Imagine if your savings worked smarter.
Partners Certificates have higher rates than standard savings accounts, so they help your money grow faster. With no monthly service fees and low opening deposit minimums, Certificates let you focus on your future while your money does the heavy lifting.
Boost your balance with a shorter commitment or choose a longer runway to earn even more.
Members age 55 and older may be eligible for an additional dividend rate increase of 0.10% APY1 when opening or renewing a Partners Certificate.
3-Month Emergency Fund Certificate
Put your rainy-day dollars to work and keep flexibility for your funds.
- Open with as little as $100
- Enjoy one penalty-free withdrawal
- Deposit until you reach $2,500
|
|
Rate |
APY* |
|
3-Month Emergency Fund Certificate
|
3.20%
|
3.25%
|
High Yield Certificates
Match your term to your timeline and maximize what your savings can earn.
|
Rate |
APY2,3 |
|
12-Month Certificate
6-Month Certificate
|
3.780%
3.445%
|
3.85%
3.50%
|
Federally Insured by NCUA
*APY = Annual Percentage Yield. To earn 3.25% APY on a 3-Month Emergency Fund Certificate account, Member must open with a minimum deposit of $100, and a balance of at least $100 must be maintained for the full term. Additional deposits are allowed up to the maximum balance of $2,500. Member may make (1) one penalty-free principal withdrawal during the 3-Month term. A Primary Share is required for the Member to open Certificate. Monthly dividends will be transferred to the Primary Share. If the balance is over $2,500 at maturity, the overage will be transferred to the Primary Share. Limit one Emergency Fund Certificate per Member. All rates are subject to change without notice. Additional certificate rate add-ons are not allowed. Other terms and conditions may apply. 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. 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.
1APY = Annual Percentage Yield. Members ages 55+ may receive a 0.10% APY increase on new or renewal Certificates. This increase is added to the applicable standard Certificate rate in effect at the time of account opening or renewal. Each Member is federally insured up to $250,000 by the NCUA (National Credit Union Administration), a U.S. Government agency.
2APY = Annual Percentage Yield. To earn 3.85% APY on a 12-month Certificate account, the account must open with a minimum balance of $1,000 and maintain opening balance for the full term. 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. 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 and corresponding term upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
3APY = Annual Percentage Yield. To earn 3.50% APY on a 6-month Certificate account, the account must open with a minimum balance of $1,000 and maintain opening balance for the full term. 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. 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 and corresponding term upon maturity. The Credit Union reserves the right not to renew certificates upon maturity.
