Rates

Lending Rates

Personal Loan

Term up to

APR* as low as

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 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.

Term up to

60 months

APR* as low as

7.90%*

New and Used Auto Loans

Loan Type

Term up to

APR* 

Rates are effective as of January 30, 2024.

*APR=Annual Percentage Rate. Rates vary based on the evaluation of an applicant’s credit and the loan term. 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.

Loan Type

New Auto/Truck

Term up to

48 - 84 months

APR* 

4.99% - 17.99%

Loan Type

Used Auto/Truck

Term up to

48 - 84 months

APR* 

5.74%-17.99%

Personal Line of Credit

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.

Loan Type

Personal Line of Credit

Approx. Term

up to 60 months

APR*

14.9%

Credit Cards

Credit Card Type

Annual Fee

APR* as low as

© 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.

Credit Card Type

Rewards Mastercard® **

Annual Fee

None

APR* as low as

14.15%

Credit Card Type

PenAir Mastercard®

Annual Fee

None

APR* as low as

11.99%

Credit Card Type

Secured Mastercard®

Annual Fee

None

APR* as low as

18.00%

Credit Card Type

Mastercard® Business Card

Annual Fee

None

APR* as low as

18.00%

Home Loans

Check our Mortgage Rates

Saving Rates

Certificate Account

Term

Dividend Rate

APY*

All annual percentage yields (APY) for share certificate accounts and certificate IRAs are accurate as of June 5, 2024.

*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

Term

3 month

Dividend Rate

3.445%

APY*

3.500%

Term

6 month

Dividend Rate

4.410%

APY*

4.500%

Term

12 month

Dividend Rate

4.169%

APY*

4.250%

Term

15 month Add-On

Dividend Rate

2.521%

APY*

2.550%

Term

18 month

Dividend Rate

3.445%

APY*

3.500%

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*

High-Yield Checking

Account Balance

Dividend

APY*

*APY = Annual Percentage Yield. The High-Yield Checking account is a tiered rate account paying up to 4% 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 4% 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 2.66%. 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. Pen Air reserves the right to discontinue or modify offer at any time. Membership is required. Pen Air is federally insured by NCUA.

Account Balance

$0 - $10,000

Dividend

4%

APY*

4%

Account Balance

$10,001 and up

Dividend

0%

APY*

0%

Money Market Account

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.

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

1.492%

APY*

 1.500%

Savings Account

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.

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%

Level UP Accounts

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.

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%

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