Rates

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Savings Rates

All rates subject to change. Membership eligibility required. 

♦Includes Health Savings Accounts (HSA)

Share Accounts

Comparison table of Share Accounts
Share Type	Minimum Dividend Balance	Dividend Rate	Annual Percentage Yield^*	Dividend Period
Share/Open Deposit♦	$25.00	0.25%	0.25%	Monthly
Christmas	$25.00	0.25%	0.25%	Monthly
Escrow	$25.00	0.25%	0.25%	Monthly
Share Draft	$2,500.00	0.25%	0.25%	Monthly

Money Management Accounts | Health Savings Money Management Accounts

Comparison table of Money Management Accounts | Health Savings Money Management Accounts
Dividend Balance	Dividend Rate	Annual Percentage Yield^*	Dividend Period
$25–$2,999.99	0.25%	0.25%	Monthly
$3000 - $7,499.99	0.30%	0.30%	Monthly
$7500 - $14,999.99	0.40%	0.40%	Monthly
$15,000–$49,999.99	0.50%	0.50%	Monthly
$50,000 & over	0.60%	0.60%	Monthly

Share Certificates

Comparison table of Share Certificates
Share Type	Minimum Dividend Balance	Dividend Rate	Annual Percentage Yield^*	Dividend Period
3 Month Certificate ♦	$500.00	0.30%	0.30%	Monthly
6 Month Certificate ♦	$500.00	0.35%	0.35%	Monthly
12 Month Certificate ♦	$500.00	0.50%	0.50%	Monthly
18 Month Certificate ♦	$500.00	0.55%	0.55%	Monthly
30 Month Certificate ♦	$500.00	0.60%	0.60%	Monthly
48 Month Certificate ♦	$500.00	1.00%	1.01%	Monthly

Individual Retirement Accounts

Comparison table of Individual Retirement Accounts
Share Type	Minimum Dividend Balance	Dividend Rate	Annual Percentage Yield^*	Dividend Period
IRA Open Deposit	$25.00	0.25%	0.25%	Monthly

Individual Retirement Account Share Certificates

Comparison table of Individual Retirement Account Share Certificates
Share Type	Minimum Dividend Balance	Dividend Rate	Annual Percentage Yield^*	Dividend Period
12 Month Certificate	$500.00	0.50%	0.50%	Monthly
12 Month Certificate	$15,000.00	0.50%	0.50%	Monthly
12 Month Certificate	$25,000.00	0.50%	0.50%	Monthly
18 Month Certificate	$500.00	0.55%	0.55%	Monthly
18 Month Certificate	$15,000.00	0.55%	0.55%	Monthly
18 Month Certificate	$25,000.00	0.55%	0.55%	Monthly
30 Month Certificate	$500.00	0.60%	0.60%	Monthly
30 Month Certificate	$15,000.00	0.60%	0.60%	Monthly
30 Month Certificate	$25,000.00	0.60%	0.60%	Monthly
48 Month Certificate	$500.00	1.00%	1.01%	Monthly
48 Month Certificate	$25,000.00	1.00%	1.01%	Monthly
48 Month Certificate	$25,000.00	1.00%	1.01%	Monthly

consumer Loan Rates

Individual credit score may affect posted rate | Not all applicants will qualify for the lowest rate | Membership Eligibility Required

Rates may change without further notice | *APR = Annual Percentage Rate

Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2022 - Newer

Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2022 - Newer
Term	APR^*+	Monthly Payment Example^**
36 months	4.50%	$29.75
48 months	4.75%	$22.92
60 months	5.00%	$18.88
72 months	5.50%	$16.34

Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2017 - 2021

Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2017 - 2021
Term	APR^*+	Monthly Payment Example^**
36 months	5.50%	$30.20
48 months	5.75%	$23.37
60 months	6.00%	$19.34

Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2016 - Older

Comparison table of Autos, RVs, Motorcycles, Boats, etc. | Titled Collateral •
2016 - Older
Term	APR^*+	Monthly Payment Example^**
36 months	6.50%	$30.65
48 months	6.75%	$23.84

ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2022 - Newer

Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2022 - Newer
Term	APR^*+	Monthly Payment Example^**
36 months	6.00%	$30.43
48 months	6.25%	$23.61
60 months	6.50%	$19.57
72 months	7.00%	$17.05

ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2017 - 2021

Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2017 - 2021
Term	APR^*+	Monthly Payment Example^**
36 months	7.25%	$31.00
48 months	7.50%	$24.18
60 months	7.75%	$20.16

ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2016 - Older

Comparison table of ATVs, UTVs, Snowmobiles, Boats, Trailers, etc. | Untitled Collateral •
2016 - Older
Term	APR^*+	Monthly Payment Example^**
36 months	8.50%	$31.57
48 months	8.75%	$24.77

VISA^® Credit Card

Share/Share Certificate Secured Loan

3.00% Over Dividend Rate

Kwik Cash

12.50% APR

Unsecured Loan •

Comparison table of Unsecured Loan •
Term	APR^*+	Monthly Payment Example^**
36 Month	9.50%	$32.04

Mortgage Rates

Check out Premier Financial Credit Union's Limited Time 15 Year Fixed Rate Mortgage Special

Click to Learn More!

Membership Eligibility Required. Individual credit score, debt ratio and loan to value may affect posted rate.

*APR = Annual Percentage Rate.

Rates may change without further notice. Credit Union NMLSR ID# 705211. Phone: 920.898.4232 for current rates.

Loan rates effective: 01/02/2025.

Adjustable-Rate Mortgage | Owner Occupied & Second Home

Comparison table of Adjustable-Rate Mortgage | Owner Occupied & Second Home
Mortgage Type	Term	^◊Interest Rate	APR^*	Monthly Payment Example⁺
First Mortgage	61/24 Mo	5.750%	5.797%	$583.68
Second Mortgage	61/24 Mo	5.750%	6.555%	$83.05

◊The initial rate is not based on the established index and is based on the borrower's credit worthiness. The interest rate, APR, and margin listed are based on a credit score of 740 or greater. The first interest rate adjustment will occur in 61 months and every 24 months thereafter. +First Mortgage: Monthly payment based on a loan amount of $100,000.00 and 30-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 1/02/2025): 7.25% APR, amortized for 299 months, with an estimated loan balance of $92,617.41 the monthly payment will be $670.34. Second Mortgage: Monthly payment based on a loan amount of $10,000.00 and 15-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 1/02/2025): 7.25% APR, amortized for 119 months, with an estimated loan balance of $7,517.47 the monthly payment will be $88.76. A processing fee is included in these examples. These payment examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater. The APR is variable and subject to change after the 61 months and may cause the payment to increase. Index = Prime Rate published in the Wall Street Journal. See credit union for full details.

Fixed Rate Mortgage

Comparison table of Fixed Rate Mortgage
Term	Interest Rate	APR^*	Monthly Payment Example⁺
7 Year (84 Mo)	5.250%	5.551%	$712.51
10 Year (120 Mo)	5.500%	5.718%	$542.60

Mobile Home Balloon *** •

Comparison table of Mobile Home Balloon *** •
Term	APR^*+	Monthly Payment Example^**
61 Month	7.75%	$19.89

Construction Loan

Home Equity Line of Credit (REAP®)

Comparison table of Home Equity Line of Credit (REAP®)
Rate Type	APR^*
Variable Rate	7.50%
Fixed Rate	7.25%

Real Estate Balloon Non-Owner Occupied & Vacant Land

Comparison table of Real Estate Balloon Non-Owner Occupied & Vacant Land
Mortgage Type	Term	Interest Rate	APR^*	Monthly Payment Example⁺
First Mortgage	24 MO	6.000%	6.272%	$716.49
First Mortgage	36 MO	6.250%	6.439%	$730.99
First Mortgage	60 MO	6.500%	6.624%	$745.63
Second Mortgage (First Mortgage at PFCU)	24 MO	6.000%	8.848%	$84.39
Second Mortgage (First Mortgage at PFCU)	36 MO	6.250%	8.255%	$85.75
Second Mortgage (First Mortgage at PFCU)	60 MO	6.500%	7.846%	$87.12
Second Mortgage	24 MO	7.000%	9.867%	$89.89
Second Mortgage	36 MO	7.250%	9.275%	$91.29
Second Mortgage	60 MO	7.500%	8.866%	$92.71

Long Term Fixed Mortgages | Saleable Loans


Term	Description
10 Year	Purchase or Refinance
15 Year	Purchase or Refinance
20 Year	Purchase or Refinance
30 Year	Purchase or Refinance