--- title: "Premier America Credit Union: #1 Personal Loan in California" description: "Premier America Credit Union has the lowest tracked personal loan rate in California (3.00% APR) among 90 credit unions we verify. Premier America Credit Union rates today: vehicle loans from 7.74% APR, HELOC from 8.00% APR, savings & CDs up to 3.50% APY, personal loans from 3.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Premier America Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/premier-america" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Premier America Credit Union: #1 Personal Loan in California ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Used RV- 10 years or newer** rv_used | 7.740% APR | 7.740% | used | Standard | | **New RV Loan** rv_new | 7.740% APR | 7.740% | new | Standard | | **New Motorcycles- Excludes dirt bikes** motorcycle_new | 10.850% APR | 10.850% | new | Standard | | **Used Motorcycles (2020-2026)- Excludes dirt bikes** motorcycle_used | 11.850% APR | 11.850% | used | Standard | | **New Boat Loan** boat_new | 11.850% APR | 11.850% | new | Standard | | **Used Boats- 10 years or newer** boat_used | 12.600% APR | 12.600% | used | Standard | Premier America Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity/Equity Express (Closed-End Loan)** heloc | 8.000% APR | 8.000% | — | Standard | Premier America Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Certificate-Secured Loan** personal_secured | 3.000% APR | 3.000% | — | Standard | | **HomeLine (Line of Credit)³** ploc_variable | 5.990% APR | 5.990% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | 9.240% APR | 9.240% | — | Context only | Premier America Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Signature Mastercard®** credit_card_platinum | 12.240% APR | 12.240% | — | Standard | | **Secured Credit Card** credit_card_secured | 12.240% APR | 12.240% | — | Standard | | **Advantage Mastercard®** credit_card | 15.240% APR | 15.240% | — | Standard | | **Premier Business Mastercard®** credit_card_business | 15.240% APR | 15.240% | — | Standard | | **Credit Builder Mastercard®** credit_card | 17.240% APR | 17.240% | — | Standard | Premier America Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Business Advantage Money Market Account** money_market | 0.15% APY | 0.15% | — | Eligibility restricted | | **Advantage IRA Money Market** ira | 0.15% APY | 0.15% | — | Standard | | **Youth Smart Savings** savings | 0.50% APY | 0.50% | — | Eligibility restricted | | **3-Month Certificate** cd_3mo | 2.75% APY | 2.72% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | 2.95% APY | 2.95% | 6 mo | Standard | | **24-Month Certificate** cd_24mo | 3.00% APY | 2.96% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 3.00% APY | 2.96% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 3.00% APY | 2.96% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 3.00% APY | 2.96% | 60 mo | Standard | | **18-Month Certificate** cd_18mo | 3.00% APY | 2.96% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | 3.05% APY | 3.01% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 3.25% APY | 3.20% | 12 mo | Standard | | **Premier Plus Checking²** checking | 3.50% APY | 3.50% | — | Standard | Premier America Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 84 Months 4** other | 6.490% % | 6.490% | — | Standard | Premier America Credit Union other rates as of November 12, 2026 Vehicle loans available from 7.74% APR. HELOC rates from 8% APR. Personal loan rates from 3% APR. Credit card rates from 12.24% APR. Savings and certificate yields up to 3.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/premier-america) , verified from [Premier America Credit Union's official website](https://www.premieramerica.com/) Best product position **#1 of 90** personal loan Gap to state best **0 bp** State market leader Vs. state median **698 bp better than median** personal loan Products ranked **2** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 8.00% | Room to improve vs. the California median | 201 bp from state best | 100 bp behind median | | personal loan | 3.00% | #1 of 90 · lowest in California | State market leader | 698 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Premier America Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=premier-america&state=california&code=CA&name=Premier%20America%20Credit%20Union) Loading branch locator… ## About Premier America Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 117.4K Assets $3.3B Founded 1957 Locations reported 21 NCUA charter 68428 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Logix** Porter Ranch · Porter Ranch · CA · 91326-4246 About 2.5 miles away](https://rateapi.dev/credit-unions/california/logix) [**Matadors Community** Chatsworth · Chatsworth · CA · 91311 About 4.1 miles away](https://rateapi.dev/credit-unions/california/matadors-community) [**The First Financial** Northridge Branch · Northridge · CA · 91324 About 4.2 miles away](https://rateapi.dev/credit-unions/california/the-first-financial) [**Schoolsfirst** 74 - Northridge · Northridge · CA · 91324 About 4.4 miles away](https://rateapi.dev/credit-unions/california/schoolsfirst) [**Certified** Granada Hills Branch · Granada Hills · CA · 91344 About 6.1 miles away](https://rateapi.dev/credit-unions/california/certified) [**Water and Power Community** Northridge/Granada Hills Branch · Granada Hills · CA · 91344-7404 About 6.4 miles away](https://rateapi.dev/credit-unions/california/water-and-power-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Premier America Credit Union Membership eligibility from Premier America Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Premier America Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Premier America Credit Union's membership page](https://www.premieramerica.com/) . Final membership determination is always made by the credit union. ## Membership rules for Premier America Credit Union Schools 1 published path to membership, last verified August 21, 2026, quoted from Premier America Credit Union’s own published criteria. ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of CSUN “CSUN Partnership” > [source ↗](https://www.premieramerica.com/join-now) - Student at CSUN Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Premier America Credit Union? Yes No ## Work at Premier America Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Premier America Credit Union ranks against California peers. - See which AI assistants fetched Premier America Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=premier-america&state=california&code=CA&name=Premier%20America%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Premier America Credit Union offer? Premier America Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Premier America Credit Union rates updated? RateAPI verifies Premier America Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Premier America Credit Union's rate data? Rate data is collected directly from Premier America Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Premier America Credit Union's rv, boat & motorcycle loan rates? As of November 12, 2026, Premier America Credit Union offers vehicle loans from 7.74% APR. ### What is Premier America Credit Union's HELOC rate? As of November 12, 2026, Premier America Credit Union offers home equity lines of credit from 8% APR. ### What is Premier America Credit Union's personal loan rate? As of November 12, 2026, Premier America Credit Union offers personal loans from 3% APR. ### What is Premier America Credit Union's best CD rate? As of November 12, 2026, Premier America Credit Union offers savings and certificate (CD) yields up to 3.50% APY. ### Who can join Premier America Credit Union? Premier America Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path covering 1 school for Premier America Credit Union, each quoted from Premier America Credit Union's own published membership criteria. ## Related Rate Data Compare Premier America Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.premieramerica.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Premier America Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Premier America Credit Union curl "https://api.rateapi.dev/credit-unions/california /premier-america " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Premier America Credit Union locations Search, filter, and browse all 21 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/premier-america Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp