--- title: "Pearl Municipal Credit Union Rates (Nov 2026): Personal 5.50%" description: "Pearl Municipal Credit Union rates today: personal loans from 5.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Pearl Municipal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/mississippi/pearl-municipal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Pearl Municipal Credit Union Rates (Nov 2026): Personal 5.50% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | 4.000% APR | 4.000% | — | Context only | Pearl Municipal Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 5.500% APR | 5.500% | — | Standard | Pearl Municipal Credit Union personal loan rates as of November 12, 2026 Personal loan rates from 5.5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/mississippi/pearl-municipal) , verified from [Pearl Municipal Credit Union's official website](https://pearlcu.com/) Best product position **Better than the Mississippi median** personal loan Gap to state best **151 bp** 151 bp from state best Vs. state median **250 bp better than median** personal loan Products ranked **1** across tracked Mississippi markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 5.50% | Better than the Mississippi median | 151 bp from state best | 250 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Pearl Municipal 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=pearl-municipal&state=mississippi&code=MS&name=Pearl%20Municipal%20Credit%20Union) Loading branch locator… ## About Pearl Municipal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 711 Assets $2M Founded 1981 Locations reported 2 NCUA charter 24880 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Credit-builder products 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. [**Mississippi Highway Safty Pat** MS Highway Safety Patrol FCU · Pearl · MS · 392089 Branch in the same ZIP](https://rateapi.dev/credit-unions/mississippi/mississippi-highway-safty-pat) [**Members Exchange** Branch - Pearl · Pearl · MS · 39208 About 2.5 miles away](https://rateapi.dev/credit-unions/mississippi/members-exchange) [**Rivertrust** Rivertrust · Pearl · MS · 39208-5917 About 2.7 miles away](https://rateapi.dev/credit-unions/mississippi/rivertrust) [**Statewide** Statewide FCU · Flowood · MS · 39232-9527 About 4.8 miles away](https://rateapi.dev/credit-unions/mississippi/statewide) [**Hope** Hope Main Office · Jackson · MS · 39202-3431 About 5.2 miles away](https://rateapi.dev/credit-unions/mississippi/hope) [**Magnolia** Flowood Service Center · Flowood · MS · 39232-8858 About 5.4 miles away](https://rateapi.dev/credit-unions/mississippi/magnolia) 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 Pearl Municipal Credit Union Membership eligibility from Pearl Municipal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Pearl Municipal Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Pearl, Pearl Schools, Pearl Public School Verified from [Pearl Municipal Credit Union's membership page](https://pearlcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Pearl Municipal Credit Union Employers 3 3 published paths to membership, last verified October 11, 2026, quoted from Pearl Municipal Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Employee of City of Pearl “Employees and family members of the City of Pearl and Pearl Schools Employees.” > [source ↗](https://pearlcu.com/) - Employee of City of Pearl - Employee of Pearl Schools “Employees and family members of the City of Pearl and Pearl Schools Employees.” > [source ↗](https://pearlcu.com/) - Employee of Pearl Schools - Employee of Pearl Public School “We service employees from the City of Pearl and Pearl Public School employees and their immediate family members.” > [source ↗](https://pearlcu.com/) - Employee of Pearl Public School 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 Pearl Municipal Credit Union? Yes No ## Work at Pearl Municipal 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 Pearl Municipal Credit Union ranks against Mississippi peers. - See which AI assistants fetched Pearl Municipal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Mississippi - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=pearl-municipal&state=mississippi&code=MS&name=Pearl%20Municipal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Pearl Municipal Credit Union offer? Pearl Municipal Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Pearl Municipal Credit Union rates updated? RateAPI verifies Pearl Municipal 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 Pearl Municipal Credit Union's rate data? Rate data is collected directly from Pearl Municipal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Pearl Municipal Credit Union's personal loan rate? As of November 12, 2026, Pearl Municipal Credit Union offers personal loans from 5.5% APR. ### Who can join Pearl Municipal Credit Union? Pearl Municipal Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 3 employers for Pearl Municipal Credit Union, each quoted from Pearl Municipal Credit Union's own published membership criteria. ## Related Rate Data Compare Pearl Municipal Credit Union's rates against national credit-union benchmarks. [More Mississippi credit unions](https://rateapi.dev/credit-unions/mississippi) [Mississippi auto loan rate leaders](https://rateapi.dev/auto-loan-rates/mississippi) [Mississippi personal loan leaders](https://rateapi.dev/personal-loan-rates/mississippi) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://pearlcu.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 Pearl Municipal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Mississippi 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 Pearl Municipal Credit Union curl "https://api.rateapi.dev/credit-unions/mississippi /pearl-municipal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Pearl Municipal Credit Union locations Search, filter, and browse all 2 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/mississippi/pearl-municipal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp