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Rates

Use our PrimeTrust Loan Calculator



Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.

Consumer & Share Certificates receive an additional 0.25% FOR DIRECT DEPOSIT

Published Rates are for Vehicles (passenger cars, trucks, SUV's & vans)

Vehicle Loans - 2022 through 2024 Models 

Term APR* as low as
36-48 Months 6.25%
49-66 Months 6.49%
67-75 Months 6.75%
76-84 months (Loan Amounts over $20k only) 7.99%
85-96 months (Loan Amounts over $60k only) 9.49%

Vehicle Loans - 2019 through 2021 Models

Term APR* as low as
36-48 Months 6.49%
49-66 Months 6.75%
67-75 Months 7.00%
76-84 months (Loan Amounts over $20k only) 8.49%

Vehicle Loans - 2014 through 2018 Models

Term APR* as low as
36-48 Months 7.49%
49-66 Months 7.99%

Vehicle Loans - 2004 THROUGH 2013 MODELS 

*Vehicle inspection required - drive-able, mileage, Reasonable condition, etc.

Term APR* as low as
Up to 48 months 9.99%


Vehicle Loans - Vintage models

Term APR* as low as
36-48 Months 11.74%
*Annual Percentage Rate
*Rates Effective: 11/1/23

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Rec Vehicles - 2021 through 2023 Models 

Term APR* as low as
Up to 48 Months 7.75%
Up to 66 Months 7.99%
Up to 75 Months 8.25%
Up to 84 Months (Loan Amounts over $20k only) 9.49%

Rec vehicles - 2018 through 2020 Models

Term APR* as low as
Up to 48 Months 7.99%
Up to 66 Months 8.25%
Up to 75 Months 8.50%

rec vehicles - 2013 through 2017 Models

Term APR* as low as
Up to 48 Months 8.99%
Up to 66 Months 9.49%

rec Vehicles - Vintage models

Term APR* as low as
Up to 48 Months 13.49%
*Annual Percentage Rate

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Personal loan (unsecured)

Term APR* as low as
12 month 7.99%
24 month 9.24%
25-60 months 11.24%

share covered loan (Loan against your account balance)

Term
3% over interest rate on security instrument

MyLine (signature line of credit)

Term APR* as low as
5 Year Draw / 5 Year Repay 9.50%
Prime + 1.00% or Floor 5%
"C" Prime Rate + 5.00% or Floor 5%
*Rates effective 8/1/2023
*Annual Percentage Rate

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Boat Loans - 2022 through 2024 models

Term APR* as low as
36- 48 Months 6.75%
49-66 Months 6.99%
67-75 Months 7.25%
76- 84 Months 8.75%
85-108 months (Loan amounts over $20k only) 9.25%
109-144 Months (Loan amounts over $60k only) 9.75%

Boat Loans - 2014 through 2021 models

Term APR* as low as
36- 48 Months 8.75%
49-66 Months 8.99%
67-75 Months 9.25%
76- 84 Months 10.75%

RV / Campers / Trailers - 2022 through 2024 models

Term APR* as low as
36- 48 Months 6.75%
49-66 Months 6.99%
67-75 Months 7.25%
76-84 Months 8.75%
85-108 Months (Loan amounts over $20k only) 9.25%
109-144 Months (Loan amounts over $40k only) 9.75%

RV / Campers / Trailers - 2014 through 2021 models

Term APR* as low as
36- 48 Months 8.75%
49-66 Months 8.99%
67-75 Months 9.25%
76- 84 Months 10.75%


*Rates effective as of 11/1/23
*Annual Percentage Rate

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equity Loans - up to 90% LTV (Loan to Value)

Term APR* as low as
5 year 7.000%
10 year 7.250%
15 year 7.375%

Term APR* as low as
Home Equity Line of Credit - VISA 8.50% variable
Home Equity Line of Credit - CORE 7.500% variable
Prime Rate + 0.00% No Floor


1st Mortgage Loans

Term APR* as low as
30 year 7.375%
20 year 7.000%
15 year 6.875%
10 year 6.750%

*Rates effective 01/02/2024

*Annual Percentage Rate

 


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Savings & Checking Account - Share Rates

Description Rate APY**
Share (Savings) 0.05% 0.05%
Special Shares (Savings) 0.05% 0.05%
Christmas Club (Savings) 0.05% 0.05%
E-ssential Checking 0.00% 0.00%
Peace of Mind - POM Checking 0.00% 0.00%
Peace of Mind Plus - POM+ Checking 0.005% 0.005%

health savings account - HSA

Description Balance Rate
HSA  - Health Savings Account $0 - $2,499.99 0.35%

$2,500+ 0.50%

**Annual Percentage Yield

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Share Certificates - $1000 minimum

Description Rate APY**
6 Month 2.70% 2.73%
1 Year 4.35% 4.44%
2 Year 4.35% 4.44%
3 Year 3.50% 3.56%
4 Year 3.50% 3.56%
5 Year 3.50% 3.56%

Special share certificate - $5,000 minimum, new money


Description Rate APY**
9 Month - not eligible for Direct Deposit discount 5.25% 5.38%


money market

Description Rate APY**
$0 to $2,499 0.05% 0.05%
$2,500 to $24,999 0.80% 0.80%
$25,000 to $49,999 0.90% 0.90%
$50,000 + 1.25% 1.26%

IRA shares - $50 minimum


Rate APY**
IRA Shares 0.10% 0.10%

IRA Certificates - $1000 minimum

Description Rate APY**
6 Month 2.70% 2.73%
1 Year 4.35%
4.44%
2 Year 4.35% 4.44%
3 Year 3.50% 3.56%
4 Year 3.50% 3.56%
5 Year 3.50% 3.56%

**Annual Percentage Yield · Printed APYs are expected for the month of April · Rates are subject to change by the Board of Directors Any fees incurred could reduce the earnings on the account. · Penalties may be imposed for early withdrawal of certificate.
 
*Rates Effective as of 6/2/2023

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Small business checking

Description Rate Tiers Dividend Rate APY**
Small Business Checking n/a n/a n/a
 

business checking with dividends 

Description Rate Tiers Dividend Rate APY**
Business Checking - $1000 minimum balance $0 to $999.99 0.00% 0.00%

$1,000 to $24,999.99 0.05% 0.05%

$25,000 or higher 0.10% 0.10%

 

basic business savings

Description Rate Tiers Dividend Rate APY**
Basic Business Savings- $25 minimum balance All Balances over $99.99 0.05% 0.05%

$1,000 to $24,999 0.05% 0.05%

$25,000 or higher 0.10% 0.10%


business money market

Description Rate Tiers Dividend Rate APY**
Business Money Market - $2,500 min. balance $0 to $4,999.00 0.05% 0.05%

$2,500 to $24,999.99 0.80% 0.80%

$25,000 to $49,999.99 0.90% 0.90%

$50,000 or more 1.00% 1.00%

 

Elite business money market - limited time offer

Description Rate Tiers Dividend Rate APY**
Business Money Market - $5,000 min. balance
$5,000 or more 3.50% 3.56%

 

business Share Certificates - $1000 minimum

Description Dividend Rate APY**
6 Month 2.70% 2.73%
1 Year 4.35% 4.44%
2 Year 4.35% 4.44%
3 Year 3.50% 3.56%
4 Year 3.50% 3.56%
5 Year 3.50% 3.56%

**Annual Percentage Yield
Rates Effective: 11/13/2023

visa card rates

Card Type APR*
Classic Visa 14.90%
Gold Visa 12.90%
Platinum Visa 9.90%
Launch Visa (Secured for building credit) 10.99%
Business Visa 12.90%
*APR = Annual Percentage Rate.  Subject to credit approval based on several factors, including credit history

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Contact the PrimeTrust team to learn more.

Phone: 765-289-2148
Email: info@primetrustcu.com
or 

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