| Checking Accounts | Minimum to Open | APY* | Rate |
|---|---|---|---|
| Smart Spending | $0 | n/a | n/a |
| Fresh Start Checking | $25 | n/a | n/a |
| Premier Plus Checking | $25 | 1.50%* | Up To 1.49%* |
*APY: Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rate is subject to change. 1.50% APY paid on balances up to $30,000.00 and 0.10% APY paid on funds exceeding $30,000. 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 Premier Privileges Rewards Mastercard 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.
Youth Savings
| Balance Range | APY1/ Rate |
|---|---|
| $0-$499.99 | 5.00%/4.889% |
| $500-$1,999.99 | 2.50%/2.471% |
| $2,000.00+ | 0.50%/0.498% |
For example, if you had $1,500.00 in your account on the first of the month and did not make any deposits or withdrawals during the month, your blended rate would be 3.33% APY, with dividends earned of $4.10. Example is for illustrative purposes only.
Youth Launch Certificate
| Youth Launch Certificate | APY*/ Rate |
|---|---|
| 6-Month | 3.00% / 2.959% |
| 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 - $499,999.99 | 1.05% | 1.04% |
| Money Market Savings / IRA Account | $100,000 - $249,999.99 | 1.00% | 0.99% |
| Money Market Savings / IRA Account | $50,000 - $99,999.99 | 0.75% | 0.74% |
| Money Market Savings / IRA Account | $25,000 - $49,999.99 | 0.65% | 0.64% |
| Money Market Savings / IRA Account | $2,500 - $24,999.99 | 0.55% | 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-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 6-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 12-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 18-Month | 3.75%/3.678% | 3.75%/3.678% | 3.75%/3.678% | 3.75%/3.678% |
| 24-Month | 3.75%/3.678% | 3.75%/3.678% | 3.75%/3.678% | 3.75%/3.678% |
| 36-Month | 3.50%/3.445% | 3.50%/3.445% | 3.50%/3.445% | 3.50%/3.445% |
| 48-Month | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% | 3.00%/2.96% |
| 60-Month | 3.25%/3.202% | 3.25%/3.202% | 3.25%/3.202% | 3.25%/3.202% |
*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.
**Certificate must be opened with new money. Promotional certificates renew into the designated terms stated at share opening at the current dividend rate and Annual Percentage Yield (APY) applicable on the account maturity date. Minimum $1,000 to open. There is a penalty for early withdrawal.
Advantage Money Market Account1
| Minimum to Earn APY1 | APY2 | Rate |
|---|---|---|
| $0.01-$19,999.99 | 0.15% | 0.149% |
| $20,000+ | 4.00% | 3.928% |
2APY = Annual Percentage Yield.
High-Yield Money Market* (Grandfathered Product)
| Minimum to Earn APY* | APY* | Rate |
|---|---|---|
| $0.01- $9,999.99 | 0.30% | 0.29% |
| $10,000.00+ | 3.75% | 3.68% |
Premium Money Market** (Grandfathered Product)
| Minimum to earn APY* | APY* | Rate |
|---|---|---|
| $0.01+ | 1.00% | 0.99% |
**New Money Required
Up to 120% of MSRP or Retail Kelley Blue Book
| New Auto Loan¹ | Minimum Amount | Standard Rates As Low As | Rate As Low As² |
|---|---|---|---|
| Up to 36 Months | $2,000 | 6.49% | 5.99% |
| Up to 48 months | $2,000 | 6.74% | 6.24% |
| Up to 66 months | $2,000 | 6.99% | 6.49% |
| Up to 75 months | $15,000 | 7.24% | 6.74% |
| Up to 84 months | $20,000 | 7.74% | 7.24% |
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 2017 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 | $2,000 | 7.24% |
| Up to 48 months | $2,000 | 7.49% |
| Up to 66 Months | $2,000 | 7.74% |
| Up to 75 Months | $15,000 | 7.99% |
¹ Older Used Autos are vehicles with Model Year 2017 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 | $2,000 | 6.24% |
| Up to 48 months | $2,000 | 6.49% |
| Up to 66 Months | $2,000 | 6.74% |
| Up to 75 Months | $15,000 | 6.99% |
| Up to 84 Months³ | $20,000 | 7.49% |
¹ Used Autos are vehicles with Model Year between 2018-2024 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, 2020 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 RV¹ | Up to 240 Months | Up to 90% of MSRP | $5,000 | 7.74% |
| Used RV - 10 years or newer | Up to 240 Months² | Up to 90% of NADA | $5,000 | 7.74% |
| New Boats- Personal watercraft no longer available | Up to 84 Months | Up to 70% MSRP | $5,000 | 11.85% |
| Used Boats- 10 years or newer, personal watercraft no longer available | Up to 84 Months | Up to 80% of Retail Kelley Blue Book | $5,000 | 12.60% |
| New Motorcycles- Excludes dirt bikes | Up to 66 Months | Up to 100% of MSRP | $5,000 | 10.85% |
| Used Motorcycles (2017-2023)- Excludes dirt bikes | Up to 66 Months | Up to 100% of Retail Kelley Blue Book | $5,000 | 11.85% |
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)² | 80% | $10,000 to $500,000 | 5.99% (6 month intro rate; 8.75%-13.00%APR¹ thereafter) |
| Equity/Equity Express (Closed-End Loan) | 80% | $10,000 to $500,000 | 8.00% |
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 worthiness | None |
| 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 minimum | 9.24% | Maximum term 60 months |
| Share Secured | $500 minimum | 3% above share savings rate. | Variable rate. 60 month maximum. |
| Certificate Secured | $500 minimum | Fixed 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-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 6-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 12-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 18-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 24-Month | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% | 4.00%/3.93% |
| 36-Month | 3.75%/3.678% | 3.75%/3.678% | 3.75%/3.678% | 3.75%/3.678% |
| 48-Month | 3.00% / 2.96% | 3.00% / 2.96% | 3.00% / 2.96% | 3.00% / 2.96% |
| 60-Month | 3.50% / 3.445% | 3.50% / 3.445% | 3.50% / 3.445% | 3.50% / 3.445% |
*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 | $25 | n/a | n/a |
| Platinum Business Checking | $25 | 0.20% | 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 | $250 | 0.30% | 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-$3,500,000 | Up to 10 years; 25 or 30 year amortization | Call for quote | Call 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 - $499,999.99 | 1.05% | 1.04% | |
| $100,000 - $249,999.99 | 1.00% | 0.99% | |
| $50,000 - $99,999.99 | 0.75% | 0.74% | |
| $25,000 - $49,999.99 | 0.65% | 0.64% | |
| $2,500 - $24,999.99 | 0.55% | 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-$35,000 | 12.74% to 19.74% | Annual Fee: $50.00 | Monthly |
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
If you meet the requirements for the 1.50% APY Dividend, then you will earn 1.50% on the first $30,000.00 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.