Rates & Fees

Account Rates

View current rates for all Premier member accounts.

Savings and Checking Accounts

APY = Annual Percentage Yield. Dividends on Special Savings and Holiday Club dividends credit and compound annually. Basic Savings and High Yield Checking dividends credit and compound monthly. Rates subject to change after account opening and effective as of January 1,2021.

*There are requirements to earn bonus rate. Maintenance or activity fees could reduce the earnings of this account. Call Credit Union for full account details. Rates subject to change after account opening and effective as of January 1,2021.

** If you do not meet the requirements per month, your account will still function as a checking account.

Money Market Account

APY = Annual Percentage Yield. Dividends on savings are compounded monthly. Rates subject to change after account opening and effective as of January 1, 2021. Maintenance or activity fees could reduce the earning of this account.

Premier Money Market

APY = Annual Percentage Yield. Dividends on savings are compounded monthly. Rates subject to change after account opening and effective as of March 1, 2021. Maintenance or activity fees could reduce the earning of this account.

Certificates of Deposit

APY = Annual Percentage Yield. Interest credits and compounds quarterly. Rates subject to change after account opening and effective as of March 1, 2021. Interest rate is locked when account is opened. Early withdrawal penalties may be imposed. 

Loan Rates

Premier Credit Union uses personalized lending rates based on a borrower’s credit worthiness, account relationship with the credit union and usage of other credit union products and services. Rates shown are the lowest rate available. Not every borrower will qualify for the same rate. Rates are non-variable unless otherwise noted.

Auto & Recreational Vehicle Rates

Autos

Model Year As low as APR Term
2018 and Newer 1.99% 0 to 48 Months
2018 and Newer 1.99% 49 to 66 Months
2018 and Newer 3.49% 67 to 78 Months
2018 and Newer 3.99% 79 to 84 Months
2016 - 2017 2.99% 0 to 48 Months
2016 - 2017 3.49% 49 to 66 Months
2015 and Older 3.99% 0 to 48 Months

Payment Example: $30,000 for 60 months at 1.99% APR = $525.70

Recreational Vehicle

As low as APR Term
6.25% 48-Months
6.50% 60-Months
6.75% 72-months

APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of January 1, 2021. 1.00% will be added when refinancing an existing Premier loan. Payment Example: $10,000 for 48 months at 6.25% APR = $236.00.

Home Equity & Mortgage Rates

APR = Annual Percentage Rate. Appraisal fees may apply. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval. Payment Example: $30,000 for 360 months at 4.75% APR = $156.49. Payment Example: $30,000 for 60 months at 1.99% APR = $525.70. Payment Example: $15,000 for 60 months at 5.50% APR = $286.52.

Credit Cards

Credit Cards

Program Level As low as APR Minimum Credit Limit
Platinum 7.99% $5,000
Gold 10.99% $2,000
Classic 13.99% $500

APR = Annual Percentage Rate. If finance charges accrue the minimum finance charge is $0.50. Foreign transaction fee is 1% of each transaction.

Personal Loan Rates

Personal

Account Type As low as APR Term
Overdraft Protection Line of Credit** 15.00% N/A
Unsecured Personal 15.99% 24-months
Unsecured Personal 16.99% 36-months
Unsecured Personal 17.99% 48-months
Share Secured 3% over deposit APR 12-months

APR = Annual Percentage Rate. Rates quoted with all available discounts, subject to change, based on credit history, and effective as of January 1, 2021. Payment Example: $5,000 for 24 months at 15.99% APR = $244.79. **Minimum $50 payment when there is an outstanding balance.

 

What can you afford?

Our loan calculator can help you calculate a variety of possible loans. You may adjust your loan amount, interest rate, and term length.

Use our loan calculator

Fee Schedule

View fees for Premier accounts and services.

Savings/Checking

Savings/Checking Account Fees Amount
Insufficient Funds Item Returned or Paid $32.00/item*
Stop Payment $32.00/item*
Overdraft Transfer $3.00/Transfer*
Statement Copy $5.00/month*
Copies of cleared checks $5.00/item*
Money Market
Below Minimum Balance		 $10.00/month*
Money Market
Below Minimum Withdrawal		 $30.00/item
Check Printing Varies based on style

Debit/ATM Card

Debit/ATM Card Fees Amount
ATM or POS Withdrawals $0.50 after 15**
Card Replacement $10.00/card

** 15 FREE debit card – PIN-based Point of Sale purchase and ATM withdraw transactions per month at no charge. Deposit and balance inquires do not count as a transaction. Once an account reached 15 transactions within a calendar month, it will be charged a fee of $0.50 for each transaction over 15.

MasterCard Credit Card

MasterCard Credit Card Fees Amount
Annual Fee No Charge
Balance Transfer No Charge
Grace Period 25 days
Late Payment $25.00
Card Replacement $10.00/card*
Return Payment $20.00

Visa Gift/Prepaid Cards

Visa Gift/Prepaid Card Fees Amount
Gift Card Issuance $3.95/card
Reloadable Card Activation of Pre-Paid Card $5.95/card
In Branch Load of Pre-Paid Card $2.00

Wire Transfer Services

Wire Transfer Service Fees Amount
Domestic Wire $20.00/each
International Wire $40.00/each
Incoming Wire $10.00/each

Miscellaneous

Miscellaneous Fees Amount
Legal Process (Garnishment, Levy, Subpoena, etc) $30.00/item
Items Sent For Collection $20.00/item
Account Research or Statement Reconciliation (minimum 1 hour) $20.00/hour
Bad Address
(fee charged for each returned statement)		 $5.00/each
Inactivity Closure Fee $25
Cashier’s Check (1 free per calendar month) – $5.00 each
Non-member Check Issuing $5.00/check
Non-member Loose Coin Counting 5% of transaction or $1.50, whichever is greater

* Sales Tax as applicable