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Consumer Loan Rates

Your Next Loan* Rate Could Be Lower Than You Expect!

Let your relationship with Premier save you even more money!

Your loan rate may qualify for additional discounts (up to 0.75% off) if you meet the following conditions:

  • 0.50% if you fully protect your loan with Credit Disability and Credit Life Insurance.
  • 0.15% if you have been a Premier member for 5 or more years.
  • 0.25% if you have an active checking account with 3+ months Direct Deposit.
  • 0.10% if your loan payments are made by automatic transfer or payroll deduction.
  • 0.25% if you have multiple loans with Premier or you are a repeat borrower.

  • *Excluding Real Estate Loans, Visa Credit Cards, Share Loans and SmartStart Loans

    Also, if you are thinking about buying a Hybrid or Fuel Efficient vehicle with a combined MPG rating of 40 MPG or more as determined from the Web site you could save:

  • 0.50% off your Vehicle loan

  •  Loan Type


     Vehicle Loans (new and used)

    As low as 2.95% to 18.00%

     Boat & RV Loans (new and used)

    As low as 5.45% to 18.00%

     Farm Equipment (new and used)

    As low as 5.45% to 18.00%

     Certificate Secured Loan

    Certificate Rate + 3.00%

     Share Secured Loan

    Share Rate + 3.00%

     Personal Loan

    As low as 8.75% to 18.00%

     Personal Line of Credit

    As low as 8.75% to 18.00%

     Overdraft Loan

    As low as 8.75% to 18.00%

     Smart Start Loan

    Share Rate + 5.00%

     Visa Platinum Credit Card with Rewards  
     Visa Platinum Credit Card   
     Visa Secured Credit Card 

    As low as 8.15% (Variable)
    As low as 9.90% (Fixed)
    As low as 9.90% (Fixed)

    Effective as of December 20, 2018.  Rates are subject to change.  Please check with your local branch for additional information.

    **APR = Annual Percentage Rate.  Floor rate with loan discounts is 2.95% APR.  Rate discounts are not available on Real Estate Loans, Visa Credit Cards, Share Loans or Smart Start Loans.  Your APR may vary depending upon your credit worthiness.  Please contact us for details on how your rate is determined.  All rates are subject to change.  Call us at 336-370-1286 for changes and/or additional disclosures.  Visa Variable-Rate Credit Card includes UChoose Rewards program.  UChoose Rewards program is not available with the Fixed-Rate Platinum or Secured Visa Credit Card options.

    As low as 8.75% to 18.00%

    As low as 8.75% to 18.00%