Rates Effective 06/12/2026
Savings Rates
Checking Accounts
| Minimum to Open | APY¹ | Rate Up To | |
|---|---|---|---|
| Premier Plus Checking² | $25 | 3.50% | 3.440% |
| Smart Spending Checking | $0 | n/a | n/a |
| Primary Checking | $25 | n/a | n/a |
| Fresh Start Checking | $25 | n/a | n/a |
1APY = Annual Percentage Yield. 2APY is accurate as of the last dividend declaration date and rates are subject to change at any time. Rate of 3.50% APY/ 3.440% rate for all accounts, new and existing, is paid on balances up to $30,000.00 and 0.10% APY paid on funds exceeding $30,000, when requirements are met. Requirements to earn premium yield are 1) Conduct 15 transactions using your debit and/or credit card that must post to the statement between the first day of the month and the last day of the month and 2) Must be opted in for eStatements. If you do not meet the requirements, 0.10% APY will be paid on all balances. Any points earned on a Premier America Mastercard credit card will still accrue even if these requirements are not met. Fees may reduce earnings.
Certificates
| APY1 | Rate | |
|---|---|---|
| 3-Month | 2.75% | 2.72% |
| 6-Month | 3.05% | 3.01% |
| 12-Month | 3.25% | 3.20% |
| 18-Month | 3.00% | 2.96% |
| 24-Month | 3.00% | 2.96% |
| 36-Month | 3.00% | 2.96% |
| 48-Month | 3.00% | 2.96% |
| 60-Month | 3.00% | 2.96% |
1APY = Annual Percentage Yield. Penalty for early withdrawal. Minimum $1,000 to open.
IRA Certificates
| APY1 | Rate | |
|---|---|---|
| 3-Month | 2.75% | 2.72% |
| 6-Month | 3.05% | 3.01% |
| 12-Month | 3.25% | 3.20% |
| 18-Month | 3.00% | 2.96% |
| 24-Month | 3.00% | 2.96% |
| 36-Month | 3.00% | 2.96% |
| 48-Month | 3.00% | 2.96% |
| 60-Month | 3.00% | 2.96% |
Your IRA Options
1APY = Annual Percentage Yield. Penalty for early withdrawal. Minimum $1,000 to open.
Advantage IRA Money Market
| Daily Balance Tiers | APY1 | Rate |
|---|---|---|
| $0.01-$19,999.99 | 0.15% | 0.15% |
| $20,000+ | 3.15% | 3.10% |
1APY = Annual Percentage Yield. The minimum opening deposit is $5.00. There is no minimum balance fee for this account. This is a variable-rate money market account based on your daily balance. 3.15% APY/3.10% Rate applicable on balances of $20,000.00 and higher. Rate may change without notice. Dividends are paid at the rate corresponding to each day’s full balance. The minimum required to earn any dividend is $0.01. Rates are subject to change without notice.
IRA Money Market Accounts
| Daily Balance Tiers | APY1 | 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% |
| $0 - $2,499.99 | 0.30% | 0.29% |
IRA Money Market Options
1APY = Annual Percentage Yield. Rates are subject to change without notice.
Advantage Money Market
| Daily Balance Tiers | APY1 | Rate |
|---|---|---|
| $0.01-$19,999.99 | 0.15% | 0.15% |
| $20,000+ | 3.15% | 3.10% |
1APY = Annual Percentage Yield. The minimum opening deposit is $5.00. There is no minimum balance fee for this account. This is a variable-rate money market account based on your daily balance. 3.15% APY/3.10% Rate applicable on balances of $20,000.00 and higher. Rates may change without notice. Dividends are paid at the rate corresponding to each day’s full balance. The minimum required to earn any dividend is $0.01.
Money Market Accounts
| Daily Balance Tiers | APY1 | 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% |
| $0 - $2,499.99 | 0.30% | 0.29% |
1APY = Annual Percentage Yield. The minimum opening deposit is $5.00. There is no minimum balance fee for this account. The minimum required to earn any dividend is $0.01. Rates may change without notice.
Savings Accounts
| Minimum to Open | APY¹ | Rate | |
|---|---|---|---|
| Smart Savings | $1 | 0.05% | 0.05% |
| Regular / Holiday / IRA Savings | $1 | 0.05% | 0.05% |
Youth Smart Savings
| Daily Balance Tiers | APY1 | Rate |
|---|---|---|
| $0-$499.99 | 5.00% | 4.89% |
| $500-$1,999.99 | 2.50% | 2.47% |
| $2,000.00+ | 0.50% | 0.50% |
Visit A Branch to Open Account
1APY = Annual Percentage Yield. APY, Rate, and Terms are subject to change without notice. The Youth Smart Savings Share is a membership share to join Premier America Credit Union. To open, you must have the child’s birth certificate and social security card. A minimum deposit of $1.00 to open the account is required. Rate tiers are based on account balance, $0-$499.99: 5.00%, $500-$1,999.99: 2.50%, $2,000.00 and above: 0.50%. Membership eligibility is required and subject to approval.
Youth Launch Certificate
| APY1 | Rate | |
|---|---|---|
| 6-Month Certificate | 3.00% | 2.95% |
Visit A Branch to Open Account
1APY = Annual Percentage Yield. APY, Rate, and Terms are subject to change without notice. The Youth Launch Certificate may only be opened by members 0-17 years of age. Minor must be listed a primary owner, with an adult required as a joint owner. This is a 6-month renewable certificate up until the age of 18, and requires a minimum opening deposit of $100.00. The maximum opening deposit is $1,000.00. Dividends may be earned on balances above $1,000.00 due to dividends earned over time in maturating certificate.
Loan Rates
New Auto Loan
Up to 120% of MSRP or Retail Kelley Blue Book4
| New Auto Loan³ | Minimum Amount | APR¹ As Low As² |
|---|---|---|
| Up to 36 Months | $2,000 | 4.74% |
| Up to 48 Months | $2,000 | 4.99% |
| Up to 66 Months | $2,000 | 5.24% |
| Up to 75 Months | $15,000 | 5.49% |
| Up to 84 Months | $20,000 | 5.74% |
Apply Now
1APR = Annual Percentage Rate. 2May 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. 3New Autos are vehicles less than 1 year old and less than 12,000 miles. 4Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc.
Used Auto Loan
Up to 120% of Retail Kelley Blue Book5
| Used Auto Loan Purchase³ (Model Year 2020 and newer) | Minimum Amount | APR¹ As Low As² |
|---|---|---|
| Up to 36 Month | $2,000 | 4.99% |
| Up to 48 Months | $2,000 | 5.24% |
| Up to 66 Months | $2,000 | 5.49% |
| Up to 75 Months | $15,000 | 5.74% |
| Up to 84 Months4 | $20,000 | 5.99% |
Apply Now
1APR = Annual Percentage Rate. 2May 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. 3Used Autos are vehicles with Model Year between 2020-2026 and over 12,000 miles. 484 month terms available for used models, 2022 or newer, with a maximum mileage of 75,000 and minimum loan amount of $20,000. 5Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc.
Older Used Auto Loan
Up to 101% of Retail Kelley Blue Book
| Older Used Auto Loan Purchase³ (Model Year 2019 and older) | Minimum Amount | APR¹ As Low As² |
|---|---|---|
| Up to 36 Months | $2,000 | 5.99% |
| Up to 48 Months | $2,000 | 6.24% |
| Up to 66 Months | $2,000 | 6.49% |
| Up to 75 Months | $15,000 | 6.74% |
Apply Now
1APR = Annual Percentage Rate. 2Rates 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. 3Older Used Autos are vehicles with Model Year 2019 or older and under 75,000 miles. 4Plus Tax, Title and License plus Guaranteed Asset Protection (GAP), Service Contract, etc.
Motorcycle and Recreational Vehicle Loans
| Motorcycle and Recreational Vehicle Loans | Term | Financing Amount | Minimum Amount | APR¹ As Low As² |
|---|---|---|---|---|
| New RV³ | Up to 240 Months | Up to 90% of MSRP | $5,000 | 7.74% |
| Used RV- 10 years or newer | Up to 240 Months4 | Up to 90% of NADA | $5,000 | 7.74% |
| New Boats | Up to 84 Months | Up to 70% MSRP | $5,000 | 11.85% |
| Used Boats- 10 years or newer | 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 (2020-2026)- Excludes dirt bikes | Up to 66 Months | Up to 100% of Retail Kelley Blue Book | $5,000 | 11.85% |
Apply Now
1APR = Annual Percentage Rate. 2May 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. 3Vehicles less than 1 year old and less than 12,000 miles. 4181-240 month term offered only on 2022 models or newer with less than 75,001 miles.
Mortgage Loans
| Check today's Mortgage Rates and Apply Online. |
Home Equity Loans / Equity Mortgages
| Home Equity Loans/ Second Mortgages | Loan to Value | Loan Amount | APR1 As Low As2 |
|---|---|---|---|
| HomeLine (Line of Credit)³ | 80% | $10,000 to $500,000 | 5.99% (6-month intro rate; 7.50%-12.00% thereafter) |
| Home Equity/Equity Express (Closed-End Loan) | 80% | $10,000 to $500,000 | 8.00% |
Apply Now
1APR = Annual Percentage Rate. 2Available APR ranges from 7.75% APR - 12.00% APR after the 5.99% APR 6-month introductory period ends. 3Availability 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
| Credit Card | Term | APR1 (as low as) | Annual Fee | Perks |
|---|---|---|---|---|
| Advantage Mastercard® | Variable | 14.99% | $0 | 20,000 Sign-on Bonus Points2 |
| Signature Mastercard® | Variable | 11.99% | $0 | Low Rate Credit Card |
| Credit Builder Mastercard® | Variable | 16.99% | $0 | Earn 1x Reward Point Per Dollar on Every Purchase3 |
| Secured Mastercard® | Variable | 11.99% | $0 | Credit Building |
Apply Now
1APR=Annual Percentage Rate. Qualification and rate is based on an assessment of individual creditworthiness and our underwriting standards. 2Earn To qualify for 20,000 Bonus Points, you must spend $2,000 or more on purchases using your Premier America Advantage Mastercard in the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, if applicable.) Bonus points are issued 6 to 8 weeks after all qualifications are met. Account must remain in good standing. 3Earn 1 reward point per dollar on purchases made on the Premier America Credit Builder Mastercard. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
Lines of Credit
| Lines of Credit | Available Line of Credit | APR1 (as low as) |
|---|---|---|
| Overdraft Line of Credit | $1,000+ | 15.40% |
| Premier Line of Credit | $1,000+ | 13.00% |
1APR=Annual Percentage Rate. Qualification and rate is based on an assessment of individual creditworthiness and our underwriting standards.
Personal Loans
| Description | Available Line/Loan Amount | APR1 As Low As | Conditions |
|---|---|---|---|
| Personal Loans | $500 minimum | 9.24% | Up to 60 months |
Apply Now
1APR: Annual Percentage Rate. All loans subject to credit approval. Rates, terms and conditions are subject to change. Fees and charges may apply. The minimum loan amount is $500 for a 24-month term, $2,000 for a 36-month term, $5,000 for a 48-month term, and $10,000 for a 60-month term.
Premier Easy Cash
| Description | Available Line/Loan Amount | APR1 | Conditions |
|---|---|---|---|
| Premier Easy Cash | $2,000 maximum | 28.00% | Up to 12 months |
Apply Now
1APY = Annual Percentage Yield. All loan applications are subject to review of eligibility and approval. The APR for the Premier Easy Cash loan is a fixed rate for the duration of the loan. The APR will be 28.00% APR. There is a $20.00 application fee for all applications. The minimum loan amount is $300, and the maximum loan amount is $2,000. If more than 10 days late, late charge in an amount equal to the greater of $5.00 or 5.00% of the payment due will be assessed. Loans are available to members who meet certain eligibility requirements, have been a member for 3 months and are considered a member in good standing. Not all will qualify. No minimum credit score is required. Premier Easy Cash loan is not available in branches; it is only available through online or mobile banking.
1APY = Annual Percentage Yield. All loan applications are subject to review of eligibility and approval. The APR for the Premier Easy Cash loan is a fixed rate for the duration of the loan. The APR will be 28.00% APR. There is a $20.00 application fee for all applications. The minimum loan amount is $300, and the maximum loan amount is $2,000. If more than 10 days late, late charge in an amount equal to the greater of $5.00 or 5.00% of the payment due will be assessed. Loans are available to members who meet certain eligibility requirements, have been a member for 3 months and are considered a member in good standing. Not all will qualify. No minimum credit score is required. Premier Easy Cash loan is not available in branches; it is only available through online or mobile banking.
Other Loans
| Description | Available Line/Loan Amount | APR1 As Low As | Conditions |
|---|---|---|---|
| Share Secured | $500 minimum | 3.00% above share savings rate. | Variable rate. 60 month maximum. |
| Certificate Secured | $500 minimum | Fixed rate is 3.00% above certificate rate. | Loan must mature before or at the same time as the certificate. |
Apply Now
1 APR = Annual Percentage Rate.
Business Rates
Business Checking Accounts
| Business Checking Accounts | Minimum to Open | APY1 | Rate |
|---|---|---|---|
| Free Business Checking | $25 | n/a | n/a |
| Platinum Business Checking | $25 | 0.20% | 0.19% |
Open at Nearest Branch
1APY: Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings.
Business Certificates
| Business Certificate Accounts | APY1 | Rate |
|---|---|---|
| 3-Month | 2.75% | 2.72% |
| 6-Month | 3.05% | 3.01% |
| 12-Month | 3.25% | 3.20% |
| 18-Month | 3.00% | 2.96% |
| 24-Month | 3.00% | 2.96% |
| 36-Month | 3.00% | 2.96% |
| 48-Month | 3.00% | 2.96% |
| 60-Month | 3.00% | 2.96% |
Open at Nearest Branch
1APY: Annual Percentage Yield. Penalty for early withdrawal. Minimum $1,000 to open.
Business Savings Accounts
| Business Savings Accounts | Minimum to Open | APY1 | Rate |
|---|---|---|---|
| Business Savings | $250 | 0.30% | 0.29% |
| Business Savings (Effective 5/1/26) | $250 | 0.05% | 0.05% |
Open at Nearest Branch
1APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings. Rates are rounded to 2 decimal points. Minimum to earn stated APY is $0.01.
Business Advantage Money Market Account
| Daily Balance Tiers | APY¹ | Rate |
|---|---|---|
| $0.01-$19,999.99 | 0.15% | 0.15% |
| $20,000+ | 3.15% | 3.10% |
Open at Nearest Branch
1APY: Annual Percentage Yield. The minimum opening deposit is $5.00. There is no minimum balance fee for this account. This is a variable-rate money market account based on your daily balance. 3.25% APY/3.198% Rate applicable on balances of $20,000.00 and higher. Rate may change without notice at the sole discretion of the Credit Union. Dividends are paid at the rate corresponding to each day’s full balance. The APY on the account is reduced to 0.15% APY if on any day the end of day balance falls below $20,000.00. The minimum required to earn any dividend is $0.01. Membership subject to approval.
Business Money Market Accounts
| Daily Balance Tiers | APY1 | 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% |
| $0 - $2,499.99 | 0.30% | 0.29% |
Open at Nearest Branch
1APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Premier Business Mastercard®
| Business Unsecured Lines of Credit | Loan Amount | APR1 (as low as) | Origination or Annual Fees | Minimum Adjustment Period |
|---|---|---|---|---|
| Premier Business Mastercard® | $5,000-$50,000 | 14.99% | No Annual Fee | Monthly |
Open at Nearest Branch
1APR: Annual Percentage Rate. Qualification and rate is based on an assessment of individual creditworthiness and our underwriting standards.
Business Secured Loans
| Business Secured Loans | Loan Amount | Maximum Term | APR1 | 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 |
Open at Nearest Branch
1APR: Annual Percentage Rate. 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.
Frequently asked questions & answers
If you meet the requirements for the 3.50% APY1 Dividend, then you will earn 3.50% on the first $30,000.00 and 0.10% on the remaining balance. If you don't meet the criteria for the 3.50% dividend, you will earn 0.10% on your full balance.
The requirements to earn the 3.50% dividend premium yield. 1) Conduct 15 transactions using your debit and/or credit card that must post to the statement between the first day of the month and the last day of the month and 2) Must be opted in for eStatements. If you do not meet the requirements, 0.10% APY will be paid on all balances. Any points earned on a Premier America Mastercard credit card will still accrue even if these requirements are not met. Fees may reduce earnings.
You can get the latest loan rates by visiting our rates page on our website.
You can get the latest mortgage rates by visiting our Mortgage Center.
You can get the latest deposit 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. You may also conveniently join and open your Premier America account online.