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, December 21st, 2024
| Product | Rate* |
|---|---|
| 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, December 21st, 2024
| Product | Loan-to-Value (LTV) | Rate* |
|---|---|---|
| 5 Year Loan in 1st Lien Position | Up to 80% | As low as 5.99% |
| 10-15 Year Loan in 1st Lien Position | Up to 80% | As low as 6.50% |
| 5-15 Year Loan in 2nd Lien Position | Up to 70% | As low as 6.75% |
| Apply Now | ||
Home Equity Line of Credit Rates
Home Equity Line of Credit Rates
Effective Date: Saturday, December 21st, 2024
| Product | Loan-to-Value (LTV) | Introductory Rate*** | Variable APR* |
|---|---|---|---|
| Home Equity Line of Credit in 1st Lien Position | Up to 80% | Fixed 7.65% APR* for 6 billing cycles | Prime** - 0.10% |
| Home Equity Line of Credit in 1st Lien Position | 80.01% - 100% | Fixed 9.15% APR* for 6 billing cycles | Prime** + 1.40% |
| Home Equity Line of Credit in 2nd Lien Position | Up to 70% | Fixed 7.65 % APR* for 6 billing cycles | Prime** - 0.10% |
| Home Equity Line of Credit in 2nd Lien Position | 70.01% - 100% | Fixed 9.15%APR* for 6 billing cycles | Prime** + 1.40% |
| 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, December 21st, 2024
| Product | APR* As Low As |
|---|---|
| New Auto/Motorcycle (2022 & newer) | 5.49% |
| Used Auto/Motorcycle (2019-2021) | 6.49% |
| Used Auto/Motorcycle (2018 & older) | 8.49% |
| New Boat/RV (2022 & newer) | 10.49% |
| Used Boat/RV (2019-2021) | 11.49% |
| Used Boat/RV (2018 & older) | 13.49% |
| Apply Now | |
| Above rates include a 0.50% discount for automatic payments. | |
Personal Loan Rates
Personal Loan Rates
Effective Date: Saturday, December 21st, 2024
| Product | APR* As Low As |
|---|---|
| Personal Loan | 6.99% |
| Apply Now | |
| Above rate includes a 0.50% discount for automatic payments. | |
Secured Loan Rates
Secured Loan Rates
Effective Date: Saturday, December 21st, 2024
| 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, December 21st, 2024
| Product | Rate* |
|---|---|
| Student Loan | Click Here |
| Student Loan Consolidation | Click Here |
Deposit Rates
Saving Account Rates
Savings Accounts
| Product | Rate* | APY** |
|---|---|---|
| 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* | APY** |
|---|---|---|
| Basic Checking | 0.00% | 0.00% |
| Rewards Checking | 0.00% | 0.00% |
| OPEN AN ACCOUNT | ||
Youth Account Rates
Youth Accounts
Effective Date: Saturday, December 21st, 2024
| Youth Accounts | Rate* | APR* |
|---|---|---|
| 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* | APY** |
|---|---|---|
| Business Savings | 0.04% | 0.04% |
| High-Yield Business Savings ($0 - $9,999.99) | 0.04% | 0.04% |
| High-Yield Business Savings ($10,000+) | 2.47% | 2.50% |
| High-Yield Business Savings ($150,00+) | 4.41% | 4.50% |
| Basic Business Checking | 0.00% | 0.00% |
| Advanced Business Checking | 0.00% | 0.00% |
Money Market Rates
Money Market
| Product | Rate* | APY** |
|---|---|---|
| (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* | APY** |
|---|---|---|
| Tier 1 ($0 - $24,999.99) | 0.04% | 0.04% |
| Tier 2 ($25,000 +) | 0.14% | 0.14% |
Certificate Rates
Certificates
| Product | Rate* | APY** |
|---|---|---|
| (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% |
| 5 Month | ||
| $500 + | 4.64% | 4.75% |
| 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* | APY** |
|---|---|---|
| (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
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.
* Rate - Advertised Rate
** APY - Annual Percentage Yield
*** The fixed introductory rate will be in effect the 6 or 12 months after your account is opened, depending on the promotion selected, and whether or not funds have been advanced from your HELOC during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable APR.