Rates

Rates are effective as of October 2, 2023

*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and vary based on creditworthiness, qualifications, and amount of the loan. All loans are subject to approval. Rates as low as 7.90% APR. Interest will still accrue with the NO payment for 45 days offer. Loans range from a minimum of $500 to a maximum loan amount of $25,000. A personal loan for 5 years at 11.90% APR will have a monthly payment of $110.99. Term of up to 60 months.

Personal Line of Credit Disclosures

The APR is the Credit Union’s Standard Rate. The rate is fixed. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

© 2025 PenAir. Federally insured by NCUA. *APR=Annual Percentage Rate. APR is based on the Wall Street Journal Prime Rate which may vary with the market and is based on creditworthiness, qualifications and collateral conditions. The cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Subject to credit approval. Additional limitations, terms and conditions may apply.

**Offer only available on new accounts. You will receive 20,000 CURewards® bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the bonus points.

All annual percentage yields (APY) for share certificate accounts and certificate IRAs are accurate as of April 9, 2025.

*APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. The 7 Month Certificate will automatically renew as a 6 Month Certificate upon maturity. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.

**Not offered for IRAs

*APY = Annual Percentage Yield. The High-Yield Checking account is a tiered rate account paying up to 5.05% APY. The qualification cycle is defined as a period beginning on the last day of the previous calendar month in which dividends are paid and ending on the 40th calendar day prior. For daily balances $10,000.00 or less and you meet the following minimum qualification requirements for each qualification cycle, an APY up to 5.05% will apply. 1) receive at least one single ACH deposit of $250.00 in one (1) day and 2) be enrolled in and receive eStatements. If you meet any of the minimum qualification requirements for your account during the qualification cycle, for balances $10.000.01 or more, a 0% APY will apply. If your average daily balance is $10,000.01 or more, a blended rate may show on your periodic statement to reflect the dividends earned on the first $10,000.00 of the balance and no dividends earned on the remainder of the balance. Ex: An Average Daily Balance of $15,000 will show an APY of 3.37%. If you fail to meet any of the minimum qualification requirements during the qualification cycle, 0% APY will apply to the entire balance in the account. One (1) High-Yield Checking account is allowed per primary Social Security Number. If more than one (1) High-Yield Checking account is opened per primary Social Security Number, the additional High-Yield Checking account will revert to a Checking account. If you close your High Yield Checking account before the accrued dividends are credited, you will not receive the accrued dividends. A High-Yield Checking account is only available on a Personal account. Business accounts, Trust accounts, and other Special accounts are not eligible. Rates, terms, and conditions are subject to change without notice. PenAir reserves the right to discontinue or modify offer at any time. Membership is required. PenAir is federally insured by NCUA.

*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.

*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date.

APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings.