What are the current interest rates at Premier America Credit Union?

Current rates for Premier America Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 5.00%, MMA: 3.25%

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Premier America Credit Union

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Premier America Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Premier America Credit Union's top rates as of October 14, 2026 are 3.25% APY on its Business CD Accounts - 12-Month, 5.00% APY on savings, 3.25% APY on money market accounts, 3.50% APY on checking, 7.00% on its 15 Year Fixed Conforming mortgage, personal loans from 9.24% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Premier America Credit Union CD rates include CDs - 12-Month at 3.25%, Business CD Accounts - 6-Month at 3.05%, and CDs - 6-Month at 3.05%. 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 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.97%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Premier America Credit Union
Corporate Headquarters

19867 Prairie St
Chatsworth, CA 91311-6532

https://www.premieramerica.com

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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 America Credit Union CD Rates

Product	Rate	APY	Term
Certificates - 12-Month	3.20%	3.25%	12-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 6-Month	3.01%	3.05%	6-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 18-Month	2.96%	3.00%	18-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 24-Month	2.96%	3.00%	24-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 36-Month	2.96%	3.00%	36-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 48-Month	2.96%	3.00%	48-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 60-Month	2.96%	3.00%	60-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Details Ages: 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; dividends may be earned on balances above $1,000.00; Visit A Branch to Open Account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Certificates - 3-Month	2.72%	2.75%	3-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Minimum $1,000 to open. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 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
Business Certificate Accounts - 12-Month	3.20%	3.25%	12-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 6-Month	3.01%	3.05%	6-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 18-Month	2.96%	3.00%	18-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 24-Month	2.96%	3.00%	24-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 36-Month	2.96%	3.00%	36-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 48-Month	2.96%	3.00%	48-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 60-Month	2.96%	3.00%	60-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Certificate Accounts - 3-Month	2.72%	2.75%	3-Month
Min Deposit $1,000 Details Penalty for early withdrawal. Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%

Premier America Credit Union Savings Rates

Product	Rate	APY
Youth Smart Savings	4.89%	5.00%
Min Deposit $1 Min Balance $0 Details Balance: $0-$499.99; Visit A Branch to Open Account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Youth Smart Savings	2.47%	2.50%
Min Deposit $1 Min Balance $500 Details Balance: $500-$1,999.99; Visit A Branch to Open Account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Youth Smart Savings	0.50%	0.50%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000.00 and over; Visit A Branch to Open Account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 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 Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Smart Savings	0.05%	0.05%
Min Deposit $1 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%

Premier America Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	1.09%	1.10%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.30% → 1.10% ▲ 0.80 pts · high 1.10% / low 0.30% Oct 14, 20261.10%▲ from 0.30% Sep 18, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	1.04%	1.05%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.30% → 1.05% ▲ 0.75 pts · high 1.05% / low 0.30% Oct 14, 20261.05%▲ from 0.30% Sep 18, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	0.99%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.30% → 1.00% ▲ 0.70 pts · high 1.00% / low 0.30% Oct 14, 20261.00%▲ from 0.30% Sep 18, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	0.74%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.30% → 0.75% ▲ 0.45 pts · high 0.75% / low 0.30% Oct 14, 20260.75%▲ from 0.30% Sep 18, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	0.64%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.30% → 0.65% ▲ 0.35 pts · high 0.65% / low 0.30% Oct 14, 20260.65%▲ from 0.30% Sep 18, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	0.54%	0.55%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.30% → 0.55% ▲ 0.25 pts · high 0.55% / low 0.30% Oct 14, 20260.55%▲ from 0.30% Sep 18, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	0.29%	0.30%
Min Deposit $250 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings	0.29%	0.30%
Min Balance $0 Details Balance: $0 - $2,499.99; Balances under the stated minimum earn 0.30% APY; Open at Nearest Branch Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Savings (Effective 5/1/26)	0.05%	0.05%
Min Deposit $250 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%

Premier America Credit Union Money Market Rates

Product	Rate	APY
Advantage IRA Money Market	3.10%	3.15%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000+; Daily balance tier; variable-rate money market account Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Advantage Money Market	3.10%	3.15%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000 and over; Variable-rate money market based on daily balance; Dividends paid on each day's full balance Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 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 Details Balance: $500,000+ Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.10% APY · checked 2 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 Details Balance: $500,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.10% APY · checked 2 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 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Money Market Accounts	1.04%	1.05%
Min Deposit $5 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
IRA Money Market Accounts	0.99%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Money Market Accounts	0.99%	1.00%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
IRA Money Market Accounts	0.74%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Money Market Accounts	0.74%	0.75%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
IRA Money Market Accounts	0.64%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Money Market Accounts	0.64%	0.65%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
IRA Money Market Accounts	0.54%	0.55%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Money Market Accounts	0.54%	0.55%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
IRA Money Market Accounts	0.29%	0.30%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Money Market Accounts	0.29%	0.30%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.30% APY · checked 2 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 Details Balance: $0.01-$19,999.99; Daily balance tier; variable-rate money market account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 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 Details Balance: $0.01-$19,999.99; Variable-rate money market based on daily balance; Dividends paid on each day's full balance Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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
Business Advantage Money Market Account	3.198%	3.25%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000.00 and over; Open at Nearest Branch; Membership subject to approval Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market	3.10%	3.15%
Min Deposit $5 Min Balance $20,000 Details Balance: $20,000.00 and over; Daily balance tier Last Updated 10/14/2026 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 Accounts	1.09%	1.10%
Min Deposit $5 Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market Accounts	1.04%	1.05%
Min Deposit $5 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market Accounts	0.99%	1.00%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market Accounts	0.74%	0.75%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market Accounts	0.64%	0.65%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market Accounts	0.54%	0.55%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Business Money Market Accounts	0.29%	0.30%
Min Deposit $5 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.30% APY · checked 2 times 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 Details Balance: $0.01-$19,999.99; Daily balance tier; Balance falls below $20,000 reduces APY to 0.15% Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.50% → 0.15% ▼ 3.35 pts · high 3.50% / low 0.15% Oct 14, 20260.15%▼ from 3.50% Sep 27, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%

Premier America Credit Union Checking Rates

Product	Rate	APY
Premier Plus Checking	3.44%	3.50%
Min Deposit $25 Details Qualifications Required; Balance: $0.00 - $30,000.00; 0.10% APY paid on funds exceeding $30,000 or if requirements are not met; $200 New Account Bonus Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Premier Plus Checking	-	3.50%
Details Qualifications Required; Earn 3.50% APY with eStatements enrollment and 15+ debit and/or credit card uses in the month Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 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 Details Open at Nearest Branch Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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
15 Year Fixed Conforming	7.00%	0	7.15%	15 Year
Details Payment Amount: $3,595; Conforming rates based on a $400,000.00 loan amount; Rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 14, 2026 · 6.65% → 7.15% ▲ 0.50 pts · high 7.15% / low 6.65% Oct 14, 20267.15%▲ from 7.15% Oct 2, 20267.15%▲ from 7.02% Sep 27, 20267.02%▲ from 6.77% Sep 18, 20266.77%▲ from 6.65% 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%
Details As Low As; Loan to Value: 80%; Loan Amount: $10,000 to $500,000 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 7 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
New Auto Loan	-	-	4.74%	Up to 36 Months
Details As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
New Auto Loan	-	-	5.49%	Up to 48 Months
Details As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Used Auto Loan	-	-	5.49%	Up to 36 Month
Details As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
New Auto Loan	-	-	5.74%	Up to 66 Months
Details As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Used Auto Loan	-	-	5.74%	Up to 48 Months
Details As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
New Auto Loan	-	-	5.99%	Up to 75 Months
Details As Low As; Minimum Amount: $15,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Used Auto Loan	-	-	5.99%	Up to 66 Months
Details As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
New Auto Loan	-	-	6.24%	Up to 84 Months
Details As Low As; Minimum Amount: $20,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Used Auto Loan	-	-	6.24%	Up to 75 Months
Details As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $15,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Older Used Auto Loan	-	-	6.49%	Up to 36 Months
Details As Low As; Model Year 2019 and older; Minimum Amount: $2,000; Up to 101% of Retail Kelley Blue Book; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Used Auto Loan	-	-	6.49%	Up to 84 Months
Details As Low As; Used Auto Loan Purchase (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; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Older Used Auto Loan	-	-	6.74%	Up to 48 Months
Details As Low As; Model Year 2019 and older; Minimum Amount: $2,000; Up to 101% of Retail Kelley Blue Book; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Older Used Auto Loan	-	-	6.99%	Up to 66 Months
Details As Low As; Model Year 2019 and older; Minimum Amount: $2,000; Up to 101% of Retail Kelley Blue Book; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Older Used Auto Loan	-	-	7.24%	Up to 75 Months
Details As Low As; Model Year 2019 and older; Minimum Amount: $15,000; Up to 101% of Retail Kelley Blue Book; Rates reflect a .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; May increase based on credit worthiness Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.24% APR 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
Motorcycle and Recreational Vehicle Loans - New RV	-	7.74%	Up to 240 Months
Details Financing Amount: Up to 90% of MSRP; APR As Low As; May increase based on credit worthiness; Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment; Vehicles less than 1 year old and less than 12,000 miles Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.74% APR 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
Details Financing Amount: Up to 90% of NADA; APR As Low As; May increase based on credit worthiness; Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment; 181-240 month term offered only on 2022 models or newer with less than 75,001 miles Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.74% APR 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
Details Financing Amount: Up to 100% of MSRP; APR As Low As; May increase based on credit worthiness; Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.85% APR 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
Details Financing Amount: Up to 70% MSRP; APR As Low As; May increase based on credit worthiness; Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.85% APR 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
Details Financing Amount: Up to 100% of Retail Kelley Blue Book; APR As Low As; May increase based on credit worthiness; Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.85% APR 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
Details Financing Amount: Up to 80% of Retail Kelley Blue Book; APR As Low As; May increase based on credit worthiness; Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 12.60% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%

Premier America Credit Union Credit Card Rates

Product	Rate	APR
Secured Mastercard	-	12.24%
Details As Low As; Annual Fee: $0; Perks: Credit Building Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 12.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Signature Mastercard	-	12.24%
Details As Low As; Annual Fee: $0; Perks: Low Rate Credit Card Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 12.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Advantage Mastercard	-	15.24%
Details As Low As; Annual Fee: $0; Perks: 20,000 Sign-on Bonus Points Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Credit Builder Mastercard	-	17.24%
Details As Low As; Annual Fee: $0; Perks: Earn 1x Reward Point Per Dollar on Every Purchase Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 17.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%

Premier America Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	9.24%	Up to 60 months
Details As Low As; Available Line/Loan Amount: $500 minimum Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Signature Mastercard	12.24%
Details As Low As; Annual Fee: $0; Perks: Low Rate Credit Card Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 12.24% APR 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
Premier Easy Cash Loan	-	-	28.00%	Up to 12 months
Details Available Line/Loan Amount: $2,000 maximum; Fixed APR for loan duration; $20.00 application fee; Online or Mobile Banking Only Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 28.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.97%
Premier Line of Credit	-	-	13.25%
Details As Low As; Available Line of Credit: $1,000+ Last Updated 10/14/2026 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%

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 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.

Credit Union Profile & Overview

Credit Union Name Premier America Credit Union

Website https://www.premieramerica.com

Address 19867 Prairie St, Chatsworth, CA 91311-6532

Phone 800-772-4000

Fax 818-772-4101

President Joann Klonowski

CEO Rudy Pereira

Full-Time Employees 442

Part-Time Employees 10

Branch Locations 24

ATM Locations 23

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

Q2 2026 MBR Health & Safety Badge

Premier America Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Premier America Credit Union

Frequently Asked Questions About Premier America Credit Union

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.

Current Premier America Credit Union Rates

12-Month CD3.25%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD3.00%
Savings5.00%
MMA3.25%

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

Compare to Other Credit Unions

Premier America Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Premier America Credit Union Texas Ratio

Premier America Credit Union Health Trend

Premier America Credit Union CD Rates

Premier America Credit Union Business CD Rates

Premier America Credit Union Savings Rates

Premier America Credit Union Business Savings Rates

Premier America Credit Union Money Market Rates

Premier America Credit Union Business Money Market Rates

Premier America Credit Union Checking Rates

Premier America Credit Union Business Checking Rates

Premier America Credit Union Mortgage Rates

Premier America Credit Union Home Equity & HELOC

Premier America Credit Union Auto Loan Rates

Premier America Credit Union RV, Boat and Powersport Loan Rates

Premier America Credit Union Credit Card Rates

Premier America Credit Union Personal Loan Rates

Premier America Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Premier America Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Premier America Credit Union

How many branches does Premier America Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Premier America Credit Union offer online and mobile banking?

Current Premier America Credit Union Rates

Compare to Other Credit Unions