Rates

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Vehicle Loans

as low as

4.74%

Personal loans

as low as

8.74%

IRA Certificates

up to

3.40%

HELoc

as low as

7.50%

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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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AUTO LOANS

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

Vehicle Loans - 2022 through 2025 Models

Term	APR* as low as
36-48 Months	4.99%
49-66 Months	4.99%
67-75 Months	5.49%
76-84 months (Loan Amounts over $20k only)	5.99%
85-96 months (Loan Amounts over $60k only)	5.99%

Vehicle Loans - 2019 through 2021 Models

Term	APR* as low as
36-48 Months	4.99%
49-66 Months	5.49%
67-75 Months	5.99%
76-84 months (Loan Amounts over $20k only)	6.99%

Vehicle Loans - 2014 through 2018 Models

Term	APR* as low as
36-48 Months	6.99%
49-66 Months	7.49%

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	9.99%

*Annual Percentage Rate

*Rates Effective: 11/1/2024

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motorcycle, snowmobiles, atv & jet-skis

Rec Vehicles - 2022 through 2025 Models

Term	APR* as low as
Up to 48 Months	5.99%
Up to 66 Months	5.99%
Up to 75 Months	6.49%
Up to 84 Months (Loan Amounts over $20k only)	6.99%

Rec vehicles - 2019 through 2021 Models

Term	APR* as low as
Up to 48 Months	5.99%
Up to 66 Months	6.49%
Up to 75 Months	6.99%

rec vehicles - 2014 through 2018 Models

Term	APR* as low as
Up to 48 Months	7.99%
Up to 66 Months	8.49%

rec Vehicles - 2004 through 2013 models

Term	APR* as low as
Up to 48 Months	10.99%

rec Vehicles - Vintage models

Term	APR* as low as
Up to 48 Months	10.99%

*Annual Percentage Rate

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personal loans

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	8.75%
Prime + 1.00% or Floor 5%
"C" Prime Rate + 5.00% or Floor 5%

*Rates effective 10/1/2024

*Annual Percentage Rate

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boat, Rv, Camper & trailer loans

Boat Loans - 2022 through 2025 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 - 2014 through 2021 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 - 2022 through 2024 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 - 2014 through 2021 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 8/1/2024

*Annual Percentage Rate

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Home equity loans & Mortgage

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	7.50% variable
Prime Rate + 0.00% No Floor

1st Mortgage Loans

Term	APR* as low as
30 year	6.375%
20 year	6.250%
15 year	6.250%
10 year	5.990%

*Rates effective 01/14/2025

*Annual Percentage Rate

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Personal Share - Deposit Rates

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, Money Market, & IRA Rates

Share Certificates - $1000 minimum

Description	Rate	APY**
6 Month	2.70%	2.73%
1 Year	3.35%	3.40%
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 certificate - $1,000 minimum

Description	Rate	APY**
7 Month - not eligible for Direct Deposit discount	4.12%	4.20%

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	3.35%	3.40%
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 IRA Share Certificate - $1000 minimum

Description	Rate	APY**
7 Month - not eligible for Direct Deposit discount	4.12%	4.20%

**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 1/2/2025

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Business rates & pricing

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	3.00%	3.04%

business Share Certificates - $1000 minimum

Description	Dividend Rate	APY**
6 Month	2.70%	2.73%
1 Year	3.35%	3.40%
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 certificate - $1,000 minimum

Description	Rate	APY**
7 Month - not eligible for Direct Deposit discount	4.12%	4.20%

**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: 01/02/2025

Visa rates

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

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