Savings Rates
| Account Name |
Rate |
APY1 |
|
Primary, Special Savings & Traditional Christmas Club
Minimum to open: $5
Minimum to earn dividends: $0
|
0.05% |
0.05% |
|
Individual Retirement Account (IRA) Savings
Minimum to open & earn dividends: $100
|
0.30% |
0.30% |
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.
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%
3.20%
3.78%
3.535%
3.39%
3.49%
3.535%
|
0.75%
3.25%
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%
3.20%
3.78%
3.585%
3.44%
3.54%
3.585%
|
0.75%
3.25%
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%
3.20%
3.78%
3.63%
3.49%
3.585%
3.63%
|
0.75%
3.25%
3.85%
3.70%
3.55%
3.65%
3.70%
|
| 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% |
| Relationship Rewards Rate Add-Ons |
Standard |
Bronze |
Silver |
Gold |
Platinum |
Platinum Elite |
| Combined Balances2 |
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+ Months3 |
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. 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.
2Combined 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.
3Dividend increase applies to new or renewal certificates 24 months or greater.
Enhanced Money Market Rate
| Money Market Account |
Minimum Balance for APY1 |
Rate |
APY1 |
|
Enhanced Money Market Savings
Minimum to open is $50,000
|
$10,000
|
3.542%
|
3.60%
|
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
|
1.04%
1.29%
1.54%
3.008%
3.154%
3.25%
|
1.05%
1.30%
1.55%
3.05%
3.20%
3.30%
|
|
Money Market Checking
Minimum to open & earn dividends: $2,500
|
$2,500 |
0.10% |
0.10% |
1APY = Annual Percentage Yield as of 5/1/25. To earn 3.60% APY on an Enhanced Money Market Account, Member must open with a minimum deposit of $50,000 in new money and maintain balance of $10,000. Balance between $2,500 and $9,999 will earn 1.05% APY. Minimum to earn dividends is $2,500. "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 can not 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%
3.20%
3.78%
3.535%
3.39%
3.49%
3.535%
|
0.75%
3.25%
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%
3.20%
3.78%
3.585%
3.44%
3.54%
3.585%
|
0.75%
3.25%
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%
|
| Relationship Rewards Rate Add-Ons |
Standard |
Bronze |
Silver |
Gold |
Platinum |
Platinum Elite |
| Combined Balances2 |
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+ Months3 |
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. 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.
2Combined 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.
3Dividend increase applies to new or renewal certificates 24 months or greater.
