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Premier One Credit Union Rates & Review November 2026

Q: What are the current interest rates at Premier One Credit Union?

Current rates for Premier One Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.65%, 24-Month CD: 3.75%, 60-Month CD: 3.65%, Savings: 3.00%, MMA: 4.00%

Q: What CD terms does Premier One Credit Union offer?

Premier One Credit Union CD rates are 3.55% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.55% APY for a 4 year CD and 3.65% 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 One Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Premier One Credit Union's 24-month CD rates are at 3.75%, 18-month CD rates are at 3.65%, 60-month CD rates are at 3.65%, 12-month CD rates are at 3.55%, 48-month CD rates are at 3.55%. Premier One Credit Union's savings rates are at 3.00%. Premier One Credit Union's money market rates are at 4.00%. Premier One Credit Union's checking rates are as high as 2.75%. Premier One Credit Union's First Mortgage on Primary Residence - Adjustable Rate rates are at 5.88%, First Mortgage on Primary Residence - Fixed Rate rates are at 6.25%. Premier One Credit Union's Personal Loan Rates are as low as 8.25%. Premier One Credit Union's Credit Card Rates are at 12.90%. Premier One Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Premier One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Premier One Credit Union
Corporate

6640 Via Del Oro
San Jose, CA 95119

https://premieronecu.org

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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 One Credit Union CD Rates

Product	Rate	APY	Term
24-month IRA Share Certificate	3.93%	4.00%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Oct 19, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
60-month IRA Share Certificate	3.93%	4.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 26, 20264.00%▲ from 3.75% Oct 19, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
18-month IRA Share Certificate	3.83%	3.90%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65% Oct 26, 20263.90%▲ from 3.65% Oct 19, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12-month IRA Share Certificate	3.78%	3.85%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 26, 20263.85%▲ from 3.60% Oct 19, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
48-month IRA Share Certificate	3.78%	3.85%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 26, 20263.85%▲ from 3.60% Oct 19, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
24-month Share Certificate	3.69%	3.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 26, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
36-month IRA Share Certificate	3.69%	3.75%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History 1 change since Oct 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 26, 20263.75%▲ from 3.50% Oct 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
18-month Share Certificate	3.59%	3.65%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Oct 26, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
60-month Share Certificate	3.59%	3.65%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Oct 26, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12-month Share Certificate	3.49%	3.55%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 26, 20263.55%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
48-month Share Certificate	3.49%	3.55%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 26, 20263.55%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
36-month Share Certificate	3.44%	3.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 26, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
6-month IRA Share Certificate	2.23%	2.25%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
6-month Share Certificate	1.74%	1.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
3-month IRA Share Certificate	0.60%	0.60%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Contact Us Online Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
3-month Share Certificate	0.10%	0.10%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Minimum To Keep Open: $1,000.00; Minimum Earning Balance: $1,000.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Savings Rates

Product	Rate	APY
IRA Share Account	3.443%	3.50%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.00+; Minimum To Keep Open: $0.00; Minimum Earning Balance: $25,000.00+ Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
IRA Share Account	2.96%	3.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $24,999; Minimum To Keep Open: $0.00; Minimum Earning Balance: $0.00 Last Updated 10/30/2026 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: 1.80%
KidsOne Club	2.96%	3.00%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 - $2,500; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 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: 1.80%
Premier Property Savings	2.96%	3.00%
Min Deposit $0 Min Balance $0 Details Balance: $.01 - $30,000.00; Tiered rate account; homeowner required; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
School Employee Summer Savings	2.72%	2.75%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 - $24,000; Balance paid out on June 1; Minimum To Keep Open: $0.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Health Savings Account	2.472%	2.50%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $8,750; Minimum To Keep Open: $0.00; Minimum Earning Balance: $0.00; Contact Us Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Select Savings	1.00%	1.00%
Min Deposit $0 Min Balance $0 Details Maturity Date Jun 1 or Nov 11; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Health Savings Account	0.50%	0.50%
Min Deposit $0 Min Balance $8,750 Details Balance: $8,750.01 and over; Minimum To Keep Open: $0.00; Minimum Earning Balance: $8,750.01+; Contact Us Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
KidsOne Club	0.10%	0.10%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.01 and over; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Additional Share Account	0.05%	0.05%
Min Deposit $5 Min Balance $50 Details Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Regular Share Account	0.05%	0.05%
Min Deposit $5 Min Balance $50 Details Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
School Employee Summer Savings	0.05%	0.05%
Min Deposit $0 Min Balance $24,000 Details Balance: $24,000 and over; Balance paid out on June 1; Minimum To Keep Open: $0.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Trust Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Property Savings	0.00%	0.00%
Min Deposit $0 Min Balance $30,000 Details Balance: $30,000.01 and over; Tiered rate account; homeowner required; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.96% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Zero Dividend Share Account	0.00%	0.00%
Min Deposit $5 Min Balance $0 Details Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.05%	0.05%
Min Deposit $25 Min Balance $50 Details Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market Plus	3.93%	4.00%
Min Deposit $5 Min Balance $250,000 Details New Money; Balance: $250,000.00 and over; Minimum To Keep Open: $5.00; Minimum Earning Balance: $250,000.00; Open Online Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.50% → 4.00% ▲ 1.50 pts · high 4.00% / low 2.50% Oct 14, 20264.00%▲ from 3.00% Oct 10, 20263.00%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market Plus	3.59%	3.65%
Min Deposit $5 Min Balance $100,000 Details New Money; Balance: $100,000.00 - $249,999.99; Minimum To Keep Open: $5.00; Minimum Earning Balance: $100,000.00; Open Online Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 2.15% → 3.65% ▲ 1.50 pts · high 3.65% / low 2.15% Oct 14, 20263.65%▲ from 2.65% Oct 10, 20262.65%▲ from 2.15% Sep 14, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market Plus	3.25%	3.30%
Min Deposit $5 Min Balance $25,000 Details New Money; Balance: $25,000.00 - $99,999.99; Minimum To Keep Open: $5.00; Minimum Earning Balance: $25,000.00; Open Online Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 2.30% → 3.30% ▲ 1.00 pts · high 3.30% / low 2.30% Oct 14, 20263.30%▲ from 2.30% Oct 10, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	1.79%	1.80%
Min Deposit $1,500 Min Balance $250,000 Details Balance: $250,000.00 and over; Minimum To Keep Open: $1,500.00; Minimum Earning Balance: $250,000.00; Open Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	1.59%	1.60%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000.00 - $249,999.99; Minimum To Keep Open: $1,500.00; Minimum Earning Balance: $50,000.00; Open Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	1.00%	1.00%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Minimum To Keep Open: $1,500.00; Minimum Earning Balance: $10,000.00; Open Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Premier Money Market	0.50%	0.50%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.00 - $9,999.99; Minimum To Keep Open: $1,500.00; Minimum Earning Balance: $1,500.00; Open Online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Checking Rates

Product	Rate	APY
Spend Checking Account	-	2.75%
Min Deposit $25 Details Monthly Fee: $0; Minimum Balance Fee: $0; Dividends shown as 2.75% APY* Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Bank On Certified Fresh Start Checking Account	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Minimum To Keep Open: $0.00; Minimum Earning Balance: $0.00; Contact Us Online Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Standard Checking Account	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Minimum To Keep Open: $0.00; Minimum Earning Balance: $0.00; Open An Account Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking Account	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Minimum To Keep Open: $0.00; Minimum Earning Balance: $0.00; Contact Us Online Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage on Primary Residence - Adjustable Rate	-	-	5.875%	3/1
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Adjustable Rate	-	-	6.00%	3/1
Details As Low As; Loan Amount: $1,249,126 - $1.5 mil; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Adjustable Rate	-	-	6.00%	5/1
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Adjustable Rate	-	-	6.125%	7/1
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Adjustable Rate	-	-	6.25%	10/1
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Oct 10, 20266.25%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.25%	10 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.88% → 6.25% ▲ 0.38 pts · high 6.25% / low 5.88% Oct 10, 20266.25%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.25%	15 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 10, 20266.25%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.375%	10 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.88% → 6.38% ▲ 0.50 pts · high 6.38% / low 5.88% Oct 10, 20266.38%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.375%	15 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.38% ▲ 0.63 pts · high 6.38% / low 5.75% Oct 10, 20266.38%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.50%	20 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.38% → 6.50% ▲ 0.13 pts · high 6.50% / low 6.38% Oct 10, 20266.50%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.625%	20 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 10, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.625%	30 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.63% ▲ 0.38 pts · high 6.63% / low 6.25% Oct 10, 20266.63%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage on Primary Residence - Fixed Rate	-	-	6.75%	30 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 10, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.75%	5 years
Details Term: 5 yr draw/10 yr repay; As Low As; Minimum loan amount: $5,000; Maximum: $500,000; Up to 90% of appraised value, less first mortgage balance; California owner-occupied property and Investment Property allowed; As low as Prime-0.25%, Floor rate 4.50%; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Line of Credit	-	-	6.75%	10 years
Details Term: 10 yr draw/20 yr repay; As Low As; Minimum loan amount: $5,000; Maximum: $500,000; Up to 90% of appraised value, less first mortgage balance; California owner-occupied property and Investment Property allowed; As low as Prime-0.25%, Floor rate 4.50%; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	6.75%	5 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $500,000; No points; Up to 90% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property and Investment property allowed; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	7.00%	7 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $500,000; No points; Up to 90% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property and Investment property allowed; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	7.375%	10 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $500,000; No points; Up to 90% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property and Investment property allowed; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	7.375%	15 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $500,000; No points; Up to 90% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property and Investment property allowed; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	7.625%	20 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $500,000; No points; Up to 90% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property and Investment property allowed; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	7.75%	25 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $500,000; No points; Up to 90% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property and Investment property allowed; Loan-to-value restrictions apply Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
ADU Home Equity Line of Credit	-	-	8.00%	2 years
Details Term: 2-year draw period with interest-only payment / 20-year repay with fully amortized payments; As Low As; Owner Occupied; Minimum loan amount: $5,000; Maximum: $500,000; 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 Last Updated 10/30/2026 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: 1.80%
Home Equity Line of Credit	-	-	8.25%	10 years
Details Term: 10 yr draw /15 yr repay with fully amortized payments during the entire term of HELOC; As Low As; Minimum loan amount: $5,000; Maximum: $250,000; Up to 100% of appraised value, less first mortgage balance; California owner-occupied property only; As low as Prime +1.25%, Floor rate 4.50%; Purchase transactions are prohibited Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Home Equity Loan (2nd Deed of Trust)	-	-	9.25%	30 years
Details As Low As; Minimum loan amount: $5,000; Maximum: $250,000; No points; Up to 100% of appraised value, less first mortgage balance, restrictions apply; California owner-occupied property allowed Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	5.15%	1 - 36 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: Starting at $1,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.15% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	5.25%	37 - 48 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $5,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	5.25%	1 - 36 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: Starting at $1,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	5.35%	49 - 60 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $7,500; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - New Auto	-	-	5.40%	1 - 36 months
Details As Low As; Minimum Loan Amount: $1,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.40% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - New Auto	-	-	5.50%	37 - 48 months
Details As Low As; Minimum Loan Amount: $5,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - Used Auto	-	-	5.50%	1- 36 months
Details As Low As; Minimum Loan Amount: $1,000; Current Year with >2,000 miles or previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	5.50%	61 - 66 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $7,500; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	5.50%	37 - 48 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $5,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	5.50%	49 - 60 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $7,500; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - New Auto	-	-	5.60%	49 - 60 months
Details As Low As; Minimum Loan Amount: $7,500; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - Used Auto	-	-	5.75%	37 - 48 months
Details As Low As; Minimum Loan Amount: $5,000; Current Year with >2,000 miles or previously registered Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - Used Auto	-	-	5.75%	49 - 60 months
Details As Low As; Minimum Loan Amount: $7,500; Current Year with >2,000 miles or previously registered Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	5.75%	67 - 72 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $15,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	5.75%	61 - 66 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $7,500; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - Used Auto	-	-	6.00%	61 - 66 months
Details As Low As; Minimum Loan Amount: $7,500; Current Year with >2,000 miles or previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	6.00%	73 - 84 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $20,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	6.00%	67 - 72 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $15,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	6.25%	73 - 84 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $20,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - New Auto	-	-	6.30%	61 - 66 months
Details As Low As; Minimum Loan Amount: $7,500; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - New Auto	-	-	6.50%	67 - 72 months
Details As Low As; Minimum Loan Amount: $15,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Buyer/Limited Credit - Used Auto	-	-	6.75%	67 - 72 months
Details As Low As; Minimum Loan Amount: $15,000; Current Year with >2,000 miles or previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	6.95%	85 - 96 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $50,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.95% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	7.20%	108 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $70,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	7.20%	85 - 96 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $50,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New Vehicles Loan	-	-	7.45%	120 months
Details As Low As; Current or Prior Year with <2,000 miles and not previously registered; Minimum Loan Amount: $70,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.45% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	7.45%	108 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $70,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.45% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used Vehicles Loan	-	-	7.70%	120 months
Details As Low As; Current Year with >2,000 miles or previously registered; Minimum Loan Amount: $70,000; Rate based on FICO 760+ and term, value ratio and down payment Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.70% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and Used Motorcycles Loan	-	6.74%	1 - 24 months
Details As Low As; Minimum Loan Amount: $1,000; 10 Model Years or Newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New and Used Motorcycles Loan	-	6.99%	25 - 36 months
Details As Low As; Minimum Loan Amount: $5,000; 10 Model Years or Newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New and Used Motorcycles Loan	-	7.24%	37 - 48 months
Details As Low As; Minimum Loan Amount: $5,000; 10 Model Years or Newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New and Used Motorcycles Loan	-	7.49%	49 - 60 months
Details As Low As; Minimum Loan Amount: $7,500; 10 Model Years or Newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New RVs, Boats, Watercrafts Loan	-	7.49%	1 - 48 months
Details As Low As; Minimum Loan Amount: $5,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New and Used Motorcycles Loan	-	7.74%	67 - 72 months
Details As Low As; Minimum Loan Amount: $20,000; 10 Model Years or Newer Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New RVs, Boats, Watercrafts Loan	-	7.75%	49 - 72 months
Details As Low As; Minimum Loan Amount: $20,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New RVs, Boats, Watercrafts Loan	-	7.99%	73 - 120 months
Details As Low As; Minimum Loan Amount: $25,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used RVs, Boats, Watercrafts Loan	-	7.99%	1 - 48 months
Details As Low As; Minimum Loan Amount: $5,000; Current or Prior Year with >2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used RVs, Boats, Watercrafts Loan	-	7.99%	49 - 72 months
Details As Low As; Minimum Loan Amount: $20,000; Current or Prior Year with >2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used RVs, Boats, Watercrafts Loan	-	8.50%	73 - 120 months
Details As Low As; Minimum Loan Amount: $25,000; Current or Prior Year with >2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New RVs, Boats, Watercrafts Loan	-	8.75%	121 - 180 months
Details As Low As; Minimum Loan Amount: $25,000; Current or Prior Year with <2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
New RVs, Boats, Watercrafts Loan	-	8.99%	181 - 240 months
Details As Low As; Minimum Loan Amount: $50,000; Current or Prior Year with <2,000 miles and not previously registered; 240 Month Term for RVs Only; min 10% down and $50,000 financed required for terms over 15 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used RVs, Boats, Watercrafts Loan	-	9.00%	121 - 180 months
Details As Low As; Minimum Loan Amount: $25,000; Current or Prior Year with >2,000 miles and not previously registered Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Used RVs, Boats, Watercrafts Loan	-	9.50%	181 - 240 months
Details As Low As; Minimum Loan Amount: $50,000; Current or Prior Year with >2,000 miles and not previously registered; 240 Month Term for RVs Only; min 10% down and $50,000 financed required for terms over 15 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.90%
Details As Low As; Intro rate expires: 9 billing cycles; Regular APR: 12.90%+; Purchases as low as 12.90%; Cash Advance as low as 12.90%; Balance Transfer as low as 12.90%; Grace Period for Purchases: 25 Days; Annual Fee: $0.00; Balance Transfer Fee: 3.50% or $20, whichever is greater; Late Payment Fee: $10 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Visa Gold	-	14.00%
Details Intro rate expires: 9 billing cycles; Regular APR: 14.00% - 15.00%; APR for Purchases: WSJ Prime Rate + 7% (Variable Rate); Cash Advance APR: 14.00% - 15.00%; Balance Transfer APR: 14.00% - 15.00%; Grace Period for Purchases: 25 Days; Annual Fee: $0.00; Balance Transfer Fee: 3.50% or $20, whichever is greater; Late Payment Fee: $10 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Sep 22, 202614.00%▲ from 13.75% Sep 18, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Visa Classic	-	15.90%
Details As Low As; Intro rate expires: 9 billing cycles; Regular APR: 15.90% - 22.90%; Purchases as low as 15.90%; Cash Advance as low as 15.90%; Balance Transfer as low as 15.90%; Grace Period for Purchases: 25 Days; Annual Fee: $0.00; Balance Transfer Fee: 3.50% or $20, whichever is greater; Late Payment Fee: $10 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 15.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Personal Loan Rates

Product	APR	Term
Go Green Unsecured Loan	8.25%	1 - 60 months
Details As Low As; Minimum loan amount: $5,000; $5,000 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Go Green Unsecured Loan	8.75%	61 - 72 months
Details As Low As; Minimum loan amount: $5,000; $5,000 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Go Green Unsecured Loan	9.25%	73 - 84 months
Details As Low As; Minimum loan amount: $5,000; $5,000 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan	10.50%	1 - 24 months
Details As Low As; Minimum loan amount: $500; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan	11.00%	25 - 36 months
Details As Low As; Minimum loan amount: $3,000; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan	11.50%	37 - 48 months
Details As Low As; Minimum loan amount: $5,000; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Personal Loan	12.00%	49 - 60 months
Details As Low As; Minimum loan amount: $10,000; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Bill Consolidation Loan	13.00%	1 to 24 months
Details As Low As; Minimum loan amount: $500; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Bill Consolidation Loan	13.75%	25 to 36 months
Details As Low As; Minimum loan amount: $3,000; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Bill Consolidation Loan	14.25%	37 to 48 months
Details As Low As; Minimum loan amount: $5,000; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Bill Consolidation Loan	14.75%	49 to 60 months
Details As Low As; Minimum loan amount: $10,000; $500 Minimum; $50,000 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Premier One Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.125%	3/1
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.375%	3/1
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.25%	5/1
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.50%	5/1
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.375%	7/1
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.38% ▲ 0.13 pts · high 6.38% / low 6.25% Oct 10, 20266.38%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.625%	7/1
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.63% ▲ 0.38 pts · high 6.63% / low 6.25% Oct 10, 20266.63%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.50%	10/1
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Adjustable Rate	-	-	6.75%	10/1
Details As Low As; Loan Amount: $832,750 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 10, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.50%	10 years
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13% Oct 10, 20266.50%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.625%	10 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.13% → 6.63% ▲ 0.50 pts · high 6.63% / low 6.13% Oct 10, 20266.63%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.50%	15 years
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 10, 20266.50%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.625%	15 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.63% ▲ 0.63 pts · high 6.63% / low 6.00% Oct 10, 20266.63%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.75%	20 years
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.75% ▲ 0.13 pts · high 6.75% / low 6.63% Oct 10, 20266.75%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.875%	20 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 10, 20266.88%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	6.875%	30 years
Details As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 10, 20266.88%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Mortgage - Vacation/Second Home - Fixed Rate	-	-	7.00%	30 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 10, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Home Buyers - Adjustable Rate Loan	-	-	5.75%	5/1 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.38% → 5.75% ▲ 0.38 pts · high 5.75% / low 5.38% Oct 10, 20265.75%▲ from 5.38% Sep 14, 20265.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Home Buyers - Adjustable Rate Loan	-	-	5.875%	7/1 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Home Buyers - Adjustable Rate Loan	-	-	6.00%	10/1 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 10, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Home Buyers - Fixed Rate	-	-	6.375%	30 years
Details As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.38% ▲ 0.38 pts · high 6.38% / low 6.00% Oct 10, 20266.38%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
First Time Home Buyers - Fixed Rate	-	-	6.50%	30 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California owner-occupied property only Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 10, 20266.50%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loan Cash out Refinance - Fixed Rate	-	-	7.50%	15 years
Details As Low As; Loan Amount: $100,000 up to $832,750; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00% Oct 10, 20267.50%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loan Cash out Refinance - Fixed Rate	-	-	7.75%	15 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.75% ▲ 0.75 pts · high 7.75% / low 7.00% Oct 10, 20267.75%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loan Cash out Refinance - Fixed Rate	-	-	7.875%	30 years
Details As Low As; Loan Amount: $100,000 $832,750; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 7.88% ▼ 0.13 pts · high 8.00% / low 7.88% Oct 10, 20267.88%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loan Cash out Refinance - Fixed Rate	-	-	8.50%	30 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.50% ▲ 0.50 pts · high 8.50% / low 8.00% Oct 10, 20268.50%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loans - Fixed Rate	-	-	7.00%	15 years
Details As Low As; Loan Amount: $100,000 up to $832,750; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 10, 20267.00%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loans - Fixed Rate	-	-	7.25%	15 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 7.25% ▲ 0.75 pts · high 7.25% / low 6.50% Oct 10, 20267.25%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loans - Fixed Rate	-	-	7.375%	30 years
Details As Low As; Loan Amount: $100,000 $832,750; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 7.38% ▼ 0.13 pts · high 7.50% / low 7.38% Oct 10, 20267.38%▼ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Investment Property Loans - Fixed Rate	-	-	8.00%	30 years
Details As Low As; Loan Amount: $832,751 - $1,249,125; California property only; Up to 80% financing Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50% Oct 10, 20268.00%▲ from 7.50% Sep 14, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
PremierCash Loan	-	-	18.75%	up to 12 months
Details As Low As; Minimum loan amount: $500; $500 Minimum; $2,500 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 18.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
School Employee Loan	-	-	9.00%	up to 24 months
Details As Low As; Minimum loan amount: $500; $500 Minimum; $1,500 Maximum Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Student Relief Loan	-	-	7.74%	49 - 60 months
Details As Low As; Minimum loan amount: $1,000; $1,000 Minimum; $75,000 Maximum; Unsecured Loan; Minimum Term 5 years; Maximum Term 20 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Student Relief Loan	-	-	8.75%	61 - 72 months
Details As Low As; Minimum loan amount: $1,000; $1,000 Minimum; $75,000 Maximum; Unsecured Loan; Minimum Term 5 years; Maximum Term 20 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Student Relief Loan	-	-	9.75%	73 - 84 months
Details As Low As; Minimum loan amount: $1,000; $1,000 Minimum; $75,000 Maximum; Unsecured Loan; Minimum Term 5 years; Maximum Term 20 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Student Relief Loan	-	-	10.75%	85 - 240 months
Details As Low As; Minimum loan amount: $1,000; $1,000 Minimum; $75,000 Maximum; Unsecured Loan; Minimum Term 5 years; Maximum Term 20 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
PremierOne Spend Account	2.72%	-	2.75%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $25,000; Minimum To Keep Open: $0.00; Minimum Earning Balance: $0.00; Open An Account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
PremierOne Spend Account	0.10%	-	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.01 and over; Minimum To Keep Open: $0.00; Minimum Earning Balance: $25,000.01+; Open An Account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
SavvyOne Teen	2.96%	-	3.00%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 - $2,500; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 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: 1.80%
SavvyOne Teen	0.10%	-	0.10%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.01 and over; Minimum To Keep Open: $5.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

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.
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Financial Health History

Premier One Credit Union’s Texas Ratio stayed near 1.71% in Q3 2023 to 1.80% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$656M	1.80%	5.0	A+
March 31, 2026	$656M	1.64%	5.0	A+
December 31, 2025	$650M	2.65%	5.0	A+
September 30, 2025	$639M	1.52%	5.0	A+
June 30, 2025	$632M	2.16%	5.0	A+
March 31, 2025	$630M	1.50%	5.0	A+
December 31, 2024	$611M	3.77%	5.0	A+
September 30, 2024	$634M	2.80%	5.0	A+
June 30, 2024	$627M	2.33%	5.0	A+
March 31, 2024	$632M	2.16%	5.0	A+
December 31, 2023	$620M	3.82%	5.0	A+
September 30, 2023	$608M	1.71%	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 One 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 One 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 One Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Premier One Credit Union

Website https://premieronecu.org

Address 6640 Via Del Oro, San Jose, CA 95119

Phone 855-500-7128

Fax 408-224-2890

President CHRISTINA SALVATIER

CEO ANDREA BREWER

Full-Time Employees 90

Part-Time Employees 2

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+ (99/100)

Texas Ratio

1.80%

Return on Assets (ROA)

0.2005%

Return on Equity (ROE)

2.0649%

Non-Performing Loans Ratio (NPL)

0.25%

Total Assets

655,682,876

Total Amount of Shares and Deposits

556,460,100

Total Shares and Deposits < 1 Year

511,507,060

Total Shares and Deposits 1 3 Years

41,108,377

Total Shares and Deposits > 3 Years

3,844,663

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

59,711,184

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

59,711,184

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

496,748,916

Total Interest Expense (Sum of items 6 8)

4,451,773

Share Certificates

2,522

Number of Accounts for Share Drafts

18,903

IRA KEOGH Accounts

1,020

Number of Accounts for Regular Shares

31,984

All other shares

229

Money Market Shares

2,226

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)

77,042,647

Total Liabilities

597,041,618

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Premier One Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Premier One Credit Union

Does Premier One Credit Union offer CDs?

Yes. Premier One Credit Union current CD rates include its 24-month CD at 3.75% APY, its 18-month CD at 3.65% APY and its 60-month CD at 3.65% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Premier One Credit Union NCUA insured?

Yes. Premier One 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 One Credit Union?

The highest Premier One Credit Union CD rate is its 24-month IRA CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Premier One Credit Union offer?

Premier One Credit Union CD rates are 3.55% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.55% APY for a 4 year CD and 3.65% 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 One Credit Union for its full lineup.

What is the highest savings rate at Premier One Credit Union?

The highest Premier One Credit Union savings rate is its Premier Property Savings at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Premier One Credit Union?

The highest Premier One Credit Union money market rate is its Premier Money Market Plus at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Premier One Credit Union?

The highest Premier One Credit Union checking rate is its Spend Checking Account at 2.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Premier One Credit Union?

The lowest Premier One Credit Union mortgage rate is its First Mortgage on Primary Residence - Adjustable Rate at 5.875% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Premier One Credit Union?

The lowest Premier One Credit Union auto loan rate is its New Vehicles Loan at 5.15% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Premier One Credit Union?

The lowest Premier One Credit Union personal loan rate is its Go Green Unsecured Loan at 8.25% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Premier One Credit Union?

The lowest Premier One Credit Union credit card APR is its Visa Platinum Credit Card at 12.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Premier One Credit Union operate?

Premier One 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 One Credit Union?

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

Does Premier One Credit Union offer online and mobile banking?

Most modern institutions like Premier One 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://premieronecu.org.

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 One Credit Union rates compare?

Premier One Credit Union's CD rates are 2% higher than the MonitorBankRates national average, and it has an A+ health rating. Premier One Credit Union's top rates are its 24-month IRA CD at 4.00% APY, its Premier Property Savings at 3.00% APY, its Premier Money Market Plus at 4.00% APY, its Spend Checking Account at 2.75% APY, its First Mortgage on Primary Residence - Adjustable Rate at 5.875%, its Go Green Unsecured Loan at 8.25% APR and its Visa Platinum Credit Card at 12.90% APR, verified by MonitorBankRates on October 30, 2026.

Current Premier One Credit Union Rates

12-Month CD3.55%
18-Month CD3.65%
24-Month CD3.75%
60-Month CD3.65%
Savings3.00%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

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Premier One Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Premier One Credit Union Texas Ratio

Premier One Credit Union Health Trend

Premier One Credit Union CD Rates

Premier One Credit Union Savings Rates

Premier One Credit Union Business Savings Rates

Premier One Credit Union Money Market Rates

Premier One Credit Union Checking Rates

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Premier One Credit Union Mortgage Rates

Premier One Credit Union Home Equity & HELOC

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Premier One Credit Union RV, Boat and Powersport Loan Rates

Premier One Credit Union Credit Card Rates

Premier One Credit Union Personal Loan Rates

Premier One Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Premier One Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Premier One Credit Union

Does Premier One Credit Union offer CDs?

Are CDs from Premier One Credit Union NCUA insured?

What is the highest CD rate at Premier One Credit Union?

What CD terms does Premier One Credit Union offer?

What is the highest savings rate at Premier One Credit Union?

What is the highest money market rate at Premier One Credit Union?

What is the highest checking rate at Premier One Credit Union?

What is the lowest mortgage rate at Premier One Credit Union?

What is the lowest auto loan rate at Premier One Credit Union?

What is the lowest personal loan rate at Premier One Credit Union?

What is the lowest credit card APR at Premier One Credit Union?

How many branches does Premier One Credit Union operate?

Is a member application needed to join Premier One Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Premier One Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Premier One Credit Union rates compare?

Current Premier One Credit Union Rates

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