What are the current interest rates at Premier Credit Union?

Current rates for Premier Credit Union include: 12-Month CD: 3.70%, Savings: 0.05%

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Premier Credit Union

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Premier Credit Union Rates & Review September 2026

Q: How many branches does Premier Credit Union operate?

Premier 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.

Q: Is a member application needed to join Premier Credit Union?

Yes, to access services at Premier 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.

Q: Is there a first-time homebuyer program?

Currently, Premier 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Premier Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Premier Credit Union's 12 Month Kirby Kids CD rates are at 3.70%. Premier Credit Union's savings rates are at 0.05%. Premier Credit Union's Credit Card Rates are at 17.99%. MonitorBankRates evaluates the financial stability of Premier Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.77%. Rates last updated and verified on 09/22/2026.

Premier 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 Credit Union? Share your experience about Premier Credit Union by leaving a review below, or read customer reviews before you decide to use Premier Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.77%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Premier Credit Union
Main Branch

800 9th St
Des Moines, IA 50309

https://www.premiercu.org

Premier Credit Union CD Rates

Product	Rate	APY	Term	View More
12 Month Kirby Kids CD	3.65%	3.70%	12-month
Min Deposit $100 Details add-on CD, ongoing deposits allowed during the term, monthly savings updates, fixed-term savings structure Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Premier Credit Union Savings Rates

Product	Rate	APY	View More
Kirby Kangaroo Club Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $10 Details dividends earned on balances of $10 or more and paid monthly, free piggy bank, Kirby Bucks, activities for kids Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Premier Credit Union Checking Rates

Product	Rate	APY	View More
Premier Checking	-	6.00%
Min Balance $25,000 Details Qualifications Required: 15 signature-based or point-of-sale Debit Card transactions to your account; Each transaction must be a minimum of $10.00; Use our Free Direct Deposit and Online account access services; Provide a valid e-mail address at account opening Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Premier Credit Union Credit Card Rates

Product	Rate	APR	View More
Classic Credit Card	-	17.99%
Details No annual fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Premier Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Platinum Card Loan	-	-	9.99%
Details No annual fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Premier Credit Union’s Texas Ratio rose from 3.90% in Q2 2023 to 7.77% in Q1 2026, so its financial health has weakened 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
March 31, 2026	$394M	7.77%	5.0	A
December 31, 2025	$374M	10.68%	5.0	A
September 30, 2025	$355M	10.60%	5.0	A
June 30, 2025	$344M	14.43%	5.0	A-
March 31, 2025	$354M	13.96%	5.0	A
December 31, 2024	$339M	12.28%	5.0	A
September 30, 2024	$329M	9.13%	5.0	A
June 30, 2024	$328M	7.10%	5.0	A
March 31, 2024	$315M	8.55%	5.0	A
December 31, 2023	$303M	8.66%	5.0	A
September 30, 2023	$309M	4.78%	5.0	A+
June 30, 2023	$306M	3.90%	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 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Premier Credit Union

Website https://www.premiercu.org

Address 800 9th St, Des Moines, IA 50309

Phone 515-282-1611

Fax 515-282-5497

President Todd Mendenhall

CEO Megan Tjernagel

Full-Time Employees 66

Part-Time Employees 1

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.77%

Return on Assets (ROA)

0.0389%

Return on Equity (ROE)

0.4731%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

393,854,063

Total Amount of Shares and Deposits

357,912,995

Total Shares and Deposits < 1 Year

353,716,995

Total Shares and Deposits 1 3 Years

3,975,848

Total Shares and Deposits > 3 Years

220,152

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,457,186

Total Uninsured Shares and Deposits > $250K (F+J)

14,457,186

Total Insured Shares and Deposits > $250K (item 17 less item K)

343,455,809

Total Interest Expense (Sum of items 6 8)

2,176,522

Share Certificates

3,035

Number of Accounts for Share Drafts

10,971

Number of Accounts for Regular Shares

19,998

All other shares

108

Non Member Deposits

Money Market Shares

389

Net Income (unless the amount is already included in Undivided Earnings)

153,156

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)

23,923,750

Total Liabilities

361,493,879

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Premier 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 — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About Premier Credit Union

How many branches does Premier Credit Union operate?

Premier 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 Credit Union?

Yes, to access services at Premier 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Premier Credit Union offer online and mobile banking?

Most modern institutions like Premier 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.premiercu.org.