High-Yield Savings
| Account Name |
Relationship Rewards Minimum Combined Household Balance2 |
Rate |
APY4 |
|
High Yield Savings
Minimum to open & earn dividends: $10,000
|
Standard: $0
Preferred: $5,000
Premium: $100,000
Elite: $250,000
|
0.000%
0.995%
1.490%
3.057%
3.154%
|
0.000%
1.000%
1.500%
3.100%
3.200%
|
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.
2Partners Members in good standing are eligible for Relationship Rewards benefits. Program and benefits are subject to change at any time. Visit partnersfcu.org/relationship-rewards for tiers and more information.
Household balance includes deposit balances, outstanding loan balances (based on the actual balance owed as of month end), and Partners Retirement and Wealth Management (PRWM) accounts for Members sharing the same physical address on file. Relationship Rewards tier eligibility is based on the total eligible month-end household balance and is updated monthly (PRWM balances are calculated within three days of month end).
3Private Banking eligibility requires $500,000 combined deposits and outstanding loans balances (excluding PRWM) with a minimum of $100,000 in deposits, or $250,000 in deposits (excluding PRWM), or select invitation groups. See partnersfcu.org/private-banking for eligibility details.
4APY = Annual Percentage Yield as of 9/1/26 is based on the Member's Relationship Rewards tier, which is determined by qualifying combined household balances and criteria. Member must open the account with a minimum deposit of $10,000 and maintain a balance of $10,000 to earn dividends. Rates are subject to change at any time and may change after the account is opened. Fees and other conditions may reduce earnings. Withdrawal limits may apply. Other terms and conditions apply. Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.
Certificate Rates
| Certificates |
Term |
Rate |
APY1 |
|
Standard
Minimum to open & earn dividends: $1,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
3.45%
3.78%
3.535%
3.39%
3.49%
3.535%
|
0.75%
3.50%
3.85%
3.60%
3.45%
3.55%
3.60%
|
|
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%
3.45%
3.78%
3.585%
3.44%
3.54%
3.585%
|
0.75%
3.50%
3.85%
3.65%
3.50%
3.60%
3.65%
|
|
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%
3.45%
3.78%
3.63%
3.49%
3.585%
3.63%
|
0.75%
3.50%
3.85%
3.70%
3.55%
3.65%
3.70%
|
| College Saver Certificates |
Term |
Rate |
APY1 |
|
Standard College Saver
Minimum to open & earn dividends: $500
|
24-Month
36-Month
48-Month
60-Month
|
3.535%
3.39%
3.49%
3.535%
|
3.60%
3.45%
3.55%
3.60%
|
|
Mini-Jumbo College Saver
Minimum to open & earn dividends: $50,000
|
24-Month
36-Month
48-Month
60-Month
|
3.585%
3.44%
3.54%
3.585%
|
3.65%
3.50%
3.60%
3.65%
|
|
Jumbo College Saver
Minimum to open & earn dividends: $100,000
|
24-Month
36-Month
48-Month
60-Month
|
3.63%
3.49%
3.585%
3.63%
|
3.70%
3.55%
3.65%
3.70%
|
| Certificate for Emergency Savings |
Term |
Rate |
APY1 |
|
Emergency Fund Certificate
Minimum to open & earn dividends: $100
Maximum Certificate balance: $2,500
|
3-Month |
3.20% |
3.25% |
| Certificate for Beginners |
Term |
Rate |
APY1 |
|
Starter Certificate
Minimum to open & earn dividends: $500
Maximum Certificate balance: $2,500
|
12-Month |
3.78% |
3.85% |
1APY = Annual Percentage Yield. Ages 55+ may receive a dividend increase on new or renewal certificates 24 months or greater. 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.
Enhanced Money Market Rate
| Money Market Account |
Minimum Balance for APY1 |
Rate |
APY1 |
|
Enhanced Money Market
Minimum to open is $10,000
|
$2,500 - $9,999
$10,000
|
0.995%
2.716%
|
1.00%
2.75%
|
Money Market Rates
| Money Market Account |
Minimum Balance for APY2 |
Rate |
APY2 |
|
Money Market Savings
Minimum to open is $2,500
|
$2,500
$25,000
$50,000
$100,000
$250,000
$500,000
|
0.747%
0.995%
1.243%
1.982%
2.080%
2.178%
|
.750%
1.00%
1.25%
2.00%
2.10%
2.20%
|
|
Money Market Checking
Minimum to open & earn dividends: $2,500
|
$2,500 |
0.10% |
0.10% |
1APY = Annual Percentage Yield as of September 1, 2026. To earn 2.75% APY on an Enhanced Money Market Account, Member must open with a minimum deposit of $10,000 in new money and maintain balance of $10,000. Minimum to earn dividends is $2,500. Balance between $2,500 and $9,999 will earn .75% APY. "New Money" is defined as funds not currently on deposit with Partners Federal Credit Union. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Fees and other conditions may reduce earnings on the account. Rate may change after the account is opened. Withdrawal limits may apply. All rates are subject to change without notice. Other terms and conditions may apply. Enhanced Money Market cannot be opened online. To open an Enhanced Money Market, schedule an appointment, visit a branch, or call us at 800.948.6677.
2APY = 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
| IRA Certificates |
Term |
Rate |
APY1 |
|
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%
3.45%
3.78%
3.535%
3.39%
3.49%
3.535%
|
0.75%
3.50%
3.85%
3.60%
3.45%
3.55%
3.60%
|
|
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%
3.45%
3.78%
3.585%
3.44%
3.54%
3.585%
|
0.75%
3.50%
3.85%
3.65%
3.50%
3.60%
3.65%
|
|
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%
3.20%
3.78%
3.63%
3.49%
3.585%
3.63%
|
0.75%
3.25%
3.85%
3.70%
3.55%
3.65%
3.70%
|
| Coverdell Certificate (Educational Savings) |
Term |
Rate |
APY1 |
|
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%
3.535%
3.39%
3.49%
3.535%
|
0.75%
|
1APY = Annual Percentage Yield. Ages 55+ may receive a dividend increase on new or renewal certificates 24 months or greater. 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.
Certificate Rates
| Certificates |
Term |
Rate |
APY1 |
|
Standard
Minimum to open & earn dividends: $1,000
|
3-Month
6-Month
12-Month
24-Month
36-Month
48-Month
60-Month
|
0.75%
3.45%
3.78%
3.535%
3.39%
3.49%
3.535%
|
0.75%
3.50%
3.85%
3.60%
3.45%
3.55%
3.60%
|
|
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%
3.45%
3.78%
3.585%
3.44%
3.54%
3.585%
|
0.75%
3.50%
3.85%
3.65%
3.50%
3.60%
3.65%
|
|
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%
3.45%
3.78%
3.63%
3.49%
3.585%
3.63%
|
0.75%
3.50%
3.85%
3.70%
3.55%
3.65%
3.70%
|
| College Saver Certificates |
Term |
Rate |
APY1 |
|
Standard College Saver
Minimum to open & earn dividends: $500
|
24-Month
36-Month
48-Month
60-Month
|
3.535%
3.39%
3.49%
3.535%
|
3.60%
3.45%
3.55%
3.60%
|
|
Mini-Jumbo College Saver
Minimum to open & earn dividends: $50,000
|
24-Month
36-Month
48-Month
60-Month
|
3.585%
3.44%
3.54%
3.585%
|
3.65%
3.50%
3.60%
3.65%
|
|
Jumbo College Saver
Minimum to open & earn dividends: $100,000
|
24-Month
36-Month
48-Month
60-Month
|
3.63%
3.49%
3.585%
3.63%
|
3.70%
3.55%
3.65%
3.70%
|
| Certificate for Emergency Savings |
Term |
Rate |
APY1 |
|
Emergency Fund Certificate
Minimum to open & earn dividends: $100
Maximum Certificate balance: $2,500
|
3-Month |
3.20% |
3.25% |
| Certificate for Beginners |
Term |
Rate |
APY1 |
|
Starter Certificate
Minimum to open & earn dividends: $500
Maximum Certificate balance: $2,500
|
12-Month |
3.78% |
3.85% |
1APY = Annual Percentage Yield. Ages 55+ may receive a dividend increase on new or renewal certificates 24 months or greater. 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.
Enhanced Money Market Rate
| Money Market Account |
Minimum Balance for APY1 |
Rate |
APY1 |
|
Enhanced Money Market
Minimum to open is $10,000
|
$2,500 - $9,999
$10,000
|
0.995%
2.716%
|
1.00%
2.75%
|
Money Market Rates
| Money Market Account |
Minimum Balance for APY2 |
Rate |
APY2 |
|
Money Market Savings
Minimum to open is $2,500
|
$2,500
$25,000
$50,000
$100,000
$250,000
$500,000
|
0.747%
0.995%
1.243%
1.982%
2.080%
2.178%
|
.750%
1.00%
1.25%
2.00%
2.10%
2.20%
|
|
Money Market Checking
Minimum to open & earn dividends: $2,500
|
$2,500 |
0.10% |
0.10% |
1APY = Annual Percentage Yield as of September 1, 2026. To earn 2.75% APY on an Enhanced Money Market Account, Member must open with a minimum deposit of $10,000 in new money and maintain balance of $10,000. Minimum to earn dividends is $2,500. Balance between $2,500 and $9,999 will earn .75% APY. "New Money" is defined as funds not currently on deposit with Partners Federal Credit Union. This schedule is incorporated as part of your account agreement with Partners Federal Credit Union. Fees and other conditions may reduce earnings on the account. Rate may change after the account is opened. Withdrawal limits may apply. All rates are subject to change without notice. Other terms and conditions may apply. Enhanced Money Market cannot be opened online. To open an Enhanced Money Market, schedule an appointment, visit a branch, or call us at 800.948.6677.
2APY = 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
| IRA Certificates |
Term |
Rate |
APY1 |
|
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%
3.45%
3.78%
3.535%
3.39%
3.49%
3.535%
|
0.75%
3.50%
3.85%
3.60%
3.45%
3.55%
3.60%
|
|
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%
3.45%
3.78%
3.585%
3.44%
3.54%
3.585%
|
0.75%
3.50%
3.85%
3.65%
3.50%
3.60%
3.65%
|
|
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%
3.20%
3.78%
3.63%
3.49%
3.585%
3.63%
|
0.75%
3.25%
3.85%
3.70%
3.55%
3.65%
3.70%
|
| Coverdell Certificate (Educational Savings) |
Term |
Rate |
APY1 |
|
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%
3.535%
3.39%
3.49%
3.535%
|
0.75%
|
1APY = Annual Percentage Yield. Ages 55+ may receive a dividend increase on new or renewal certificates 24 months or greater. 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.
