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Rates

Deposit Account Rate Schedule

The rates & terms applicable to your account at the Credit Union are provided in this Rate Schedule. The Credit Union may offer other rates for these accounts from time to time. Rates are subject to change without notice. Please refer to the Truth in Savings Disclosure in your Membership booklet for other account terms & conditions.  For a printed version of the Deposit Rate Schedule, click here.

Share Savings Accounts

Share Savings Accounts

Account Type

Dividends

Balance Requirements

 

Dividend Rate

Dividend APY*

Minimum Opening Deposit

Minimum To

Keep Open

Minimum Earning Balance

Regular Share Account

0.10%

0.10%

$5.00

$5.00

$50.00

Additional Share Account

0.10%

0.10%

$5.00

$5.00

$50.00

Zero Dividend Share Account

0.00%

0.00%

$5.00

$5.00

$0.00

Select Savings

Maturity Date  6-1 or 11-1

1.00%

1.00%

$0.00

$5.00

$0.00

Premier Property Savings*

$.01 - $30,000.00 

3.69%

3.75% $0.00 $5.00 $0.00

Premier Property Savings*

$30,000.01+

0.00%  0.00%  $0.00   $5.00 $0.00 

KidsOne $0.01 - $2,500

2.960%

3.00% $5.00 $5.00 $0.00

KidsOne $2,500.01+

0.10%

0.10%

$5.00

$5.00

$2,500.01+

SavvyOne $0.01 - $2,500 2.960% 3.00% $5.00 $5.00 $0.00
SavvyOne $2,500.01+ 0.10% 0.10% $5.00 $5.00 $2,500.01+

Trust Savings

0.10%

0.10%

$5.00

$5.00

$0.00

Business Savings

0.10%

0.10%

$25.00

$5.00

$50.00

*Premier Property Savings - PremierOne Credit Union is not responsible for the payment of your property taxes or your insurance. The Premier Property Savings is a tiered rate account. If your balance is greater than $30,000.00, the second dividend rate of 0.00% and range of annual percentage yield listed for this account will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. You must be a homeowner to qualify for this deposit account. A current mortgage statement, or some other form of proof of home ownership, may be required prior to establishing the account. Dividends, if applicable, are calculated using the average daily balance, credited and compounded monthly and earned on a calendar monthly basis. APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Credit Union Deposits are insured separately up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency.


Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis.*APY = Annual Percentage Yield. ** Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis. 

 

Truth-in-Savings Disclosure

 

SHARE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

 

1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all Share Savings, Health Savings, and Interest Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Select Savings and Premier Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Health Savings Premier Money Market, Interest Checking, and Youth accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Premier Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Health Savings, Youth, and Interest Checking accounts, each dividend rate will apply only to that portion of the account balance within each balance range. The Spend Accounts are tiered rate accounts. If your daily balance is $25,000.00 or below, and you meet all of the following minimum service requirements during the qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply for the qualification cycle: a) you have at least 15 signature-based debit card purchases; b) you have at least one qualifying automatic transaction (deposit or debit); and c) you receive e-statements. If your balance is greater than $25,000.00 and you meet all of the minimum service requirements, the second dividend rate and range of annual percentage yields listed for this account will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum service requirements during the dividend period, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account. If you meet all the minimum service requirements you may also receive ATM withdrawal surcharge fee refunds.

 

2. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

 

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

 

4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all Share Savings, Health Savings, Select Savings, Premier Money Market, and Interest Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Select Savings accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

 

5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share Savings and Business Share Savings accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For Premier Money Market accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

 

6. ACCOUNT LIMITATIONS — For all Share Savings and Premier Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Select Savings accounts, the entire balance will be paid to you by check on or after June 1 or on or after November 1, whichever you choose, and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Select Savings account, you must close it. If you close your account, you will be charged a fee as stated in the Schedule of Fees and Charges. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For all other Specialty or Promotional Share Savings accounts, the specific terms, restrictions, limitations and any applicable penalty amounts will be stated on the Schedule of Fees and Charges and Rate Schedule. For IRA Share Savings accounts, see separate IRA Disclosure. For Health Account accounts, see separate HSA Disclosure. For Zero Dividend Regular Share Savings, Spend Account, Fresh Start Checking, and Standard Checking accounts, no account limitations apply.

 

7. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

 

8. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

Par Value of One Share $5.00

 

Number of Shares Required 1

 

9. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on the Rate Schedule. If you have any questions or require current rate information on your accounts, please call the Credit Union.

 

10. FEES — See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).

 

Your savings are federally insured up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency.

Share Draft Checking

Share Draft Checking

Account Type

Dividends

Balance Requirements

 

Dividend Rate

Dividend APY*

Minimum Opening Deposit

Minimum To

Keep Open

Minimum Earning Balance

PremierOne Spend Account

$0.01 - $25,000

2.960%

3.00%

$25.00

$0.00

$0.00

PremierOne Spend Account

$25,000.01 +

0.10%

0.10%

$25.00

$0.00

$25,000.01+

PremierOne Spend Account Non-Qualified

0.03%

0.03%

$25.00

$0.00

$0.00

Business Checking

0.00%

0.00%

$25.00

$0.00

$0.00

Standard Checking

0.00%

0.00%

$25.00

$0.00

$0.00

Health Savings Account**
$0 - $7,750

2.472%

2.500%

$0.00

$0.00

$0.00

Health Savings Account**
$7,750.01+

0.50%

0.50%

$0.00

$0.00

$7,750.01+

*APY = Annual Percentage Yield. **Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis. 

 

The Spend Account is a tiered rate account. The minimum to open an account is $25. Rate tiers are as follows: 2.50% APY (a dividend rate of 2.472% applies to balances of $0.01 - $25,000 and 0.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle). A 0.03% APY applies to all balances if monthly qualifications are not met. Qualifications are as follows: make at least 12 Debit card purchases, log in to Online Banking and enroll in eStatement. Rates may change after the account is opened. Offer for a limited time. There is a $2 monthly fee to receive paper statements with this account. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Qualification cycle is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. One PremierOne Spend account allowed per person. ATM Fee reimbursements up to $20 provided only if qualifications are met within the monthly qualification cycle. 2024 Cycle Calendar.

 

HSA 2023 Maximum Contribution Limits are $4,150 for Individual and $8,300 for Family. If you are 55 or older you can contribute a Catch-Up Contribution of $1,000. IRA 2023 Maximum Contribution Limit is $7,000.

 

Truth-in-Savings Disclosure

 

SHARE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

 

1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all Share Savings, Health Savings, and Interest Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Select Savings and Premier Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Health Savings Premier Money Market, Interest Checking, and Youth accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Premier Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Health Savings, Youth, and Interest Checking accounts, each dividend rate will apply only to that portion of the account balance within each balance range. The Spend Accounts are tiered rate accounts. If your daily balance is $25,000.00 or below, and you meet all of the following minimum service requirements during the qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply for the qualification cycle: a) you have at least 15 signature-based debit card purchases; b) you have at least one qualifying automatic transaction (deposit or debit); and c) you receive e-statements. If your balance is greater than $25,000.00 and you meet all of the minimum service requirements, the second dividend rate and range of annual percentage yields listed for this account will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum service requirements during the dividend period, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account. If you meet all the minimum service requirements you may also receive ATM withdrawal surcharge fee refunds.

 

2. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

 

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

 

4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all Share Savings, Health Savings, Select Savings, Premier Money Market, and Interest Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Select Savings accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

 

5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share Savings and Business Share Savings accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For Premier Money Market accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

 

6. ACCOUNT LIMITATIONS — For all Share Savings and Premier Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Select Savings accounts, the entire balance will be paid to you by check on or after June 1 or on or after November 1, whichever you choose, and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Select Savings account, you must close it. If you close your account, you will be charged a fee as stated in the Schedule of Fees and Charges. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For all other Specialty or Promotional Share Savings accounts, the specific terms, restrictions, limitations and any applicable penalty amounts will be stated on the Schedule of Fees and Charges and Rate Schedule. For IRA Share Savings accounts, see separate IRA Disclosure. For Health Account accounts, see separate HSA Disclosure. For Zero Dividend Regular Share Savings, Spend Account, Fresh Start Checking, and Standard Checking accounts, no account limitations apply.

 

7. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

 

8. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

Par Value of One Share $5.00

 

Number of Shares Required 1

 

9. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on the Rate Schedule. If you have any questions or require current rate information on your accounts, please call the Credit Union.

 

10. FEES — See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).

 

Your savings are federally insured up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency.

Premier Money Market

Premier Money Market

Account Type

Dividends

Balance Requirements

 

Dividend Rate

Dividend APY*

Minimum Opening Deposit

Minimum To

Keep Open

Minimum Earning Balance

Premier Money Market
$1,500.00 - $9,999.99

0.500%

0.50%

$1,500.00

$1,500.00

$1,500.00

Premier Money Market
$10,000.00 - $49,999.99

1.000%

1.00%

$1,500.00

$1,500.00

$10,000.00

Premier Money Market
$50,000.00 - $249,999.99

1.740%

1.75%

$1,500.00

$1,500.00

$50,000.00

Premier Money Market
$250,000.00 +

1.980%

2.00%

$1,500.00

$1,500.00

$250,000.00

Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis. *APY = Annual Percentage Yield. Fees could reduce the earnings on the account.

 

Truth-in-Savings Disclosure

 

SHARE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are share accounts.

 

1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all Share Savings, Health Savings, and Interest Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Select Savings and Premier Money Market accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Health Savings Premier Money Market, Interest Checking, and Youth accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Premier Money Market accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Health Savings, Youth, and Interest Checking accounts, each dividend rate will apply only to that portion of the account balance within each balance range. The Spend Accounts are tiered rate accounts. If your daily balance is $25,000.00 or below, and you meet all of the following minimum service requirements during the qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply for the qualification cycle: a) you have at least 15 signature-based debit card purchases; b) you have at least one qualifying automatic transaction (deposit or debit); and c) you receive e-statements. If your balance is greater than $25,000.00 and you meet all of the minimum service requirements, the second dividend rate and range of annual percentage yields listed for this account will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum service requirements during the dividend period, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account. If you meet all the minimum service requirements you may also receive ATM withdrawal surcharge fee refunds.

 

2. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

 

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

 

4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all Share Savings, Health Savings, Select Savings, Premier Money Market, and Interest Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Select Savings accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

 

5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share Savings and Business Share Savings accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For Premier Money Market accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

 

6. ACCOUNT LIMITATIONS — For all Share Savings and Premier Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Select Savings accounts, the entire balance will be paid to you by check on or after June 1 or on or after November 1, whichever you choose, and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Select Savings account, you must close it. If you close your account, you will be charged a fee as stated in the Schedule of Fees and Charges. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For all other Specialty or Promotional Share Savings accounts, the specific terms, restrictions, limitations and any applicable penalty amounts will be stated on the Schedule of Fees and Charges and Rate Schedule. For IRA Share Savings accounts, see separate IRA Disclosure. For Health Account accounts, see separate HSA Disclosure. For Zero Dividend Regular Share Savings, Spend Account, Fresh Start Checking, and Standard Checking accounts, no account limitations apply.

 

7. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

 

8. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

Par Value of One Share $5.00

 

Number of Shares Required 1

 

9. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on the Rate Schedule. If you have any questions or require current rate information on your accounts, please call the Credit Union.

 

10. FEES — See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).

 

Your savings are federally insured up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency.

IRA Accounts and IRA Share Certificates

IRA Accounts and Share Certificates

Account Type

Dividends

Balance Requirements

 

Dividend Rate

Dividend APY*

Minimum Opening Deposit

Minimum To

Keep Open

Minimum Earning Balance

Traditional, Roth and Educational IRA Share Accounts

IRA Share Account
$0.00 - $24,999

2.960%

3.00%

$0.00

$0.00

$0.00

IRA Share Account
$25,000.00 +

3.443%

3.50%

$0.00

$0.00

$25,000.00+

Dividends for Traditional, Roth and Educational IRA Share Accounts are calculated using the Average Daily Balance for each day in the posting period, credited and compounded monthly and earned on a calendar monthly basis.

Account Type

Dividends

Balance Requirements

 

Dividend Rate

Dividend APY*

Minimum Opening Deposit

Minimum To

Keep Open

Minimum Earning Balance

IRA Share Certificates

3-month IRA Share Certificate
$1,000.00  +

 

0.600%

0.60%

$1,000.00

$1,000.00

$1,000.00

6-month IRA Share Certificate
$1,000.00 +

 

2.230%

2.25%

$1,000.00

$1,000.00

$1,000.00

12-month IRA Share Certificate
$1,000.00 +

 

4.650%

4.75%

$1,000.00

$1,000.00

$1,000.00

18-month IRA Share Certificate
$1,000.00 +

 

3.930%

4.00%

$1,000.00

$1,000.00

$1,000.00

24-month IRA Share Certificate
$1,000.00 +

 

4.890%

5.00%

$1,000.00

$1,000.00

$1,000.00

36-month IRA Share Certificate
$1,000.00 +

 

3.690%

3.75%

$1,000.00

$1,000.00

$1,000.00

36-month BOOST IRA Share Certificate**
$1,000.00 +

 

3.445%

3.50%

$1,000.00

$1,000.00

$1,000.00

48-month IRA Share Certificate
$1,000.00 +

 

3.930%

4.00%

$1,000.00

$1,000.00

$1,000.00

60-month IRA Share Certificate
$1,000.00 +

 

4.170%

4.25%

$1,000.00

$1,000.00

$1,000.00

Dividends for Traditional, Roth and Educational IRA Share Accounts are calculated using the Average Daily Balance for each day in the posting period, credited and compounded monthly and earned on a calendar monthly basis.

 

*APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis.

 

IRA 2024 Maximum Contribution Limit is $7,000. If you are 50 or older you can contribute a Catch-Up Contribution of $1,000.

 

**Boost IRA Share Certificate matures after 36 months, after which it will be transferred into a regular 36 month IRA Share Certificate.

 

IRA’s are insured separately up to $250,000 by the NCUA, National Credit Union Administration, a U.S. government agency. 

 

Share Certificates

Regular Share Certificates

 

Account Type

Dividends

Balance Requirements

 

Dividend Rate

Dividend APY*

Minimum Opening Deposit

Minimum To

Keep Open

Minimum Earning Balance

Regular Share Certificates

3-month Share Certificate
$1,000.00  +

 

0.10%

0.10%

$1,000.00

$1,000.00

$1,000.00

6-month Share Certificate
$1,000.00 +

 

1.740%

1.75%

$1,000.00

$1,000.00

$1,000.00

12-month Share Certificate
$1,000.00 +

 

4.170%

4.25%

$1,000.00

$1,000.00

$1,000.00

18-month Share Certificate
$1,000.00 +

 

3.445%

3.50%

$1,000.00

$1,000.00

$1,000.00

24-month Share Certificate
$1,000.00 +

 

3.930%

4.00%

$1,000.00

$1,000.00

$1,000.00

36-month Share Certificate
$1,000.00 +

 

3.200%

3.25%

$1,000.00

$1,000.00

$1,000.00

36-month BOOST Share Certificate**
$1,000.00 +

 

2.960%

3.00%

$1,000.00

$1,000.00

$1,000.00

48-month Share Certificate
$1,000.00 +

 

3.445%

3.50%

$1,000.00

$1,000.00

$1,000.00

60-month Share Certificate
$1,000.00 +

 

3.690%

3.75%

$1,000.00

$1,000.00

$1,000.00

 

*APY = Annual Percentage Yield. Fees could reduce the earnings on the account. Dividends, if applicable, are calculated using the Average Daily Balance, credited and compounded monthly and earned on a calendar monthly basis. 

 

**Boost Share Certificate matures after 36 months, after which it will be transferred into a regular 36 month Share Certificate.

 

Truth-in-Savings Disclosure 

 

CERTIFICATE ACCOUNTS - Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in- Savings Disclosure are share accounts.

 

1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The Share Certificate and IRA Share Certificate are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

 

2. DIVIDEND PERIOD — For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date.

 

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends are stated in the Rate Schedule.

 

4. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

 

5. ACCRUAL OF DIVIDENDS — For Share Certificate and IRA Share Certificate accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share Certificate and IRA Share Certificate accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

 

6. TRANSACTION LIMITATIONS — For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals subject to the early withdrawal penalties stated below and your account will be closed. Partial withdrawals are not allowed.

 

7. MATURITY — Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.

 

8. EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date.

 

a. Amount of Penalty. For Share Certificate and IRA Share Certificate accounts, the amount of early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

 

Terms of 12 months or less

Up to 3 months’ dividends and all accrued dividends

Terms longer than 12 months

Up to 6 months’ dividends and all accrued dividends

 

b. How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the dividends that have been earned on the account. The penalty will not be deducted from the account principal.

 

c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

(i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

(ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled.

 

9. RENEWAL POLICY — The renewal policy for your accounts is stated in the Rate Schedule. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

 

10. NONTRANSFERABLE/NONNEGOTIABLE — Your account is nontransferable and nonnegotiable.

 

11. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

Par Value of One Share $5.00

 

Number of Shares Required 1

Loan Rate Schedule

The current rates and terms for loans at the Credit Union are provided in this Rate Schedule. Rates subject to change without notice. See individual loan type for rate details.

Vehicle Loans

New/Used Vehicle Loans

New/Used Vehicle Loans

 

Minimum Loan Amount

Approximate Term

As Low as APR*

 

 

New Vehicles 

Up to 125% financing
No previous owner

 **available for FICOs 720+

Starting at $1,000

1 - 36 months

6.75%

$5,000

37 - 48 months

6.85%

$7,500

49 - 60 months

6.95%

$7,500

61 - 66 months

7.05%

$15,000

67 - 72 months

7.20%

$25,000

73 - 84 months

7.75%

**$50,000

**85 - 96 months

**8.50%

Used Vehicles 

Up to 125% financing
Previous owner, or refinance

 

Starting at $1,000

1 - 36 months

6.80%

$5,000

37 - 48 months

6.90%

$7,500

49 - 60 months

7.00%

$7,500

61 - 66 months

7.15%

$15,000

67 - 72 months

7.35%

$25,000

73 - 84 months

7.80%

*APR = Annual Percentage Rate. Rate shown is the as low as rate and is based on term, value ratio, and credit score. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested, the loan to value ratio, and by the applicant's individual credit score. As low as rates based on a fico score of 760 or above, and qualified down payment when applicable. Terms available per individual based on credit score. 96-month term available for FICOs 720+. For more information call 408.524.4500.

Other Vehicle Loans

Other Vehicle Loans

 

Minimum Loan Amount

Approximate Term

As Low as APR*

First Time Buyer/Limited Credit - New Auto

No previous owner
Up to 105% financing

 

$1,000

1 - 36 months

6.75%

$5,000

37 - 48 months

6.85%

$7,500

49 - 60 months

6.95%

$7,500

61 - 66 months

7.05%

$15,000

67 - 72 months

7.20%

First Time Buyer/Limited Credit - Used Auto

Previous owner, or refinance
Up to 105% financing

 

$1,000

1- 36 months

6.80%

$5,000

37 - 48 months

6.90%

$7,500

49 - 60 months

7.00%

$7,500

61 - 66 months

7.15%

$15,000

67 - 72 months

7.35%

New and Used Motorcycles

New: No previous owner, up to 125% financing

Used: Previous owner, or refinance

 

$1,000

1 - 24 months

6.24%

$5,000

25 - 36 months

6.49%

$5,000

37 - 48 months

6.74%

$7,500

49 - 60 months

6.99%

$20,000

67 - 72 months

7.24%

New RV’s, Boats, Watercrafts

No previous owner
Up to 100% financing

**240 Month Term for RV's Only

 

$5,000

1 - 48 months

6.99%

$20,000

49 - 72 months

7.49%

$30,000

73 - 120 months

7.99%

$50,000

121 - 180 months

8.74%

$50,000** 

181 - 240 months** 

9.24%**

Used RV’s, Boats, Watercrafts

Previous owner, or refinance
Up to 90% financing

**240 Month Term for RV's Only

 

$5,000

1 - 48 months

7.09%

$20,000  49 - 72 months 7.59%
$30,000 73 - 120 months 8.49%

$50,000

121 - 180 months

9.49%

 $50,000**

181 - 240 months**

10.49%**

*APR = Annual Percentage Rate. Rate shown is the as low as rate and is based on term, value ratio, and credit score. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval.  Actual rate offered is determined by the loan term requested, the loan to value ratio, and by the applicant's individual credit score. ** For terms greater than 15 years and up to 20 years, a minimum down payment 10% and financed of $50,000 or more are required. Terms available per individual based on credit score. **240 Month Term for RV's Only. For more information call 408.524.4500.

Consumer Loans

Consumer Loans

Consumer Loans

 

Minimum Loan Amount

Approximate Term

As low as APR*

Go Green Unsecured

$15,000 Minimum; $50,000 Maximum

 

$15,000

49 - 60 months

7.75%

$15,000

61 - 72 months

8.50%

$15,000

73 - 84 months

9.00%

$15,000

85 - 120 months

9.25%

$15,000

121 - 180 months

9.50% 

Personal / Signature Loan*

$500 Minimum; $50,000 Maximum

 

$500

1 - 24 months

10.50%

$3,000

25 - 36 months

10.75%

$5,000

37 - 48 months

11.00%

$10,000

49 - 60 months

11.25%

Bill Consolidation*

$500 Minimum; $50,000 Maximum

 

 

 

$500

1 to 24 months

11.00%

$3,000

25 to 36 months

11.25%

$5,000

37 to 48 months

11.50%

$10,000

49 to 60 months

11.75%

PremierCashLoan**

$500 Minimum; $2,500 Maximum

 

$500

up to 12 months

18.75%

Share Secured Loan

$500 Minimum; Share Balance is Loan Amount Maximum
Borrow up to amount in regular Share Account less $5 required balance

 

$500

up to 60 months

3.00% over Regular Share Rate

CD Secured

$500 Minimum; Share Certificate Balance is Loan Amount Maximum
Borrow up to amount in Share Certificate Account

 

$500

term matches CD maturity

3.00% over CD Rate

Tax loan*

$500 Minimum; $15,000 Maximum

 

$500

up to 12 months

9.24%

Student Relief Loan***

$1,000 Minimum; $75,000 Maximum

Unsecured Loan

Minimum Term 5 years

Maximum Term 20 years

 

 

$1,000  49 - 60 months

6.74% 

$1,000 61 - 72 months  7.75%
$1,000 73 - 84 months  8.75% 
$1,000 85 - 240 months 9.75% 

*APR = Annual Percentage Rate. Rates shown are lowest rates for loans up to 24 months. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit score. As low as rates may include a credit score of 760 or above.

**APR = Annual Percentage Rate. Some restrictions may apply. Not all applicants will qualify, subject to credit approval. This loan may not be funded to pay off other PremierOne Credit Union loans. Limit one PremierCash Loan per member. Must be 18+ over to be eligible. PremierOne Credit Union reserves the right to cancel or change this offer at any time. See website for more details.

***APR = Annual Percentage Rate. One Student Relief Loan per member. Actual rate offered is determined by the loan term requested, and by the applicant’s individual credit score. All loans are subject to credit approval. Rates and terms are set by credit union and may change without notice. To qualify for this offer applicant must be a member of the credit union and be in good standing. Some restrictions may apply

 

Home Loans

Home Equity

Home Equity

 

Minimum Loan Amount

Approximate Term

As Low As APR*

Home Equity Line of Credit*

Owner Occupied
$5,000 Minimum; $500,000 Maximum
Up to 80% of appraised Value, less first mortgage balance
California owner-occupied property only
As low as Prime–1%, Floor rate 4.50%

Loan-to-value-restrictions apply

 

$5,000

5 yr draw/10 yr repay

7.50%

$5,000

10 yr draw/15 yr repay

7.50%

$5,000

10 yr draw/15 yr repay with fully amortized payments during the entire term of HELOC

7.50%

Go Green Secured— Home Equity Loan**

$25,000 Minimum; $500,000 maximum
Up to 80% of appraised Value, less first mortgage balance

No points
California owner-occupied property only
Proof of “Green” Purchase required

Loan-to-value restrictions apply

 

$25,000

5 years

7.250%

$25,000

7 years

7.375%

$25,000

10 years

7.500%

$25,000

15 years

7.625%

$25,000

20 years

7.875%

$25,000

25 years

8.000%

Home Equity Loan***

2nd Deed of Trust

$5,000 Minimum; $500,000 Maximum
No points
Up to 80% of appraised Value, less first mortgage balance, restrictions apply
California owner-occupied property only

Loan-to-value restrictions apply

 

$5,000

5 years

7.750%

$5,000

7 years

7.875%

$5,000

10 years

8.000%

$5,000

15 years

8.125%

$5,000

20 years

8.375%

$5,000

25 years

8.500%

ADU Home Equity Line of Credit****

Owner Occupied

$5,000 Minimum; $500,000 Maximum

Up to 90% of appraised Value, less first mortgage balance
California owner-occupied property only

As low as Prime+1%, Floor rate 5.50%

Loan-to-value restrictions apply

 

$5,000

2-year draw period with interest-only payment / Balloon payment due when draw period ends

9.50%

*APR = Annual Percentage Rate. This loan has a variable rate. The annual percentage rate may change quarterly on the first day of January, April, July and October. Minimum lifetime APR is 4.50%. Maximum lifetime APR is 18.00%. APR is subject to change without notice. The APR is based on an index. The index is the WSJ Prime rate. Actual rate determined by the applicant's individual credit profile. As low as rate includes a credit score of 760 or above. The minimum credit advance that you can receive is $5,000 for the first advance and $300 for each subsequent advance. We will charge your account $20.00 if you request an advance for less than the minimum advance amount permitted under this agreement. If you do not keep your line of credit open for at least 36 months, you will reimburse PremierOne Credit Union for the actual amount PremierOne Credit Union paid towards the cost of establishing your line of credit. Lines must be secured by first or second deed of trust on your personal 1-4 unit residence in California. All loans are subject to credit approval. Some restrictions apply.  Note: Rates listed as "current" are the as low as rate.

**APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 760 or above and 80% combined loan-to-value or lower.

***APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 760 or above. 

****APR = Annual Percentage Rate. This loan has a variable rate. The annual percentage rate may change monthly on the first day of each month. Minimum lifetime APR is 5.50%. Maximum lifetime APR is 18.00%. The rate cannot increase or decrease more than 6.00% in any one-year period nor increase or decrease more than 2.00% at each adjustment. APR is subject to change without notice. The APR is based on an index. The index is the WSJ Prime rate. Actual rate determined by the applicant's individual credit profile. As low as rate includes a credit score of 760 or above. The minimum credit advance that you can receive is $5,000 for the first advance and $300 for each subsequent advance. We will charge your account $20.00 if you request an advance for less than the minimum advance amount permitted under this agreement. All home improvements must comply with all applicable state, local laws and regulation, including zoning regulations. All permits and approvals must be obtained. Lines must be secured by first or second deed of trust on your personal 1-4 unit residence in California. All loans are subject to credit approval. Some restrictions apply. Note: Rates listed as "current" are the as low as rate.

First Mortgage

First Mortgage

 

Minimum Loan Amount

Approximate Term

As Low As APR*

First Mortgage on Primary Residence^

Please call or visit our Web site for all details

California owner-occupied property only

 

 

Fixed Rate, $100,000 - $766,550

10 years

6.750%

Fixed Rate, $766,551 - $1,149,825

10 years

7.125%

Fixed Rate, $1,149,826 - $1.5 mil

10 years

7.125%

Fixed Rate, $100,000 - $766,550

15 years

6.875%

Fixed Rate, $766,551 - $1,149,825

15 years

7.125%

Fixed Rate, $1,149,826 - $1.5 mil

15 years

7.125%

Fixed Rate, $100,000 - $766,550

20 years

7.000%

Fixed Rate, $766,551 - $1,149,825

20 years

7.625%

Fixed Rate, $1,149,826 - $1.5 mil

20 years

7.625%

Fixed Rate, $100,000 - $766,550

30 years

7.125%

Fixed Rate, $766,551 - $1,149,825

30 years

7.625%

Fixed Rate, $1,149,826 - $1.5 mil

30 years

7.625%

Adjustable Rate, $100,000 - $766,550

3/1

6.625%

Adjustable Rate, $766,551 - $1,149,825

3/1

6.875%

Adjustable Rate, $1,149,826 - $1.5 mil

3/1

6.750%

Adjustable Rate, $100,000 - $766,550

5/1

7.000%

Adjustable Rate, $766,551 - $1,149,825

5/1

6.875%

Adjustable Rate, $1,149,826 - $1.5 mil

5/1

6.875%

Adjustable Rate, $100,000 - $766,550

7/1

7.250%

Adjustable Rate, $766,551 - $1,149,825

7/1

7.000%

Adjustable Rate, $1,149,826 - $1.5 mil

7/1

6.875%

Adjustable Rate, $100,000 - $766,550

10/1

7.250%

Adjustable Rate, $766,551 - $1,149,825 10/1 7.125%
Adjustable Rate, $1,149,826 - $1.5 mil 10/1 7.125%

First Time Home Buyers

First Mortgage on Primary Residence^^^^^

California owner-occupied property only

 

 

Fixed Rate, $100,000 - $766,550

30 years

6.875%

Fixed Rate, $766,551 - $1,149,825

30 years

7.375%

Fixed Rate, $1,149,826 - $1.5 mil

30 years

7.375%

Adjustable Rate, $100,000 - $766,550 5/1 years

6.750%

Adjustable Rate, $766,551 - $1,149,825 5/1 years 6.625%

Adjustable Rate, $1,149,826 - $1.5 mil

5/1 years

6.625%

Adjustable Rate, $100,000 - $766,550

7/1 years

7.000%

Adjustable Rate, $766,551 - $1,149,825

7/1 years

6.750%

Adjustable Rate, $1,149,826 - $1.5 mil

7/1 years

6.625%

Adjustable Rate, $100,000 - $766,550

10/ years

7.000%

Adjustable Rate, $766,551 - $1,149,825 10/ years 6.875%
Adjustable Rate, $1,149,826 - $1.5 mil 10/ years 6.875%

First Mortgage — Vacation/Second Home

Up to 80% financing

California owner-occupied property only

 

Fixed Rate, $100,000 - $766,550

10 years

7.000%

Fixed Rate, $766,551 - $1,149,825

10 years 

7.375% 

Fixed Rate, $1,149,826 - $1 .5 mil

10 years 

7.375% 

 Fixed Rate, $100,000 - $766,550

15 years 

7.125% 

Fixed Rate, $766,551 - $1,149,825

15 years 

7.375%  

Fixed Rate, $1,149,826 - $1.5 mil

15 years 

7.375%  

Fixed Rate, $100,000 - $766,550

20 years 

7.250%  

Fixed Rate, $766,551 - $1,149,825

20 years 

7.875% 

Fixed Rate, $1,149,826- $1.5 mil

 20 years

7.875%  

 Fixed Rate, $100,000 - $766,550

 30 years

7.375% 

Fixed Rate, $766,551 - $1,149,825

30 years 

7.875%  

Fixed Rate, $1,149,826 - $1.5 mil

30 years 

7.875%

Adjustable Rate, $100,000 - $766,550 

3/1 

6.875%  

Adjustable Rate, $766,551 - $1,149,825

3/1

7.000%

Adjustable Rate, $100,000 - $766,550

5/1

7.250%

Adjustable Rate, $766,551 - $1,149,825

5/1

7.375%

Adjustable Rate, $100,000 - $766,550

7/1

7.500%

Adjustable Rate, $766,551 - $1,149,825

7/1

7.500%

Adjustable Rate, $100,000 - $766,550

10/1

7.500%

Adjustable Rate, $766,551 - $1,149,825 10/1 7.625%

Investment Property Loans^^

California property only

Up to 70% financing

 

 

Fixed Rate, $100,000 up to $766,550

15 years

7.625%

Fixed Rate, $766,551 - $1,149,825

15 years

8.250%

Fixed Rate, $100,000 $766,550

30 years

7.875%

Fixed Rate, $766,551 - $1,149,825

30 years

8.750%

Investment Property Loan Cash out Refinance^^^

California property only

Up to 65% financing

 

Fixed Rate, $100,000 up to $766,550

15 years

8.125%

Fixed Rate, $766,551 - $1,149,825

15 years

8.750%

Fixed Rate, $100,000 $766,550

30 years

8.375%

Fixed Rate, $766,551 - $1,149,825

30 years

9.250%

^APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Minimum loan is $100,000. Posted rates include a credit score of 720 or above, 50% loan-to-value or lower, and qualified down payment when applicable. Variable rate first mortgages are tied to the 1 Year Constant Maturity Treasury (CMT) index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. 

^^APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 720 or above and 70% loan-to-value or lower. Eligible Properties include non-owner-occupied single-family home, condo, townhouse, or 2-4 family residence.  Maximum loan-to value is 70%. For more information call 408.524.4500.

^^^ APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Posted rates include a credit score of 720 or above and 65% loan-to-value or lower. Eligible Properties include non-owner-occupied single-family home, condo, townhouse, or 2-4 family residence. Maximum loan-to value is 65%. For more information call 408.524.4500.

^^^^^APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Minimum loan is $100,000. Variable rate first mortgages are tied to the 1 Year Constant Maturity Treasury (CMT) index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. Financing available up to 97% for borrowers who qualify for Private Mortgage Insurance (PMI). Must be a member of the credit union to fund a loan. A First Time Home Buyer is an individual that hasn’t owned a home in the past three years.

Credit Cards

Credit Cards

Credit Cards

Visa Classic

 

3.99% Introductory APR* for a period of nine billing cycles. After that, your APR* will be between 12.90%± and 18.90%. 

APR for Purchases

as low as 12.90%

APR for Cash Advance

as low as 12.90%

Balance Transfer

as low as 12.90%

Grace Period for Purchases

25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (including New Purchases)

Annual Fee

$0.00

Minimum Finance Charge

$0.00

Transaction Fee for Purchases

$0.00

Balance Transfer Fee

3.50%

Late Payment Fee (more than 10 days late)

$10

Over-the-Credit Limit Fee

$0.00

Visa Platinum

 

1.99% Introductory APR* for a period of nine billing cycles. After that, your APR* will be 9.90%+. 

APR for Purchases

9.90%

APR for Cash Advance

9.90%

Balance Transfer

9.90%

Grace Period for Purchases

25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (including New Purchases)

Annual Fee

$0.00

Minimum Finance Charge

$0.00

Transaction Fee for Purchases

$0.00

Balance Transfer Fee

3.50%

Late Payment Fee (more than 10 days late)

$10

Over-the-Credit Limit Fee

$0.00

Visa Gold

 

2.99% Introductory APR* for a period of nine billing cycles. After that, your APR* will be between 14.00%± and 15.00%. 

 APR* for Purchases as low as WSJ Prime Rate 

+ 6% (Variable Rate) 

APR for Cash Advance

14.00% - 15.00%

Balance Transfer

14.00% - 15.00%

Grace Period for Purchases

25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (including New Purchases)

Annual Fee

$0.00

Minimum Finance Charge

$0.00

Transaction Fee for Purchases

$0.00

Balance Transfer Fee

3.50%

Late Payment Fee (more than 10 days late)

$10

Over-the-Credit Limit Fee

$0.00

Visa Classic (Share Secured)

 

APR* for Purchases as low as 9.90%±

Other APRs Cash Advance

as low as 9.90%

Balance Transfer

as low as 9.90%

Grace Period for Purchases

25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (including New Purchases)

Annual Fee

$0.00

Minimum Finance Charge

$0.00

Transaction Fee for Purchases

$0.00

Balance Transfer Fee

3.50%

Late Payment Fee (more than 10 days late)

$10

Over-the-Credit Limit Fee

$0.00

±Visa Classic Actual rate offered determined by individual credit score. As low as rate includes a credit score of 760 or above.

+Visa Platinum Actual as low as rate includes a credit score of 760 or above.

±Visa Gold Actual variable rate offered determined by individual credit score. As low as rate includes a credit score of 760 or above.

±Visa Classic (Share Secured) Actual rate offered determined by individual credit score. As low as rate includes a credit score of 760 or above.

*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval.

.

 

New Auto*

6.75%
APR

24-Month IRA Share Certificate*

5.00%
APY

Home Equity Line of Credit*

7.50%
APR

Checking*

3.00%
APY

More Rates

 

If you are using a screen reader or other auxiliary aid and having problems using this website, please call 408-524-4500 or 855-500-7128 for assistance. 

 

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