Members of our financial family enjoy better 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 4/1/2026. APY = Annual Percentage Yield
Share Certificates
| Term | Dividend Rate | APY2 |
|---|---|---|
| 6 Months | 3.75% | 3.82% |
| 12 Months | 3.65% | 3.71% |
| 24 Months | 3.55% | 3.61% |
| 36 Months | 3.00% | 3.04% |
| 48 Months | 2.95% | 2.99% |
| 60 Months | 2.90% | 2.94% |
APY = Annual Percentage Yield is accurate as of today and is subject to change at any time, without advance notice. Minimum opening balance $500.00. Rates are fixed for the term of the certificate, but may change after that. Certificates are established on the day the account is opened and funded. Once established, the current rate in effect is locked in for the term of the certificate. Funds may be wired in order to receive and lock in a rate once the account has been established. Deposits sent by mail will be subject to the date the certificate is funded, not the day it was opened. Withdrawal of dividends will reduce earnings. Early withdrawal penalties apply. Requests for early withdrawals must be provided in writing.
Stack Checking
| Balance | Dividend Rate | APY4 |
|---|---|---|
| On balances up to $20,000 | 4.03% | 4.11% |
| On balances over $20,000 | 1.00% | 4.11% - 1.53% |
| All balances if qualifications not met | 0.05% | 0.05% |
Stack Checking 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.
Stack Savings
| Balance | Dividend Rate | APY3 |
|---|---|---|
| On balances up to $50,000 | 2.47% | 2.50% |
| On balances over $50,000 | 1.00% | 2.50 - 1.51% |
| All balances if qualifications not met | 0.05% | 0.05% |
Stack Savings Qualifications— Complete the following transactions and activities each monthly qualification cycle in Stack Checking: 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.
Individual Retirement Accounts (IRAs)
| Term | Dividend Rate | APY |
|---|---|---|
| 24 Months | 3.65% | 3.71% |
| 36 Months | 3.10% | 3.14% |
| 48 Months | 3.05 % | 3.09 % |
| 60 Months | 3.00 % | 3.04 % |
| Account | Dividend Rate | APY |
|---|---|---|
| IRA Share | 1.25 % | 1.26 % |
Minimum opening balance $500.00. There could be a penalty imposed for early withdrawal. Rates are fixed for the term of the IRA, but may change after that.
Annual Percentage Yield (APY) is accurate as of today and is subject to change at any time, without advance notice. Certificates are established on the day applications are received and funded. Once established, the current rate in effect is locked-in for the term of the certificate. Funds may be wired in order to receive and lock-in a rate once the account has been established. Deposits sent by mail will be subject to the date the certificate is funded, not the day it was opened. Withdrawal of dividends will reduce earnings. Early withdrawal penalties apply. Requests for early withdrawals must be provided in writing.
Primary and Simple Savings
Savings
| Account | Dividend Rate | APY |
|---|---|---|
| Freedom Shares* | 0.25% | 0.25% |
| Christmas Savings | 0.25% | 0.25% |
| Team Pelican | 1.25% | 1.26% |
| IRA Share | 1.25% | 1.26% |
| Money Market | Dividend Rate | APY |
|---|---|---|
| $20,000.00 – $99,999.99 | 1.80% | 1.82% |
| $100,000.00 – $199,999.99 | 2.80% | 2.84% |
| $200,000+ | 3.80% | 3.87% |
Rates may change after account is opened.
*$1,000.00 Minimum balance to earn dividends.
*$1,000.00 Minimum balance to earn dividends.
Business Shares
| Terms | Dividend Rate | APY |
|---|---|---|
| $100.00 - $1,000.00 | 0.10% | 0.10% |
| $1,000.01 - $10,000.00 | 0.15% | 0.15% |
| $10,000.01 - $50,000.00 | 0.20% | 0.20% |
| $50,000.01 & Above | 0.25% | 0.25% |
Rates may change after account is opened.
Personal Loans
Personal Loans with APR as low as 10.44%.*
*Rates shown above are the lowest offered by Pelican 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 $25 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.
Credit Cards
| Credit Card Type | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
|---|---|---|---|
| Pelican Points | as low as 14.75%* APR | Same as purchase rate. | Same as purchase rate. |
| Pelican Premier | as low as 16.75%* APR | Same as purchase rate. | Same as purchase rate. |
| Student Points | as low as 14.75%* APR | Same as purchase rate. | Same as purchase rate. |
| Pelican Prime | as low as 13.25%* APR | Same as purchase rate. | Same as purchase rate. |
| Pelican Pledge | 11.75%* 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.
See our Visa Disclosure(Opens in a new Window) for rates and additional information.
Business Credit Cards
| Credit Card Type | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
|---|---|---|---|
| Business Share Pledge Visa | 12.75% APR* | 12.75% APR | 12.75% APR |
| Business Visa Credit Card | 15.75%-18.75% APR* | 15.75%-18.75% APR | 18.75%-21.75% APR |
Auto and Motorcycle Loans
Autos
Auto loan rates as low as 4.34% APR*Motorcycles
Motorcycle loan rates as low as 9.2% APR*Apply for an Auto or Motorcycle Loan
*Rates shown above are the lowest offered by Pelican Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%, and a minimum credit score of 730. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $75 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.
Other Secured
RVs
RV loan rates as low as 7.80% APR*Apply for an RV Loan
Boats
Boat loan rates as low as 6.81% APR*Apply for a Boat Loan
*Rates shown above are the lowest offered by Pelican 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 $75 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.
1Rates shown above are the lowest offered by Pelican 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.
²APY = Annual Percentage Yield is accurate as of today and is subject to change at any time, without advance notice. Minimum opening balance $500.00. Rates are fixed for the term of the certificate, but may change after that. Certificates are established on the day the account is opened and funded. Once established, the current rate in effect is locked in for the term of the certificate. Funds may be wired in order to receive and lock in a rate once the account has been established. Deposits sent by mail will be subject to the date the certificate is funded, not the day it was opened. Withdrawal of dividends will reduce earnings. Early withdrawal penalties apply. Requests for early withdrawals must be provided in writing.
3Pelican Credit Union membership is required to open a Stack Savings account. Stack Savings is available only to holders of a Stack Checking account. The required membership share account must be opened and maintained in accordance with Pelican’s membership requirements. Pelican reserves the right to limit Stack Savings accounts to one per primary account holder Social Security number. Stack Savings is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If the average daily balance in your Stack Savings account is $150,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If the average daily balance in your Stack Savings account is greater than $150,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Stack Checking account does not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Savings 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 in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA.
4Pelican Credit Union membership is required to open a Stack Checking account. To become a member, you must open and maintain the required share account. The par value of one share is $5.00, and one share is required for membership. A minimum deposit of $25.00 is required to open a Stack Checking account. Pelican reserves the right to limit Stack Checking accounts to one per primary account holder Social Security number. Not everyone will qualify to open an account. Stack Checking is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If your average daily balance is $20,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If your average daily balance is greater than $20,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and range of APYs listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases that are cleared and posted to your account during the qualification period; ATM transactions do not qualify; (2) having direct deposit, ACH debit, ACH credit, or Bill Pay transaction posted to your Stack Checking account; (3) accessing online banking once during the qualification period; and (4) receiving your monthly statement electronically. If you meet all minimum service requirements during the qualification period, all nationwide ATM fees will be refunded by the second day of the next calendar month. Dividends earned and ATM fees refunded on the Stack Checking account will automatically be transferred to the Stack Savings Share account, if available, during the first week of the next calendar month. If you do not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Checking 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 in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA.