Rates

Current Rates

Explore today’s deposit and loan rates. Rates effective as of February 04, 2026.

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Banking

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Business Account Rates

Product	Rate	APY ²
Business Savings	0.04%	0.04%
High-Yield Business Savings ⁸ ($0 – $9,999.99)	0.04%	0.04%
High-Yield Business Savings ⁸ ($10,000+)	1.49%	1.50%
High-Yield Business Savings ⁸ ($150,00+)	3.20%	3.25%
Basic Business Checking	0.00%	0.00%
Advanced Business Checking	0.00%	0.00%

2. APY = Annual Percentage Yield.

8. Minimum $10,000 opening deposit required. A $25 monthly fee will be assessed if minimum balance is not maintained. A maximum of two withdrawals is allowed per statement cycle; additional withdrawals will be imposed a fee. See Fee Schedule for details. Stated APY is variable and subject to change without notice.

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Certificate Rates ⁹

Product	Rate	APY ²
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%
8 Month
$500 +	3.73%	3.80%
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%
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%

2. APY = Annual Percentage Yield.

9. Minimum $500 opening deposit is required. Early withdrawal penalties may apply; fees may reduce earnings on account.

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Checking Account Rates

Product	Rate	APY ²
Basic Checking	0.00%	0.00%
Rewards Checking	0.00%	0.00%

2. APY = Annual Percentage Yield.

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IRA Certificate Rates ⁹

Product	Rate	APY ²
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%

2. APY = Annual Percentage Yield.

9. Minimum $500 opening deposit is required. Early withdrawal penalties may apply; fees may reduce earnings on account.

IRA Savings Rates

Product	Rate	APY ²
Tier 1 ($0 – $24,999.99)	0.04%	0.04%
Tier 2 ($25,000 +)	0.14%	0.14%

2. APY = Annual Percentage Yield.

Money Market Rates⁷

Product	Rate	APY ²
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%

2. APY = Annual Percentage Yield.

7. Disclosure text should read: Minimum $2,500 opening deposit required. A $20 monthly fee will be assessed if minimum balance is not maintained. A maximum of six withdrawals is allowed per statement cycle; additional withdrawals will be imposed a fee. See Fee Schedule for details.

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Savings Account Rates

Product	Rate	APY ²
Savings	0.04%	0.04%
Special Savings	0.04%	0.04%
High-Yield Savings ⁸ ($0 – $9,999.99)	0.04%	0.04%
High-Yield Savings ⁸ ($10,000+)	1.00%	1.00%
High-Yield Savings ⁸ ($150,000+)	2.23%	2.25%

2. APY = Annual Percentage Yield.

8. Minimum $10,000 opening deposit required. A $25 monthly fee will be assessed if minimum balance is not maintained. A maximum of two withdrawals is allowed per statement cycle; additional withdrawals will be imposed a fee. See Fee Schedule for details. Stated APY is variable and subject to change without notice.

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Youth Account Rates

Youth Accounts	Rate	APY ²
Youth Savings ¹³ ($0 – $2,000.00)	1.49%	1.50%
Youth Savings ¹³ ($2,000+)	0.04%	0.04%
Youth Checking ¹³	0.00%	0.00%

2. APY = Annual Percentage Yield.

13. Each dividend rate will apply only to the portion of the account balacne within each balance range, resulting in a blended APY.

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Borrow

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Auto Loan Rates

Product	APR ¹ as low as
New Auto ¹⁸ (2024 & newer)	4.49%
Used Auto ¹⁸ (2021-2023)	5.39%
Used Auto ¹⁸ (2020 & older)	7.39%

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

18. Quoted rates include a 0.50% discount for automatic payments from a Palisades Credit Union account. Maximum loan term is 84 months. As an example: a 48-month term with a fixed rate of 4.49% APR would result in an estimated payment of $227.99 for each $10,000 financed.

Recreational Loan Rates

Product	APR ¹ as low as
New Boat/RV ¹⁹ (2024 & newer)	9.49%
Used Boat/RV ¹⁹ (2021-2023)	10.39%
Used Boat/RV ¹⁹ (2020 & older)	12.39%
New Motorcycle ¹⁹ (2024 & newer)	4.49%
Used Motorcycle ¹⁹ (2021-2023)	5.39%
Used Motorcycle ¹⁹ (2020 & older)	7.39%

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

19. Quoted rates include a 0.50% discount for automatic payments from a Palisades Credit Union account. Maximum loan term is 60 months (motorcycle), 120 months (boat), and 120 months (RV). As an example: a 48-month term with a fixed rate of 4.49% APR would result in an estimated payment of $227.99 for each $10,000 financed. Additionally, as an example: a 48-month term with a fixed rate of 9.49% APR would result in an estimated payment of $251.18 for each $10,000 financed.

Credit Card Loan Rates

Product	APR ¹
Platinum Rewards MasterCard	15.74% – 17.99%, variable rate based on the Prime Rate ³

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

3. Prime Rate as of 1/1/2026 is 6.75%.

Home Equity Line of Credit Rates

Product	Lien Position	Loan-to-Value (LTV)	Variable APR ¹ as low as
Home Equity Line of Credit ¹⁷	1st	1.00% – 70.00%	6.65% (Prime ³ – 0.10%)
Home Equity Line of Credit ¹⁷	1st	70.01% – 80.00%	6.65% (Prime ³ – 0.10%)
Home Equity Line of Credit ¹⁷	1st	80.01% – 100.00%	8.25% (Prime ³ + 1.50%)
Home Equity Line of Credit ¹⁷	2nd	1.00% – 70.00%	6.65% (Prime ³ – 0.10%)
Home Equity Line of Credit ¹⁷	2nd	70.01% – 80.00%	7.75% (Prime ³ + 1.00%)
Home Equity Line of Credit ¹⁷	2nd	80.01% – 100.00%	8.25% (Prime ³ + 1.50%)

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

3. Rate is subject to a 3.50% floor rate and maximum rate of 15.00%. The rate is based on the current published WSJ Prime Rate minus a margin of 0.10%. The margin is based on credit worthiness, loan-to-value, and lien position and will vary. Standard HELOcs have a 10-year draw period and 15-year repayment period.

17. Closing costs are waived on loans/lines up to $250,000; additional conditions and geographic limitations may apply.

Home Equity Rates

Product	Term	Lien Position	Fixed APR ¹ as low as
Fixed Home Equity Loan ¹⁶	Up to 60 months	1st	5.99%
Fixed Home Equity Loan ¹⁶	61 to 180 months	1st	6.50%
Fixed Home Equity Loan ¹⁶	Up to 180 months	2nd	6.75%

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

16. As an example: a 180-month term and a 70% total loan-to-value for a home equity loan with a fixed rate of 6.50% APR would result in an estimated payment of $9 for each $1,000 financed.

Personal Loan Rates

Product	APR ¹ as low as
Personal Loan ²⁰	7.49%
Share Certificate Secured Loan	Rate of Certificate + 4%
Savings Share Secured Loan	Savings Rate + 4%

1. APR = Annual Percentage Rate. Rate and approval subject to lender’s credit criteria, certain conditions and restrictions may apply. All rates and terms are subject to change without notice.

20. Quoted rate includes a 0.50% discount for automatic payments from a Palisades Credit Union account. Maximum loan term is 60 months. As an example: a 60-month term with a fixed rate of 7.49% APR would result in an estimated payment of $200.33 for each $10,000 financed.

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