp to 84 MonthsUp to 80% of Retail Kelley Blue Book$5,00012.60%
New Motorcycles- Excludes dirt bikesUp to 66 MonthsUp to 100% of MSRP$5,00010.85%
Used Motorcycles (2017-2023)- Excludes dirt bikesUp to 66 MonthsUp to 100% of Retail Kelley Blue Book$5,00011.85%

¹ Vehicles less than 1 year old and less than 12,000 miles.
² May increase based on credit worthiness. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment.
181-240 month term offered only on 2019 models or newer with less than 75,001 miles.

Home Equity Loans/ Second Mortgages Loan to Value Loan Amount Rate As Low As¹
HomeLine (Line of Credit)²80%$10,000 to $500,0005.99% (6 month intro rate; 8.75%-13.00%APR¹ thereafter)
Equity/Equity Express (Closed-End Loan)80%$10,000 to $500,0008.00%

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/Home Line Express rates reflect .25% discount for direct deposit and automatic payment.
² Availabilty 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.

Credit Cards and Lines of Credit Available Line of Credit Annual Percentage Rate (APR)¹ For all transactions Rate Range*** Annual Fee
Premier Privileges Rewards Mastercard$500+0% 6 Month Introductory Rate.² 15.99% to 25.49% fixed rate based on credit worthinessNone
Standard Mastercard$500+0% 6 Month Introductory Rate.³ 16.49% to 23.49%None
Student Mastercard$500+0% 6 Month Introductory Rate.³ 15.75%None
Secured Mastercard$500+17.15% to 24.15%None
Overdraft Line of Credit$1,000+17.15% to 24.15%None
Premier Line of Credit$1,000+14.75% to 22.25%None

1 APR = Annual Percentage Rate.
2 Qualification and rate is based on an assessment of individual creditworthiness and our underwriting standards. 
3 0% intro APR for 6 months. After intro period, your APR will be based on your creditworthiness.
4 0% intro APR for 6 months. After intro period, your APR will be based on your creditworthiness and will vary with the market based on the Prime Rate.

Credit card terms and conditions

Description Available Line/Loan Amount Rate As Low As Conditions
Personal Loans$500 minimum9.24%Maximum term 60 months
Share Secured$500 minimum3% above share savings rate.Variable rate. 60 month maximum.
Certificate Secured$500 minimumFixed rate is 3% above certificate rate.Loan must mature before or at the same time as the certificate.
Business Certificate Accounts¹ $1,000 APY* / Rate $10,000 APY* / Rate $25,000 APY* / Rate $100,000 APY* / Rate
3-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
6-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
9-Month Special Certificate**4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
12-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
18-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
24-Month4.00%/3.93%4.00%/3.93%4.00%/3.93%4.00%/3.93%
36-Month3.50%/3.45%3.50%/3.45%3.50%/3.45%3.50%/3.45%
48-Month3.00% / 2.96%3.00% / 2.96%3.00% / 2.96%3.00% / 2.96%
60-Month3.00% / 2.96%3.00% / 2.96%3.00% / 2.96%3.00% / 2.96%
11-Month Special Certificate**5.00%/4.88%5.00%/4.88%5.00%/4.88%5.00%/4.88%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
¹A penalty may be imposed for early withdrawals.
** New Money Required

Business Checking Accounts Minimum to Open APY* Rate
Free Business Checking$25n/an/a
Platinum Business Checking$250.20%0.19%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.

Business Savings Accounts¹ Minimum to Open APY* Rate
Business Savings$2500.30%0.29%

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings. Rates are rounded to 2 decimal points.
¹ Minimum to earn stated APY is $0.01.

Business Secured Loans¹ Loan Amount Maximum Term Rate Origination of Annual Fees
Secured by Commercial Real Estate$500,000-$3,500,000Up to 10 years; 25 or 30 year amortizationCall for quoteCall for quote

¹ 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.

Business Tiered Money Market Accounts¹ Minimum to Earn APY* APY* Rate
$500,000+1.10%1.09%
$250,000 - $499,999.991.05%1.04%
$100,000 - $249,999.991.00%0.99%
$50,000 - $99,999.990.75%0.74%
$25,000 - $49,999.990.65%0.64%
$2,500 - $24,999.990.55%0.54%

*APY = Annual Percentage Yield
¹ Balances under the stated minimum earn 0.30% APY

Business Unsecured Lines of Credit¹ Loan Amount Rate² Origination or Annual Fees Minimum Adjustment Period
Business Mastercard$5,000-$35,00012.74% to 19.74%Annual Fee: $50.00Monthly

¹ 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.

² Variable rate loans based on Prime Rate index as published in the Wall Street Journal, plus margin

Frequently asked questions & answers

You can get the latest deposit rates by visiting our rates page on our website.

If you meet the requirements for the 1.50% APY Dividend, then you will earn 1.50% on the first $20,000.00 and 0.10% on the remaining balance. If you don't meet the criteria for the 1.50% dividend, you will earn 0.10% on your full balance. 

The requirements to earn the 1.50% dividend premium yield. 1) Fifteen or more Premier America Credit Union debit and / or credit card purchases must post to the card between the first day of the month and the last day of the month. 2) Must be opted in for eStatements. Rate is subject to change after account is opened. is Any points earned on a Premier America Credit Union Premier Privileges Rewards Mastercard® credit card will still accrue even if these requirements are not met. Fees may reduce earnings. 

You can get the latest mortgage rates by visiting our Mortgage Center.
You can get the latest loan rates by visiting our rates page on our website.
Premier America Credit Union is a full-service financial institution with branches in California and Texas.
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