Rates
Lending Rates
Term up to |
APR* as low as |
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Rates are effective as of August 7, 2023 *APR = Annual Percentage Rate. Promo rate of 1% off standard rates. This offer is good through 09/30/2023. 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 5.90% APR. Interest will still accrue with the NO payment for 90 days offer. Loans range from a minimum of $500 to a maximum loan amount of $25,000. A $5,000 personal loan for 5 years at 9.90% APR will have a monthly payment of $106.04. Term of up to 60 months. |
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Term up to 60 months |
APR* as low as 5.90%* |
Loan Type |
Term up to |
APR* as low as |
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Rates are effective as of August 14, 2023. *APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant’s credit and may vary. All loans are subject to approval. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information. |
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Loan Type New Auto/Truck |
Term up to 84 months |
APR* as low as 4.99% |
Loan Type Used Auto/Truck |
Term up to 84 months |
APR* as low as 5.49% |
Loan Type |
Approx. Term |
APR* |
---|---|---|
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. |
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Loan Type Personal Line of Credit |
Approx. Term up to 60 months |
APR* 14.9% |
Credit Card Type |
Annual Fee |
APR* as low as |
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© 2023 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. |
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Credit Card Type Rewards Mastercard® ** |
Annual Fee None |
APR* as low as 13.90% |
Credit Card Type PenAir Mastercard® |
Annual Fee None |
APR* as low as 11.74% |
Credit Card Type Secured Mastercard® |
Annual Fee None |
APR* as low as 17.90% |
Credit Card Type Mastercard® Business Card |
Annual Fee None |
APR* as low as 17.90% |
Home Loans
Check our Mortgage Rates
Saving Rates
Term |
Dividend Rate |
APY* |
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All annual percentage yields (APY) for share certificate accounts and certificate IRAs are accurate as of August 29, 2023. *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. **Not offered for IRAs |
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Term 90 Days** - Not offered for IRAs |
Dividend Rate 4.906% |
APY* 5.000% |
Term 6 month |
Dividend Rate 5.08% |
APY* 5.200% |
Term 12 month |
Dividend Rate 5.233% |
APY* 5.360% |
Term 15 month Add-On |
Dividend Rate 2.521% |
APY* 2.550% |
Term 18 month |
Dividend Rate 2.765% |
APY* 2.800% |
Term 24 month |
Dividend Rate 2.813% |
APY* 2.850% |
Term 36 month |
Dividend Rate 2.862% |
APY* 2.900% |
Term 48 month |
Dividend Rate 2.911% |
APY* 2.950% |
Term 60 month |
Dividend Rate 3.008% |
APY* 3.050% |
Term |
Dividend Rate |
APY* |
Account Balance |
Dividend Rate |
APY* |
---|---|---|
*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. |
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Account Balance $0-$2,499.99 |
Dividend Rate 0% |
APY* 0% |
Account Balance $2,500-$24,999.99 |
Dividend Rate 0.350% |
APY* 0.350% |
Account Balance $25,000-$74,999.99 |
Dividend Rate 0.996% |
APY* 1.000% |
Account Balance $75,000-$199,999.99 |
Dividend Rate 1.244% |
APY* 1.250% |
Account Balance $200,000.00 and over |
Dividend Rate 1.985% |
APY* 2.000% |
Account Balance |
Dividend Rate |
APY* |
---|---|---|
*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. |
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Account Balance $25-$4,999.99 |
Dividend Rate 0.100% |
APY* 0.100% |
Account Balance $5,000-$24,999.99 |
Dividend Rate 0.100% |
APY* 0.100% |
Account Balance $25,000-$74,999.99 |
Dividend Rate 0.299% |
APY* 0.299% |
Account Balance $75,000 and over |
Dividend Rate 0.299% |
APY* 0.299% |
Type of Account |
Dividend Rate |
APY* |
---|---|---|
*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. |
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Type of Account Savings |
Dividend Rate 0.299% |
APY* 0.299% |
Type of Account Secondary Savings |
Dividend Rate 0.299% |
APY* 0.299% |
Type of Account Spending |
Dividend Rate 0% |
APY* 0% |