Rates as of 4/22/2016

 
MOTOR VEHICLES
Auto loan rates are based on the applicant's credit score, loan amount and term of loan.
  • Tier 1 - 726 or higher credit score.
  • Tier 2 - 725 or less credit score.
Vehicle Year Amortization Tier 1 Tier 2
2014 - 2016 up to 72 months 2.990% 3.990%
2012 - 2013 up to 60 months 3.500% 4.000%
2010-2011 up to 48 months 4.000% 4.500%  
2009-Below up to 36 months 5.000% 5.500%  
Sample Scenario (Based on Tier 1 credit score) (72 month) : A 6-year, $10,000 loan and $50 document prep fee, on a 2014-2016 model with a 3.160% APR would be 72 principal and interest payments of $151.89 per month. Rates are stated as Annual Percentage Rate (APR) and are effective as of April 1, 2016. Rates are subject to change without notice. Subject to credit approval.

Sample Scenario (Based on Tier 2 credit score) (72 month) : A 6-year, $10,000 loan and $50 document prep fee, on a 2014-2016 model with a 4.162% APR would be 72 principal and interest payments of $156.40 per month. Rates are stated as Annual Percentage Rate (APR) and are effective as of April 1, 2016. Rates are subject to change without notice. Subject to credit approval.

* All model years that do not have an auto pay from a Premier Bank checking will have an increase of 0.25% to the rates listed. 
 
BOAT | RV | MOTORCYCLE | SNOWMOBILES | ATV | MOTOR HOME

Model Year Amortization Interest Rate
2014 - 2016 up to 72 months 5.000%
2012 - 2013 up to 60 months 5.500%
2010-2011 up to 48 months 5.750%  
2009-Below up to 36 months 6.000%  
Rates are stated as Annual Percentage Rate (APR) and are effective as of April 1, 2016. Rates are subject to change without notice. Subject to credit approval. 

Add 0.25% without auto pay from a Premier Account. 
 
HOME EQUITY LOANS (closed-end fixed)
Term Interest Rate Annual Percentage Rate
Up to 120 months 3.990% 4.089% APR*
*Annual Percentage Rates (APR) as of 4/22/16 and are based on a $20,000 conforming loan and loan-to-value ratio of 100%. Add 0.50% for no Premier Bank Checking Account. Homeowner's insurance required. Owner occupied dwellings only. Subject to credit qualification. Closing costs to be paid by borrower. Loans requiring an appraisal subject to $250-$400 appraisal fee.  No annual fees. Consult your tax advisor regarding the deductibility of interest. 
Sample Scenario: 119 monthly payments of $202.43 and one final payment of $202.60

Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater. 
 
HOME EQUITY LOANS (closed-end variable | ARM)
Term Interest Rate Annual Percentage Rate
20 ARM 4.250% 4.305% APR*
*Annual Percentage Rates (APR) as of 4/22/2016 and are based on a $20,000 loan and loan-to-value ratio of 100%. Add 0.50% for no Premier Bank Checking Account. 

Loan is fixed for 10 years at 4.25%, then adjusts annually at Prime Rate plus one half percent (Prime Rate is currently 3.50% as published in the Wall Street Journal), and will vary, with a floor of 4.25% and a ceiling of 10%. 20-year term up to 100% loan-to-value ratio. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification.  Closing costs to be paid by borrower.  Loans requiring an appraisal subject to $250-$400 appraisal fee. No annual fees. Consult your tax advisor regarding the deductibility of interest.

Sample Scenario : 119 monthly payments of $123.88, then monthly payments of $123.88 and one payment of $125.46 based on the current index rate.

Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater. 
 
HOME EQUITY LINE OF CREDIT (open-end)
Term Annual Percentage Rate
120 months 4.00% APR*
 
*Annual Percentage Rate (APR) available for a limited time. Loan is tied to Prime Rate minus one-half percent (Prime Rate is currently 3.50% as published in the Wall Street Journal), and will vary with a floor of 4.00% and a ceiling of 10%. No Premier Bank checking account rate adjusts monthly at Prime with a 4.00% Floor/10.00% ceilingTen-year term up to 100% loan-to-value ratio. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification. Loans requiring an appraisal subject to $250-$400 appraisal fee. No annual fees. Consult your tax advisor regarding the deductibility of interest. 

Note: Loan requires monthly interest only payments that will be calculated on the amount of the current outstanding balance. 

Rates as of 4/22/2016.