Rates current as of: 11/28/2022
Checking and Savings Rates
1APY = Annual Percentage Yield. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. Rate may change after the account is opened. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity.
Certificate Rates
| 13-Month Certificate Special1 | Term | Rate | APY1 |
|---|---|---|---|
|
Standard
Minimum to open & earn dividends: $1,000
|
13-Month | 2.42% | 2.45% |
|
Mini-Jumbo Certificate
Minimum to open & earn dividends: $50,000
|
13-Month | 2.47% | 2.50% |
|
Jumbo Certificate
Minimum to open & earn dividends: $100,000
|
13-Month | 2.52% | 2.55% |
| 18-Month Certificate Special2 | Term | Rate | APY2 |
|---|---|---|---|
|
Standard
Minimum to open & earn dividends: $1,000
|
18-Month | 2.47% | 2.50% |
|
Mini-Jumbo Certificate
Minimum to open & earn dividends: $50,000
|
18-Month | 2.52% | 2.55% |
|
Jumbo Certificate
Minimum to open & earn dividends: $100,000
|
18-Month | 2.57% | 2.60% |
| Certificates | Term | Rate | APY3 |
|---|---|---|---|
|
Standard
Minimum to open & earn dividends: $1,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.69%
1.93%
1.98%
2.03%
2.08%
|
0.75%
1.00%
1.70%
1.95%
2.00%
2.05%
2.10%
|
|
Mini-Jumbo Certificate
Minimum to open & earn dividends: $50,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.73%
1.98%
2.03%
2.08%
2.13%
|
0.75%
1.00%
1.75%
2.00%
2.05%
2.10%
2.15%
|
|
Jumbo Certificate
Minimum to open & earn dividends: $100,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.78%
2.03%
2.08%
2.13%
2.27%
|
0.75%
1.00%
1.80%
2.05%
2.10%
2.15%
2.30%
|
| Certificate for Beginners | Term | Rate | APY3 |
|---|---|---|---|
|
Starter Certificate
Minimum to open & earn dividends: $500
|
12-Month | 1.69% | 1.70% |
| Relationship Rewards Rate Add-Ons4 | Standard | Bronze | Silver | Gold | Platinum | Platinum Elite |
|---|---|---|---|---|---|---|
| Combined Balances4 | Less than $2,500 | $2,500 - $10,000 | $10,001 - $25,000 | $25,001 - $100,000 | Greater than $100,000 | Greater than $100,000 and 15+ years Membership |
| Dividend Increase on Certificates 24+ Months5 | N/A | N/A | N/A | 0.05% | 0.10% | 0.15% |
| Senior Increase (55+ years) | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
1APY = Annual Percentage Yield accurate as of 12/05/22. The 2.55% APY promotional rate is available for Jumbo Certificates with a minimum $100,000 to open and earn dividends. A Standard Certificate earns 2.45% APY with a minimum $1,000 to open and earn dividends. A Mini-Jumbo Certificate earns 2.50% APY with a minimum of $50,000 to open and earn dividends. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
2APY = Annual Percentage Yield accurate as of 11/28/22. The 2.60% APY promotional rate is available for Jumbo Certificates with a minimum $100,000 to open and earn dividends. A Standard Certificate earns 2.50% APY with a minimum $1,000 to open and earn dividends. A Mini-Jumbo Certificate earns 2.55% APY with a minimum of $50,000 to open and earn dividends. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
3APY = Annual Percentage Yield. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
4Combined Balances include Deposit, Loan, and Partners Retirement and Wealth Management accounts. Excludes Certificates. A Partners Checking Account is required to earn the additional certificate rate add-ons.
5Dividend increase applies to new or renewal certificates 24 months or greater.
Money Market Rates
| Money Market Account | Minimum Balance for APY1 | Rate | APY1 |
|---|---|---|---|
|
Money Market Savings
Minimum to open is $2,500
|
$2,500
$25,000
$50,000
$100,000
$250,000
$500,000 - New!
|
1.04%
1.29%
1.54%
2.23%
2.37%
2.47%
|
1.05%
1.30%
1.55%
2.25%
2.40%
2.50%
|
|
Money Market Checking
Minimum to open & earn dividends: $2,500
|
$2,500 | 0.10% | 0.10% |
1APY = Annual Percentage Yield. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Rate may change after the account is opened. All rates are subject to change without notice.
Individual Retirement Account (IRA) Rates
| 13-Month IRA Certificate Special1 | Term | Rate | APY1 |
|---|---|---|---|
|
Traditional/Roth IRA Standard
Minimum to open & earn dividends: $1,000
|
18-Month | 2.42% | 2.45% |
|
Traditional/Roth IRA Mini-Jumbo Certificate
Minimum to open & earn dividends: $50,000
|
18-Month | 2.47% | 2.50% |
|
Traditional/Roth IRA Jumbo Certificate
Minimum to open & earn dividends: $100,000
|
18-Month | 2.52% | 2.55% |
| 18-Month IRA Certificate Special2 | Term | Rate | APY2 |
|---|---|---|---|
|
Traditional/Roth IRA Standard
Minimum to open & earn dividends: $1,000
|
18-Month | 2.47% | 2.50% |
|
Traditional/Roth IRA Mini-Jumbo Certificate
Minimum to open & earn dividends: $50,000
|
18-Month | 2.52% | 2.55% |
|
Traditional/Roth IRA Jumbo Certificate
Minimum to open & earn dividends: $100,000
|
18-Month | 2.57% | 2.60% |
| IRA Certificates | Term | Rate | APY3 |
|---|---|---|---|
|
Traditional/Roth IRA Standard
Minimum to open & earn dividends: $1,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.69%
1.93%
1.98%
2.03%
2.08%
|
0.75%
1.00%
1.70%
1.95%
2.00%
2.05%
2.10%
|
|
Traditional/Roth IRA Mini-Jumbo Certificate
Minimum to open & earn dividends: $50,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.73%
1.98%
2.03%
2.08%
2.13%
|
0.75%
1.00%
1.75%
2.00%
2.05%
2.10%
2.15%
|
|
Traditional/Roth IRA Jumbo Certificate
Minimum to open & earn dividends: $100,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.78%
2.03%
2.08%
2.13%
2.27%
|
0.75%
1.00%
1.80%
2.05%
2.10%
2.15%
2.30%
|
| Coverdell Certificate (Educational Savings) | Term | Rate | APY3 |
|---|---|---|---|
|
Coverdell Certificate
Minimum to open & earn dividends: $1,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
1.00%
1.69%
1.93%
1.98%
2.03%
2.08%
|
0.75%
1.00%
1.70%
1.95%
2.00%
2.05%
2.10%
|
| Relationship Rewards Rate Add-Ons4 | Standard | Bronze | Silver | Gold | Platinum | Platinum Elite |
|---|---|---|---|---|---|---|
| Combined Balances4 | Less than $2,500 | $2,500 - $10,000 | $10,001 - $25,000 | $25,001 - $100,000 | Greater than $100,000 | Greater than $100,000 and 15+ years Membership |
| Dividend Increase on Certificates 24+ Months5 | N/A | N/A | N/A | 0.05% | 0.10% | 0.15% |
| Senior Increase (55+ years) | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
1APY = Annual Percentage Yield accurate as of 12/5/22. The 2.55% APY promotional rate is available for Jumbo Certificates with a minimum $100,000 to open and earn dividends. A Standard Certificate earns 2.45% APY with a minimum $1,000 to open and earn dividends. A Mini-Jumbo Certificate earns 2.50% APY with a minimum of $50,000 to open and earn dividends. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
2APY = Annual Percentage Yield accurate as of 12/5/22. The 2.60% APY promotional rate is available for Jumbo Certificates with a minimum $100,000 to open and earn dividends. A Standard Certificate earns 2.50% APY with a minimum $1,000 to open and earn dividends. A Mini-Jumbo Certificate earns 2.55% APY with a minimum of $50,000 to open and earn dividends. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
3APY = Annual Percentage Yield. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency. Fees and other conditions may reduce earnings on the account. Early withdrawal penalties may apply. All rates are subject to change without notice. The rate contracted for all certificates will remain in effect for the entire term of the certificate. Certificates will be automatically renewed at the prevailing rate upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
4Combined Balances include Deposit, Loan, and Partners Retirement and Wealth Management accounts. Excludes Certificates. A Partners Checking Account is required to earn the additional certificate rate add-ons.
5Dividend increase applies to new or renewal certificates 24 months or greater.