Rates
As a not-for-profit, Palisades Credit Union strives to provide you with the most competitive rates. Our goal is to save our members as much as possible with our savings and loan products. Below you will find links to rates for all of our products.
Loan Rates
Credit Card Loan Rates
Credit Card Loan Rates
Effective Date: Saturday, February 22nd, 2025
| Product | APR1 |
|---|---|
| Platinum Rewards MasterCard | 16.49% - 17.99%, variable rate based on the Prime Rate |
| Apply Now | |
Home Equity Rates
Home Equity Rates
Effective Date: Saturday, February 22nd, 2025
| Product | Term | Lien Position | Fixed APR1 as low as |
|---|---|---|---|
| Fixed Home Equity Loan | Up to 60 months | 1st | 5.99% |
| Fixed Home Equity Loan | 61 to 120 months | 1st | 6.50% |
| Fixed Home Equity Loan | Up to 120 months | 2nd | 6.75% |
| Apply Now | |||
Home Equity Line of Credit Rates
Home Equity Line of Credit Rates
Effective Date: Saturday, February 22nd, 2025
| Product | Lien Position | Loan-to-Value (LTV) | Variable APR1 as low as |
|---|---|---|---|
| Home Equity Line of Credit | 1st | 1.00% - 80.00% | 7.40% (Prime3 - 0.10%) |
| Home Equity Line of Credit | 1st | 80.01% - 100.00% | 9.00% (Prime3 - 1.50%) |
| Home Equity Line of Credit | 2nd | 1.00% - 70.00% | 7.40% (Prime3 - 0.10%) |
| Home Equity Line of Credit | 2nd | 70.01% - 80.00% | 8.50% (Prime3 - 1.00%) |
| Home Equity Line of Credit | 2nd | 80.01% - 100.00% | 9.00% (Prime3 - 1.50%) |
| Apply Now | |||
| No closing costs on HELOCs up to $250,000 | |||
Auto, Motorcycle, Boat & RV Loan Rates
Auto, Motorcycle, Boat & RV Loan Rates
Effective Date: Saturday, February 22nd, 2025
| Product | APR1 as low as |
|---|---|
| New Auto/Motorcycle (2023 & newer) | 4.99% |
| Used Auto/Motorcycle (2020-2022) | 5.99% |
| Used Auto/Motorcycle (2019 & older) | 7.99% |
| New Boat/RV (2023 & newer) | 9.99% |
| Used Boat/RV (2020-2022) | 10.99% |
| Used Boat/RV (2019 & older) | 12.99% |
| Apply Now | |
| Above rates include a 0.50% discount for automatic payments. | |
Personal Loan Rates
Personal Loan Rates
Effective Date: Saturday, February 22nd, 2025
| Product | APR1 as low as |
|---|---|
| Personal Loan | 8.74% |
| Apply Now | |
| Above rate includes a 0.50% discount for automatic payments. | |
Secured Loan Rates
Secured Loan Rates
Effective Date: Saturday, February 22nd, 2025
| Product | Rate |
|---|---|
| Share Certificate Secured Loan | Rate of Certificate + 4% |
| Savings Share Secured Loan | Savings Rate + 4% |
| Apply Now | |
Student Loan Rates
Student Loan Rates
Effective Date: Saturday, February 22nd, 2025
| Product | Rate |
|---|---|
| Student Loan | Click Here |
| Student Loan Consolidation | Click Here |
Deposit Rates
Saving Account Rates
Savings Accounts
| Product | Rate | APY2 |
|---|---|---|
| Savings | 0.04% | 0.04% |
| Special Savings | 0.04% | 0.04% |
| High-Yield Savings ($0 - $9,999.99) | 0.04% | 0.04% |
| High-Yield Savings ($10,000+) | 1.98% | 2.00% |
| High-Yield Savings ($150,000+) | 3.93% | 4.00% |
| OPEN AN ACCOUNT | ||
Checking Account Rates
Checking Accounts
| Product | Rate | APY2 |
|---|---|---|
| Basic Checking | 0.00% | 0.00% |
| Rewards Checking | 0.00% | 0.00% |
| OPEN AN ACCOUNT | ||
Youth Account Rates
Youth Accounts
Effective Date: Saturday, February 22nd, 2025
| Youth Accounts | Rate | APY2 |
|---|---|---|
| Youth Savings ($0 - $2,000.00) | 1.49% | 1.50% |
| Youth Savings ($2,000+) | 0.04% | 0.04% |
| Youth Checking | 0.00% | 0.00% |
| OPEN AN ACCOUNT | ||
Business Accounts
Business Accounts
| Product | Rate | APY2 |
|---|---|---|
| Business Savings | 0.04% | 0.04% |
| High-Yield Business Savings ($0 - $9,999.99) | 0.04% | 0.04% |
| High-Yield Business Savings ($10,000+) | 1.98% | 2.00% |
| High-Yield Business Savings ($150,00+) | 3.93% | 4.00% |
| Basic Business Checking | 0.00% | 0.00% |
| Advanced Business Checking | 0.00% | 0.00% |
Money Market Rates
Money Market
| Product | Rate | APY2 |
|---|---|---|
| (Minimum Balance $2,500.00) (Minimum balance to earn APY is $2,500.00) | ||
| Tier 1 ($2,500 - $9,999) | 0.05% | 0.05% |
| Tier 2 ($10,000 - $24,999) | 0.10% | 0.10% |
| Tier 3 ($25,000 - $49,999) | 0.15% | 0.15% |
| Tier 4 ($50,000 - $99,999) | 0.20% | 0.20% |
| Tier 5 ($100,000 - $249,999) | 0.25% | 0.25% |
| Tier 6 ($250,000+) | 0.30% | 0.30% |
| Open An Account | ||
IRA Savings Rates
IRA Savings
| Product | Rate | APY2 |
|---|---|---|
| Tier 1 ($0 - $24,999.99) | 0.04% | 0.04% |
| Tier 2 ($25,000 +) | 0.14% | 0.14% |
Certificate Rates
Certificates
| Product | Rate | APY2 |
|---|---|---|
| (Minimum Balance $500.00. Minimum Balance to earn APY is $500.00) | ||
| 3 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 6 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 9 Month | ||
| $500 + | 4.16% | 4.25% |
| 12 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 18 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 24 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 25 Month | ||
| $500 + | 3.68% | 3.75% |
| 35 Month | ||
| $500 + | 3.92% | 4.00% |
| 36 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 48 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 60 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| Open An Account | ||
IRA Certificate Rates
IRA Certificates
| Product | Rate | APY2 |
|---|---|---|
| (Minimum Balance $500.00. Minimum balance to earn APY is $500.00) | ||
| 12 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 24 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 36 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 48 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 60 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
Mortgage Rates
1APR = Annual Percentage Rate
2APY = Annual Percentage Yield
3Prime = Prime Rate as of 12/19/2024 is 7.50%.
For variable-rate accounts, rates may change after the account is opened without prior notice and are compounded date of deposit. Annual Percentage Yield assumes principal and interest remain on deposit for the term of the certificate.
Certificate Accounts and IRAs have penalties for early withdrawals. Certificates are automatically renewed at maturity. Fees could reduce the earnings on the account.