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We can save you money, and lots of it! Switching your high-interest loans and credit card balances to Pelican may lower your monthly payments.

We get it—bills and loan payments can pile up. Why not explore your options to save some serious money each month by refinancing your loans with Pelican?1

Take a look at these examples using our lowest annual percentage rates (APRs) and see how they may compare to what you're paying now. If your interest rate or monthly payment is higher, we might be able to help lower them.

Personal Loan Example     Credit Card Example


Monthly Payment:

$114.15*



Based on a $2,499 balance at 8.99% APR over a 24-month term.

APPLY


*Rate shown above is effective as of 5/12/2021. Estimated monthly payment may vary if credit protection products are added to loan. Applicant will be charged $5 for any loan application that is denied, withdrawn, or expired. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/personal for details. 

 


Minimum Monthly Payment:

$25.00*



Based on a $1,500 balance at 10.25% APR.

APPLY


*Rate shown above is effective as of 5/12/2021. Pelican Points Visa credit card has a variable rate. Pelican Points credit card approval is not guaranteed, and we may offer you other card types once you authorize Pelican to check your credit. We have the right to change your rates, fees, and terms at any time, for any reason, in accordance with the card-member agreement and applicable law. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/points for details.

Auto Loan Example     Boat Loan Example


Monthly Payment:

$442.60*



Based on a $20,000 balance at 2.99% APR over a 48-month term.

APPLY


*Rate above is the lowest offered by Pelican State Credit Union for the advertised product, and effective as of 5/12/2021. Rate with discount cannot go below 2.99% APR. Approval based on certain credit criteria and credit worthiness. Not everyone will qualify for rate reflected in monthly payment. Rate and term determined by credit worthiness, collateral, and loan to value. Terms range from 0-84 months. Volunteer collateral protection products available at additional costs. Applicant will be charged $5.00 for any loan application that is denied, withdrawn, or expired. All approved and book secured consumer loans with a title will be charged a $45 document fee. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/auto for details.

 


Monthly Payment:

$338.95*


Based on a $15,000 balance at 4.04% APR over a 48-month term.

APPLY


*Rate above is the lowest offered by Pelican State Credit Union for the advertised product, and effective as of 5/12/2021. Rate with discount cannot go below 4.04% APR. Approval based on certain credit criteria and credit worthiness. Not everyone will qualify for rate reflected in monthly payment. Rate and term determined by credit worthiness, collateral, and loan to value. Terms range from 0-84 months. Volunteer collateral protection products available at additional costs. Applicant will be charged $5.00 for any loan application that is denied, withdrawn, or expired. All approved and book secured consumer loans with a title will be charged a $45 document fee. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/boat for details.

Personal Loan Example

 

Monthly Payment:

$114.15*


Based on a $2,499 balance at 8.99% APR over a 24-month term.

APPLY

*Rate shown above is effective as of 5/12/2021. Estimated monthly payment may vary if credit protection products are added to loan. Applicant will be charged $5 for any loan application that is denied, withdrawn, or expired. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/personal for details. 

Credit Card Example

 

Minimum Monthly Payment:

$25.00*



Based on a $1,500 balance at 10.25% APR.

APPLY


*Rate shown above is effective as of 5/12/2021. Pelican Points Visa credit card has a variable rate. Pelican Points credit card approval is not guaranteed, and we may offer you other card types once you authorize Pelican to check your credit. We have the right to change your rates, fees, and terms at any time, for any reason, in accordance with the card-member agreement and applicable law. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/points for details.

Auto Loan Example

 

Monthly Payment:

$442.60*



Based on a $20,000 balance at 2.99% APR over a 48-month term.

APPLY

*Rate above is the lowest offered by Pelican State Credit Union for the advertised product, and effective as of 5/12/2021. Rate with discount cannot go below 2.99% APR. Approval based on certain credit criteria and credit worthiness. Not everyone will qualify for rate reflected in monthly payment. Rate and term determined by credit worthiness, collateral, and loan to value. Terms range from 0-84 months. Volunteer collateral protection products available at additional costs. Applicant will be charged $5.00 for any loan application that is denied, withdrawn, or expired. All approved and book secured consumer loans with a title will be charged a $45 document fee. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/auto for details.

Boat Loan Example

 

Monthly Payment:

$338.95*



Based on a $15,000 balance at 4.04% APR over a 48-month term.

APPLY


*Rate above is the lowest offered by Pelican State Credit Union for the advertised product, and effective as of 5/12/2021. Rate with discount cannot go below 4.04% APR. Approval based on certain credit criteria and credit worthiness. Not everyone will qualify for rate reflected in monthly payment. Rate and term determined by credit worthiness, collateral, and loan to value. Terms range from 0-84 months. Volunteer collateral protection products available at additional costs. Applicant will be charged $5.00 for any loan application that is denied, withdrawn, or expired. All approved and book secured consumer loans with a title will be charged a $45 document fee. Some restrictions may apply. Contact a Pelican representative or visit pelicanstatecu.com/boat for details.


Prefer to apply in person? Visit a Pelican branch near you to speak with a team member today!

FIND A LOCATION


On top of saving on loans, you could be earning more on your checking and savings accounts.1 Check out these examples and see how they may compare to the average national rates.2

Kasasa Cash3 Primary Savings4 Share Certificates5

 

Our rate:

4.25% APY

National average: 0.03%

APPLY

 

Our rate:

0.45% APY

National average: 0.06%

APPLY

 

Our rate:

1.03% APY

National average: 0.24%

APPLY

Kasasa Cash3

 

Our rate:

4.25%

National average: 0.03%

APPLY

Primary Savings4

 

Our rate:

0.45%

National average: 0.06%

APPLY

Share Certificates5

 

Our rate:

1.03%

National average: 0.24%

APPLY

 

1Pelican State CU membership required to open loan and deposit products. If you are not a Pelican member, you must be eligible to open a primary savings account with Pelican to become one. The deposit to open a primary savings account starts at a minimum of $10 ($5 to join + $5 minimum balance). 

2National average rate above is based on FDIC's monthly rate cap updates table which can be can be found here. National average rate above is effective as of 5/12/2021 and subject to change at any time.

3A minimum deposit of $25 is required to open Kasasa Cash account. APY = Annual Percentage Yield. APYs accurate and effective as of 5/12/2021. Rates and rewards may change after account is opened. This account is a tiered rate account. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $7,500 in your Kasasa Cash (tier 1) account earn a dividend rate of 4.17% resulting in an APY of 4.25%; and average daily balances over $7,500 (tier 2) earn a dividend rate of 0.50% on the portion of the average daily balance over $7,500, resulting in a range from 4.25% to 0.76% APY depending on the account's average daily balance. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. APY calculations are based on an assumed balance of $7,500 (tier 1) + $100,000 (tier 2) in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases (ATM transactions and transfers between accounts do not qualify) that are cleared and posted to your account during the qualification period; (2) having direct deposit, ACH debit or credit, or Bill Pay transaction posted to your Kasasa Cash account; (3) accessing online or mobile banking once during qualification period; and (4) receiving your monthly statement electronically. Transactions may take 1 or more banking days from the date transaction was made to post to and settle account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher within 30 days after the statement cycle where the reimbursement was applicable in order to receive a refund. The advertised Kasasa Cash APY is based on compounding dividends. If member has a Kasasa Saver account, dividends earned on Kasasa Cash balances are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividends paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Not everyone will qualify to open a Kasasa Cash rewards checking account. Pelican reserves the right to limit the number of accounts allowed per member, joint or individually. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. Other qualifications and restrictions apply. Contact a Pelican representative or visit pelicanstatecu.com/kasasa for details.

4Advertised Annual Percentage Yield (APY) of 0.45% is highest for Regular Share savings accounts and applies to accounts with balances of $20,000.01 and above. Rate is effective as of 5/12/2021. Share with balances of $100.01 - $20,000 earn 0.30% APY. Regular Share account dividends are paid quarterly on balances of $100.01 and above. Dividends are forfeited if account is closed prior to dividend payment. National average rate above is based on FDIC's monthly rate cap updates table which can be can be found here. National average rate above is effective as of 5/12/2021 and subject to change at any time. Other account transfer and withdrawal limitations may apply. Contact a Pelican representative or visit pelicanstatecu.com/regularshares for details.

5Advertised Annual Percentage Yield (APY) of 1.03% is the rate offered for a 60-month term, effective as of 5/12/2021. Dividend rate varies by deposit amount and term of certificate. Penalties may apply for early withdrawal. Rates may change after account is opened. National average rate above is based on FDIC's monthly rate cap updates table which can be can be found here. National average rate above is effective as of 5/12/2021 and subject to change at any time. Other restrictions apply. Contact a Pelican representative or visit pelicanstatecu.com/certificate for details.