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Rates

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Whether you’re buying a home, financing a vehicle, or growing your financial cushion, we keep our rates competitive so you can build a stronger future. Check out our latest rates below and let us help you make the most of your money.

Vehicle Loans
as low as

4.74%

Personal loans 
as low as

8.74%

IRA Certificates
up to

4.00%

HELoc
as low as

6.75%

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

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

Vehicle Loans - 2023 through 2026 Models 

Term APR* as low as
36-48 Months 4.99%
49-66 Months 4.99%
67-75 Months 4.99%
76-84 months (Loan Amounts over $20k only) 5.74%
85-96 months (Loan Amounts over $60k only) 5.99%

Vehicle Loans - 2020 through 2022 Models

Term APR* as low as
36-48 Months 4.99%
49-66 Months 5.25%
67-75 Months 5.74%
76-84 months (Loan Amounts over $20k only) 6.74%

Vehicle Loans - 2015 through 2019 Models

Term APR* as low as
36-48 Months 6.74%
49-66 Months 7.24%

Vehicle Loans - 2006 THROUGH 2014 MODELS 

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

Term APR* as low as
Up to 48 months 8.74%


Vehicle Loans - Vintage models (2005 or older)

Term APR* as low as
36-48 Months 9.99%
*Annual Percentage Rate
*Rates Effective: 01/01/2026

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Rec Vehicles - 2023 through 2026 Models 

Term APR* as low as
Up to 48 Months 5.99%
Up to 66 Months 5.99%
Up to 75 Months 5.99%
Up to 84 Months (Loan Amounts over $20k only) 6.74%

Rec vehicles - 2020 through 2022 Models

Term APR* as low as
Up to 48 Months 5.99%
Up to 66 Months 6.25%
Up to 75 Months 6.74%

rec vehicles - 2015 through 2019 Models

Term APR* as low as
Up to 48 Months 7.74%
Up to 66 Months 8.24%

rec Vehicles - 2006 through 2014 models

Term APR* as low as
Up to 48 Months 9.74%

rec Vehicles - Vintage models (2005 or older)

Term APR* as low as
Up to 48 Months 10.99%
*Annual Percentage Rate

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Personal loan (unsecured)

Term APR* as low as
12 month 8.99%
24 month 10.24%
25-60 months 11.74%

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 7.75%
Prime + 1.00% or Floor 5%
"C" Prime Rate + 5.00% or Floor 5%
*Rates effective 11/3/2025
*Annual Percentage Rate

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Boat Loans - 2023 through 2026 models

Term APR* as low as
36- 48 Months 7.25%
49-66 Months 7.49%
67-75 Months 7.75%
76- 84 Months 9.25%
85-108 months (Loan amounts over $20k only) 9.25%
109-144 Months (Loan amounts over $60k only) 9.75%

Boat Loans - 2016 through 2022 models

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

RV / Campers / Trailers - 2023 through 2026 models

Term APR* as low as
36- 48 Months 7.25%
49-66 Months 7.49%
67-75 Months 7.75%
76-84 Months 9.25%
85-108 Months (Loan amounts over $20k only) 9.25%
109-144 Months (Loan amounts over $40k only) 9.75%

RV / Campers / Trailers - 2015 through 2022 models

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


*Rates effective as of 10/1/2025
*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 6.75% variable
Prime Rate + 0.00% No Floor


1st Mortgage Loans

Term APR* as low as
30 year 5.99%
20 year 5.99%
15 year 5.99%
10 year 5.99%

*Rates effective 05/01/2026

*Annual Percentage Rate

NMLS: 462171
 


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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 0.10% 0.10%
.... balances up to $15,000* 3.489% 3.55%
.... balances over $15,000* 0.499% 0.50%

Startright youth checking

Description Rate APY**
StartRight Youth Checking 0.05% 0.05%
.... balances up to $2,000* 1.341% 1.35%
.... balances over $2,000* 0.499% 0.50%
*Must meet program requirements
 

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 - No rate bump available 3.450% 3.500%
1 Year - No rate bump available 3.924% 4.000%
2 Year 3.00% 3.04%
3 Year 2.75% 2.79%
4 Year 2.75% 2.79%
5 Year 2.75% 2.79%
 

special Share Certificates - $1000 minimum

Description Rate APY**
9 Month - not eligible for Direct Deposit discount 3.827% 3.90%
 
 

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 - not eligible for Direct Deposit discount 3.450% 3.500%
1 Year - not eligible for Direct Deposit discount 3.924% 4.000%
2 Year - not eligible for Direct Deposit discount 3.000% 3.040%
3 Year - not eligible for Direct Deposit discount 2.750% 2.790%
4 Year - not eligible for Direct Deposit discount 2.750% 2.790%
5 Year - not eligible for Direct Deposit discount 2.750% 2.790%
 

IRA special Share Certificates - $1000 minimum


 Rate APY**
9 Month - not eligible for Direct Deposit discount 3.827% 3.90%
 
 
 
**Annual Percentage Yield · 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 01/05/2026

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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%


business money market

Description Rate Tiers Dividend Rate APY**
Business Money Market - $2,500 min. balance $0 to $2,499.99 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 1.25% 1.26%

 

Elite business money market - limited time offer

Description Rate Tiers Dividend Rate APY**
Business Money Market - $5,000 min. balance
 $5,000 or more 2.75% 2.79%

 

business Share Certificates - $1000 minimum

Description Dividend Rate APY**
6 Month - No rate bump available 3.450% 3.500%
1 Year - No rate bump available 3.924% 4.000%
2 Year - No rate bump available 3.000% 3.040%
3 Year - No rate bump available 2.750% 2.790%
4 Year - No rate bump available 2.750% 2.790%
5 Year - No rate bump available 2.750% 2.790%
 

special Share Certificates - $1000 minimum

Description Rate APY**
9 Month - not eligible for Direct Deposit discount 3.827% 3.90%
 
 
**Annual Percentage Yield.  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: 01/05/2026

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.

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

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