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Premier America Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 30, 2026
Premier America Credit Union's 12-Month CD rates are at 3.25%, 6-Month CD rates are at 3.05%, 18-Month CD rates are at 3.00%, 24-Month CD rates are at 3.00%, 36-Month CD rates are at 3.00%. Premier America Credit Union's savings rates are at 5.00%. Premier America Credit Union's money market rates are at 3.15%. Premier America Credit Union's checking rates are as high as 3.50%. Premier America Credit Union's 20 Year Fixed Conforming rates are at 6.88%. Premier America Credit Union's Personal Loan Rates are as low as 9.24%. Premier America Credit Union's Credit Card Rates are at 12.24%. Premier America Credit Union's CD rates are 9% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Premier America Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.97%. Rates last updated and verified on 10/30/2026.
Premier America Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Premier America Credit Union? Share your experience about Premier America Credit Union by leaving a review below, or read customer reviews before you decide to use Premier America Credit Union.
Premier America Credit Union has earned an overall safety grade of A (Excellent, Score: 93/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Premier America Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
13.97%
ExcellentHigher than avg
Premier America Credit Union Texas Ratio
Premier America Credit Union's Texas Ratio is 13.97%, which is considered excellent and is higher than the national average of 6.13%.
Premier America Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.65% to 13.97% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Premier America Credit Union CD Rates
Product
Rate
APY
Term
View More
12-Month Certificate
3.20%
3.25%
12-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 12-Month
3.20%
3.25%
12-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
6-Month Certificate
3.01%
3.05%
6-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 6-Month
3.01%
3.05%
6-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
18-Month Certificate
2.96%
3.00%
18-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
24-Month Certificate
2.96%
3.00%
24-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
36-Month Certificate
2.96%
3.00%
36-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
48-Month Certificate
2.96%
3.00%
48-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
60-Month Certificate
2.96%
3.00%
60-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 18-Month
2.96%
3.00%
18-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 24-Month
2.96%
3.00%
24-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 36-Month
2.96%
3.00%
36-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 48-Month
2.96%
3.00%
48-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 60-Month
2.96%
3.00%
60-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Youth Launch Certificate - 6-Month Certificate
2.95%
3.00%
6-Month
Min Deposit$100
DetailsAges: 0-17; Minor must be listed as primary owner with an adult joint owner; 6-month renewable certificate until age 18; maximum opening deposit $1,000.00; Visit A Branch to Open Account
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
3-Month Certificate
2.72%
2.75%
3-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Certificate - 3-Month
2.72%
2.75%
3-Month
Min Deposit$1,000
DetailsPenalty for early withdrawal.
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Business CD Rates
Product
Rate
APY
Term
View More
Business Certificate 18-Month
2.96%
3.00%
18-Month
No additional details.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Certificate 24-Month
2.96%
3.00%
24-Month
No additional details.
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Savings Rates
Product
Rate
APY
View More
Youth Smart Savings
4.89%
5.00%
Min Deposit$1
DetailsBalance: $0-$499.99; Visit A Branch to Open Account
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Youth Smart Savings
2.47%
2.50%
Min Deposit$1
DetailsBalance: $500-$1,999.99; Visit A Branch to Open Account
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Youth Smart Savings
0.50%
0.50%
Min Deposit$1
DetailsBalance: $2,000.00 and over; Visit A Branch to Open Account
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Regular / Holiday / IRA Savings
0.05%
0.05%
Min Deposit$1
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Smart Savings
0.05%
0.05%
Min Deposit$1
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
1.09%
1.10%
Min Balance$500,000
DetailsBalance: $500,000+; Open at Nearest Branch; APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
1.04%
1.05%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99; Open at Nearest Branch; APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
0.99%
1.00%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Open at Nearest Branch; APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
0.74%
0.75%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Open at Nearest Branch; APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
0.64%
0.65%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99; Open at Nearest Branch; APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
0.54%
0.55%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99; Open at Nearest Branch; APY: Annual Percentage Yield. Balances under the stated minimum earn 0.30% APY.
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
0.29%
0.30%
Min Deposit$250
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Savings
0.05%
0.05%
Min Deposit$250
DetailsEffective 5/1/26
Last Updated10/30/2026
Rate History
2 changes since Sep 18, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.30% / low 0.05%
Oct 19, 20260.05%▼ from 0.30%
Sep 22, 20260.30%▲ from 0.05%
Sep 18, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Money Market Rates
Product
Rate
APY
View More
Advantage IRA Money Market
3.10%
3.15%
Min Deposit$5
Min Balance$20,000
DetailsBalance: $20,000+; Rate applicable on balances of $20,000.00 and higher; Variable-rate money market based on daily balance; no minimum balance fee
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Money Market Accounts
1.09%
1.10%
Min Balance$500,000
DetailsBalance: $500,000+
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 1.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Money Market Accounts
1.09%
1.10%
Min Deposit$5
Min Balance$500,000
DetailsBalance: $500,000+; Daily balance tier; no minimum balance fee
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 1.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
IRA Money Market Accounts
1.04%
1.05%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 1.05% APY · checked 5 times
No change since Oct 10, 2026 · 0.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Advantage IRA Money Market
0.15%
0.15%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.01-$19,999.99; Variable-rate money market based on daily balance; no minimum balance fee
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Advantage Money Market
0.15%
0.15%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.01-$19,999.99; Variable-rate money market based on daily balance; Dividends paid at the rate for each day's full balance
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
3.10%
3.15%
Min Deposit$5
Min Balance$20,000
DetailsBalance: $20,000+; Variable-rate money market account based on daily balance; Open at Nearest Branch
Last Updated10/30/2026
Rate History
1 change since Sep 27, 2026 · 3.50% → 3.15% ▼ 0.35 pts · high 3.50% / low 3.15%
Oct 14, 20263.15%▼ from 3.50%
Sep 27, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Business Money Market
0.15%
0.15%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.01-$19,999.99; Variable-rate money market account based on daily balance; APY reduced to 0.15% if end-of-day balance falls below $20,000.00; Open at Nearest Branch
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Checking Rates
Product
Rate
APY
View More
Premier Plus Checking
3.44%
3.50%
Min Deposit$25
DetailsQualifications Required; Qualifying balance up to $30,000.00; 0.10% APY on funds exceeding $30,000; $200 New Account Bonus
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier Plus Checking
-
3.50%
DetailsQualifications Required; Enroll in eStatements; Use your Debit and/or Credit card 15+ times in the month
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Business Checking Rates
Product
Rate
APY
View More
Platinum Business Checking
0.19%
0.20%
Min Deposit$25
DetailsOpen at Nearest Branch
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
20 Year Fixed Conforming
6.875%
0
6.995%
20 years
DetailsPayment Amount: $3,071
Last Updated10/30/2026
Rate History
2 changes since Sep 14, 2026 · 7.00% → 7.00% ▼ 0.00 pts · high 7.50% / low 7.00%
Oct 30, 20267.00%▼ from 7.50%
Oct 1, 20267.50%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity/Equity Express (Closed-End Loan)
-
-
8.00%
DetailsAs Low As; Loan to Value: 80%; Loan Amount: $10,000 to $500,000
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan - Up to 36 Months
-
-
4.74%
Up to 36 Months
DetailsAs Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
New Auto Loan - Up to 48 Months
-
-
5.49%
Up to 48 Months
DetailsAs Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Used Auto Loan Purchase
-
-
5.49%
Up to 36 Month
DetailsAs Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
New Auto Loan - Up to 66 Months
-
-
5.74%
Up to 66 Months
DetailsAs Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Used Auto Loan Purchase
-
-
5.74%
Up to 48 Months
DetailsAs Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
New Auto Loan - Up to 75 Months
-
-
5.99%
Up to 75 Months
DetailsAs Low As; Minimum loan amount: $15,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Used Auto Loan Purchase
-
-
5.99%
Up to 66 Months
DetailsAs Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
New Auto Loan - Up to 84 Months
-
-
6.24%
Up to 84 Months
DetailsAs Low As; Minimum loan amount: $20,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Used Auto Loan Purchase
-
-
6.24%
Up to 75 Months
DetailsAs Low As; Model Year 2020 and newer; Minimum loan amount: $15,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Older Used Auto Loan
-
-
6.49%
Up to 36 Months
DetailsAs Low As; Model Year 2019 and older; Minimum amount $2,000; Rates reflect .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Used Auto Loan Purchase
-
-
6.49%
Up to 84 Months
DetailsAs Low As; Model Year 2020 and newer; Minimum loan amount: $20,000; 84 month terms available for used models 2022 or newer with maximum mileage of 75,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Older Used Auto Loan
-
-
6.74%
Up to 48 Months
DetailsAs Low As; Model Year 2019 and older; Minimum amount $2,000; Rates reflect .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Older Used Auto Loan
-
-
6.99%
Up to 66 Months
DetailsAs Low As; Model Year 2019 and older; Minimum amount $2,000; Rates reflect .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Older Used Auto Loan
-
-
7.24%
Up to 75 Months
DetailsAs Low As; Model Year 2019 and older; Minimum amount $15,000; Rates reflect .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.24% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle and Recreational Vehicle Loans - New RV
-
7.74%
Up to 240 Months
DetailsAs Low As; Financing Amount: Up to 90% of MSRP; Minimum Amount: $5,000; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness; Vehicles less than 1 year old and less than 12,000 miles
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Motorcycle and Recreational Vehicle Loans - Used RV (10 years or newer)
-
7.74%
Up to 240 Months
DetailsAs Low As; Financing Amount: Up to 90% of NADA; Minimum Amount: $5,000; 181-240 month term offered only on 2022 models or newer with less than 75,001 miles; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Motorcycle and Recreational Vehicle Loans - New Motorcycles (excludes dirt bikes)
-
10.85%
Up to 66 Months
DetailsAs Low As; Financing Amount: Up to 100% of MSRP; Minimum Amount: $5,000; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 10.85% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Motorcycle and Recreational Vehicle Loans - New Boats
-
11.85%
Up to 84 Months
DetailsAs Low As; Financing Amount: Up to 70% MSRP; Minimum Amount: $5,000; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 11.85% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Motorcycle and Recreational Vehicle Loans - Used Motorcycles (2020-2026, excludes dirt bikes)
-
11.85%
Up to 66 Months
DetailsAs Low As; Financing Amount: Up to 100% of Retail Kelley Blue Book; Minimum Amount: $5,000; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 11.85% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Motorcycle and Recreational Vehicle Loans - Used Boats (10 years or newer)
-
12.60%
Up to 84 Months
DetailsAs Low As; Financing Amount: Up to 80% of Retail Kelley Blue Book; Minimum Amount: $5,000; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 12.60% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Credit Card Rates
Product
Rate
APR
View More
Secured Mastercard
-
12.24%
DetailsAs Low As; Annual Fee: $0; Perks: Credit Building
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99%
1 change since Sep 18, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99%
Oct 10, 202612.24%▲ from 11.99%
Sep 18, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier America Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Homeline Express Loan
7.50%
0
7.50%
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier Easy Cash Loan
-
-
28.00%
Up to 12 months
DetailsAvailable loan amount: $2,000 maximum; minimum loan amount $300; fixed APR for the life of the loan; $20.00 application fee; available only through online or mobile banking
Last Updated10/30/2026
Rate History
No change since Sep 18, 2026 · 28.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Premier Line of Credit
-
-
13.25%
DetailsAs Low As; Available Line of Credit: $1,000+
Last Updated10/30/2026
Rate History
1 change since Sep 18, 2026 · 13.00% → 13.25% ▲ 0.25 pts · high 13.25% / low 13.00%
Oct 10, 202613.25%▲ from 13.00%
Sep 18, 202613.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.97%
Financial Health History
Premier America Credit Union’s Texas Ratio rose from 5.65% in Q3 2023 to 13.97% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$3.3B
13.97%
5.0
A
March 31, 2026
$3.3B
9.19%
5.0
A
December 31, 2025
$3.3B
8.70%
5.0
A
September 30, 2025
$3.3B
9.01%
5.0
A
June 30, 2025
$3.3B
9.46%
5.0
A
March 31, 2025
$3.4B
7.92%
5.0
A
December 31, 2024
$3.4B
10.64%
5.0
A
September 30, 2024
$3.4B
7.82%
5.0
A
June 30, 2024
$3.7B
6.20%
5.0
A
March 31, 2024
$3.6B
7.60%
5.0
A
December 31, 2023
$3.5B
8.83%
5.0
A
September 30, 2023
$3.5B
5.65%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Premier America Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Premier America Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Premier America Credit Union's official website for the most current offers and terms.
Address
19867 Prairie St,
Chatsworth, CA 91311-6532
Phone800-772-4000
Fax818-772-4101
PresidentJoann Klonowski
CEORudy Pereira
Full-Time Employees442
Part-Time Employees10
Branch Locations24
ATM Locations23
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.97%
Return on Assets (ROA)
-0.3127%
Return on Equity (ROE)
-3.3155%
Non-Performing Loans Ratio (NPL)
1.80%
Total Assets
3,319,448,016
Total Amount of Shares and Deposits
2,996,464,536
Total Shares and Deposits < 1 Year
2,926,588,804
Total Shares and Deposits 1 3 Years
58,494,839
Total Shares and Deposits > 3 Years
11,380,894
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
145,941,103
Total Uninsured Shares and Deposits > $250K (F+J)
145,941,103
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,850,523,433
Total Interest Expense (Sum of items 6 8)
32,888,385
Share Certificates
14,408
Number of Accounts for Share Drafts
94,279
IRA KEOGH Accounts
4,791
Number of Accounts for Regular Shares
133,480
Money Market Shares
17,380
Net Income (unless the amount is already included in Undivided Earnings)
-10,381,426
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
341,621,774
Total Liabilities
3,022,291,846
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Premier America Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Premier America Credit Union
Frequently Asked Questions About Premier America Credit Union
Does Premier America Credit Union offer CDs?
Yes. Premier America Credit Union current CD rates include its 12-Month CD at 3.25% APY, its 6-Month CD at 3.05% APY and its 18-Month CD at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Premier America Credit Union NCUA insured?
Yes. Premier America Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Premier America Credit Union?
The highest Premier America Credit Union CD rate is its 12-Month CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Premier America Credit Union offer?
Premier America Credit Union CD rates are 3.05% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 3 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Premier America Credit Union for its full lineup.
What is the highest savings rate at Premier America Credit Union?
The highest Premier America Credit Union savings rate is its Youth Smart Savings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Premier America Credit Union?
The highest Premier America Credit Union money market rate is its Advantage IRA Money Market at 3.15% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Premier America Credit Union?
The highest Premier America Credit Union checking rate is its Premier Plus Checking at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest mortgage rate at Premier America Credit Union?
The lowest Premier America Credit Union mortgage rate is its 20 Year Fixed Conforming at 6.875%, verified by MonitorBankRates as of October 30, 2026.
What is the lowest auto loan rate at Premier America Credit Union?
The lowest Premier America Credit Union auto loan rate is its Used Auto Loan Purchase at 5.49% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Premier America Credit Union?
The lowest Premier America Credit Union personal loan rate is its Personal Loans at 9.24% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest credit card APR at Premier America Credit Union?
The lowest Premier America Credit Union credit card APR is its Secured Mastercard Credit Card at 12.24% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does Premier America Credit Union operate?
Premier America Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Premier America Credit Union?
Yes, to access services at Premier America Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Premier America Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Premier America Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Premier America Credit Union offer online and mobile banking?
Most modern institutions like Premier America Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.premieramerica.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Premier America Credit Union rates compare?
Premier America Credit Union's CD rates are 9% higher than the MonitorBankRates national average, and it has an A health rating. Premier America Credit Union's top rates are its 12-Month CD at 3.25% APY, its Youth Smart Savings at 5.00% APY, its Advantage IRA Money Market at 3.15% APY, its Premier Plus Checking at 3.50% APY, its 20 Year Fixed Conforming at 6.875%, its Personal Loans at 9.24% APR and its Secured Mastercard Credit Card at 12.24% APR, verified by MonitorBankRates on October 30, 2026.
Current Premier America Credit Union Rates
12-Month CD3.25%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD3.00%
Savings5.00%
MMA3.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
