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Rules
1 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.
2Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Funds may be available on the day the payment file is received, which may be up to two (2) days earlier than the scheduled payment date.
3To qualify for the $25 Head Start Savings Bonus a monthly ACH Direct Deposit (minimum single deposit of $200) must be added to account in first 45 days from account opening to qualify. Offer subject to change or end without notice.
4Premier America Credit Union will not charge a fee for accessing your funds at a non CO-OP network ATM owned and operated by another financial institution or business, but you may be charged a fee by the ATM owner/operator.
5APR = Annual Percentage Rate. Rates reflect the maximum .50% discount. For all loans, except Used Auto Loans, discounts available are: .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. For Used Auto Loans, rates reflect the maximum .50% discount with available discounts: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment.
6APY = Annual Percentage Yield. Rates effective as of May 1, 2024. 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.2To qualify for the $50 Youth Smart Savings Cash Bonus, $50 in total must be deposited into the new savings share within 50 days of opening. After 50 days, if the account is in Good Standing and has received at least a $50 deposit, a $50 deposit will be made into the Youth Savings Share by Premier America. Converted Smart Savings shares are not eligible. Bonus may be subject to IRS tax reporting and member may receive a tax form from Premier America. Offer subject to change or end without notice. Offer may be combined with other offers at the sole discretion of Premier America Credit Union. 3You may not make more than six (6) withdrawals or transfers to another Credit Union account you own or to a third party by means of a preauthorized or electronic transfer or telephonic order or instruction during any calendar month. If you exceed the transfer limitations set forth above, we may close your account, convert it to a checking account, or restrict access.
A deposit of $1 into a Smart Savings account is required to join Premier America Credit Union. Federally Insured by NCUA.