Members of our financial family enjoy lower rates


As a not-for-profit credit union, Pelican is able to offer lower rates than many other financial institutions.

Check out our low rates and apply whenever you're ready!

Rates effective as of 8/1/2022. APY = Annual Percentage Yield.





Term Dividend Rate APY
6 Months 2.25 % 2.27  %
12 Months 2.85 % 2.89 %
24 Months 2.95 % 2.99 %
36 Months 3.35 % 3.40 %
48 Months 3.45 % 3.51 %
60 Months 3.55 % 3.61 %
Minimum opening balance $500.00. There could be a penalty imposed for early withdrawal. Rates are fixed for the term of the certificate, but may change after that.
Term Dividend Rate APY
6 Months 2.25 % 2.27 %
12 Months 2.85 % 2.89 %
24 Months 2.95 % 2.99 %
36 Months 3.35 % 3.40 %
48 Months 3.45 % 3.51 %
60 Months 3.55 % 3.61 %
Minimum opening balance $10,000.00. There could be a penalty imposed for early withdrawal. Rates are fixed for the term of the certificate, but may change after that.
Balance Dividend Rate APY
On balances up to $7,500.00 4.17% 4.25%
On balances over $7,500.00 0.50% 4.25% to 0.76%
All balances if qualifications not met 0.05% 0.05%
Kasasa Cash Qualifications — Complete the following transactions and activities each monthly qualification cycle: Be enrolled and receive FREE eStatement notice, be enrolled and log into online or mobile banking, have at least 15 check card purchases post and settle, and have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle. Rates may change after account is opened.
Balance Dividend Rate APY
On balances up to $50,000 0.75% 0.75%
On balances over $50,000 0.55% 0.75% to 0.65%
All balances if qualifications not met 0.05% 0.05%
Kasasa Saver Qualifications — Complete the following transactions and activities each monthly qualification cycle in Kasasa Cash: Be enrolled and receive FREE eStatement notice, be enrolled and log into online or mobile banking, have at least 15 check card purchases post and settle, and have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle. Rates may change after account is opened.
Term Dividend Rate APY
6 Months 2.25% 2.27%
12 Months 2.85% 2.89%
24 Months 2.95% 2.99%
36 Months 3.35% 3.40%
48 Months 3.45% 3.51%
60 Months 3.55% 3.61%
Minimum opening balance $1,000.00. There could be a penalty imposed for early withdrawal. Rates are fixed for the term of the IRA, but may change after that.
Term Dividend Rate APY
6 Months 2.25% 2.27%
12 Months 2.85% 2.89%
24 Months 2.95% 2.99%
36 Months 3.35% 3.40%
48 Months 3.45% 3.51%
60 Months 3.55% 3.61%
Minimum opening balance $10,000.00. There could be a penalty imposed for early withdrawal. Rates are fixed for the term of the IRA, but may change after that.
Terms Dividend Rate APY
$100.01 - $5,000.00 0.40% 0.40%
$5,000.01 - $10,000.00  0.40% 0.40%
$10,000.01 - $20,000.00  0.40% 0.40%
$20,000.01 - $50,000.00  0.55% 0.55%
$50,000.01 - $100,000.00  0.55% 0.55%
$100,000.01 & Above  0.55% 0.55% 
Rates may change after account is opened.
Account Dividend Rate APY
Freedom Shares 0.25% 0.25%
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%
Team Pelican 0.40% 0.40%
IRA Share 0.89% 0.89%
Rates may change after account is opened.
Terms Dividend Rate APY
$100.00 - $1,000.00 0.15% 0.15%
$1,000.01 - $10,000.00 0.20% 0.20%
$10,000.01 - $50,000.00 0.25% 0.25%
$50,000.01 & Above 0.30% 0.30%
Rates may change after account is opened.
Term Rates as low as APR as low as* Sample amount Est. monthly payment (max term)
0-6 months 7.24% 12.37% $1,000 $170.30
7-12 months 7.75% 8.68% $3,000 $260.74
13-24 months 10.24% 10.54% $5,000 $231.44
25-60 months 11.24% 11.28% $15,000 $328.22
61-72 months 13.24% 13.27% $20,000 $404.44
K-12 Private School Tuition Loans

Term Rates as low as APR as low as* Sample amount Est. monthly payment (max term)
12 months 8.24% 11.06% $1,000 $87.14
*Rates shown above are the lowest offered by Pelican State Credit Union for the product and term listed. APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $15 document fee) and max term. Loan approval is based on certain credit criteria. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Payment may vary based on credit protection products added to the loan. Not all applicants may be approved. Rates may change after account is opened. 

Credit Card Type Purchase Rate Balance Transfer Rate Cash Advance Rate
Pelican Points as low as 11.00%* APR Same as purchase rate. Same as purchase rate.
Pelican Prime as low as 12.25% APR Same as purchase rate. Same as purchase rate.
Pelican Pledge 9.00%* APR Same as purchase rate. Same as purchase rate.
*This APR will vary with the market based on the Prime Rate

See our Visa Disclosure(Opens in a new Window) for rates and additional information.
Autos
Term Rates as low as APR as low as* Sample Amount Est. Monthly Payment (Max Term)
0-48 months 4.24% 4.52% $10,000 $226.94
49-60 months 4.74% 4.89% $15,000 $281.39
61-66 months 5.24% 5.38% $15,000 $262.20
67-72 months 5.54% 5.62% $25,000 $409.10
73-84 months 5.74% 5.79% $35,000 $507.20
85-90 months 6.24% 6.28% $45,000 $627.71
Motorcycles
Term Rates as low as APR as low as* Sample Amount Est. Monthly Payment (Max Term)
0-48 months 5.79% 6.07% $10,000 $233.99
49-60 months 6.04% 6.19% $15,000 $290.41
61-72 months 6.29% 6.37% $25,000 $417.97

*Rates shown above are the lowest offered by Pelican State Credit Union for the product and term listed. APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $55 document fee) and max term. Loan approval is based on certain credit criteria. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Payment may vary based on credit protection products added to the loan. Not all applicants may be approved. Rates may change after account is opened. 
 
RVs

Term Rates as low as APR as low as* Sample Amount Est. Monthly Payment per $1,000 borrowed (Max Term)
0-48 months 5.54% 5.73% $15,000 $349.27
49-60 months 5.79% 5.94% $15,000 $288.66
61-72 months 6.04% 6.10% $30,000 $498.00
73-96 months 7.04% 7.07% $50,000 $683.10
97-120 months 7.54% 7.57% $50,000 $594.96
121-132 months+ 8.54% 8.56% $75,000 $878.82
133-144 months+ 9.54% 9.55% $75,000 $877.28
 
Boats
Term Rates as low as APR as low as Sample Amount Est. Monthly Payment (Max Term)
0-48 months 5.54% 5.73% $6,000 $349.27
49-60 months 5.79% 5.94% $6,000 $288.66
61-72 months 6.04% 6.10% $12,000 $498.00
73-96 months 7.04% 7.07% $25,000 $683.10
97-120 months 7.54% 7.57% $50,000 $594.96
121-132 months 8.54% 8.56% $75,000 $878.82
133-144 months 9.54% 9.55% $75,000 $877.28

Rates shown above are the lowest offered by Pelican State Credit Union for the product and term listed. APR = Annual Percentage Rate. APR and estimated monthly payment calculated using sample amount listed (which includes a $55 document fee) and max term. Loan approval is based on certain credit criteria. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value. Payment may vary based on credit protection products added to the loan. Not all applicants may be approved. Rates may change after account is opened. 




Rates shown above are the lowest offered by Pelican State Credit Union for the advertised product. Loan approval is based on certain credit criteria and credit worthiness. Not everyone will qualify for rate advertised. Loan rate and term are determined by income, credit worthiness, collateral, and loan to value. Not all applicants may be approved. Rates may change after account is opened.