From your first savings account to your dream home, PEAR is your partner every step of the way — with better rates, no hidden fees, and a team that actually knows your name.
No monthly fees, no minimum balance, and access to 55,000+ fee-free ATMs nationwide. Get your direct deposit up to 2 days early and enjoy real-time alerts on every transaction.
Earn 10x the national average with our high-yield savings account. No minimum deposit required. Watch your money grow faster with compounding interest and no withdrawal limits.
Enjoy higher rates with more flexibility. Write checks, use a debit card, and earn tiered interest that rewards larger balances. NCUA-insured up to $250,000.
Lock in a guaranteed rate from 3 months to 5 years. Choose the term that works for your timeline with no risk and predictable returns.
Predictable payments for the life of your loan. Our local mortgage advisors will guide you from pre-approval to closing, with no surprise fees. First-time buyer programs available.
Fast approvals often in under an hour. No prepayment penalties. Finance new vehicles, used vehicles, or refinance your existing auto loan to a better rate.
No collateral needed. Whether it's a home renovation, medical bill, or major purchase, our personal loans offer fixed rates and flexible repayment up to 60 months.
Lower your monthly payment or pay off your student debt faster by refinancing with PEAR. Competitive fixed and variable rates with no origination fees.
Open a brokerage account with guidance from our certified financial planners. Access stocks, bonds, ETFs, and more through our platform.
Traditional, Roth, and SEP-IRAs available with contribution matching support and personalized retirement roadmaps.
PEAR Trust provides estate planning, will preparation, and fiduciary trust management — preserving your legacy across generations.
Join us monthly for in-person and online workshops on budgeting, credit scores, homebuying, investing, and retirement planning. Open to all members and community guests.
Schedule a free session with a PEAR financial counselor. We'll review your budget, goals, and debts — then build a clear, personal plan.
Access 100+ articles, videos, and calculators through your member portal — from first paycheck basics to advanced investment strategies.
We partner with local schools to bring financial literacy programs to students ages 10–18. Teaching saving, budgeting, and entrepreneurship early.
Anyone who lives, works, worships, or attends school in our service area is eligible. Simply open a savings account with a $5 minimum deposit. That's it — you're an owner.
Yes. All deposits are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor — the same protection as FDIC for banks.
At PEAR, you're a member-owner, not just a customer. Our profits are returned to members through better rates, lower fees, and community investment — not to outside shareholders.
Absolutely. Our full-featured online banking and mobile app let you manage accounts, pay bills, deposit checks, transfer funds, and get real-time notifications 24/7.