Young man using laptop at home

Rates & Fees

Here is our latest Fee Schedule 

4/1/2022
New Auto Loans
(2021-2023)
Approximate Term APR**

Up to 36 months 3.19% - 10.99%

Up to 60 months 3.44% - 11.69%

Up to 72 months 3.69% - 12.69%

Up to 84 months 3.94% - 6.79%

Personal Loans Amount APR**
Signature Loan 
Terms up to 60 months.
Up to $20,000 10.99% - 17.99%
Signature Line of Credit 
Annual Review 
Up to $20,000
11.99% - 16.99%



Share Secured Loans Amount APR**
Share Secured Loan
Terms up to 60 months
Up to $20,000 6.25%

Credit Cards Amount APR**
Visa Gold with Rewards 
Up to $20,000 9.99%
Visa Classic Up to $20,000
12.99%


Secured Visa 
(Requires a security share deposit for 100% of loan limit)
Up to $20,000
9.99%
Student/Starter Visa Up to $2,500
14.99%
Fresh Start Visa 
(Annual Fee = $25.00)
Up to $1,000
16.99%

Unsecured Educator Loans Amount APR**
Credential Loan
(For students of Teachers College of San Joaquin)
Up to $5,000 7.99% - 16.00%
Master's Tuition Loan
(For students of teachers college of San Joaquin)
Up to $7,500
6.99% - 15.00%


**APR = Annual Percentage Rate. Rates and terms are subject to change.
P.O. Box 8929, Stockton, CA 95208 Phone: 209-235-1100 Fax: 209-235-1121 www.premierccu.com
Rates are subject to credit approval and may be higher depending on payment term, credit rating, vehicle year, and other
qualifications. Rates as low as 5.99% APR applies to terms up to 96 months and up to 120% Loan to Value on model year 2011 or
newer. Payment example: For a $40,000 loan at 5.99% APR with a term of 96 months, the monthly payment will be $526.00.



4/1/2022

Minimum Balance
SAVINGS Variable Dividend Rate Annual Percentage Rate (APY) To Open Dividend Tiers*
Regular Share, Club, HSA,
HSF and IRA Share Accounts
$100.00 to $999.99
$1,000.00 to $24,999.99
$25,000.00 or more
0.010%
0.025%
0.025%
0.010%
0.025%
0.025%
$5.00 $100.00
$1,000.00
$25,000.00
Installment Savings (Monthly deposit to achieve a savings goal)
12-36 Months
37-60 Months
0.010%
0.025%
0.010%
0.025%
$25.00 $100.00

Minimum Balance
CERTIFICATES Variable Dividend Rate Annual Percentage Rate (APY) To Open Dividend Tiers*
Youth Savers (Formerly Treasure Hunter) and OMG! Add-on Certificate

(Minor Accounts, 12-month term, $1,000 Max, one per member)

0.995% 1.000% $50.00 $50.00
Business Certificates(Sole Proprietorship Only)
12 Months 0.100% 0.100% $5.00 $100.00
$1,000.00
$25,000.00
Certificates & IRA Certificates 
($500 Minimum for IRA Certs)
6 Months
12 Months
24 Months
36 Months
60 Months
0.050%
0.100%
0.250%
0.300%
0.499%
0.050%
0.100%
0.250%
0.300%
0.500%
$500.00 $500.00


Early Withdrawal Penalty for Certificates 12 months and under is 3 months of dividends.
Early Withdrawal Penalty for Certificates over 12 months is 6 months of dividends.
Early Withdrawal Penalty may exceed the dividends that have been earned.
Early Withdrawal Penalty for Certificates is waived where the death of the member/owner has occurred.