Savings & Certificates
Savings & Certificates
Save today and enjoy tomorrow. From setting aside money for a special trip to saving for retirement, Partners Members can plan for all milestones in life. Explore the many benefits and types of accounts below to find what best suits your needs and start saving today!
- NCUA insured up to $250,000
- Save for short- and long-term goals
- Competitive interest rates
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
Primary Savings
All Members begin with a Primary Savings account with a minimum balance of $5. An ATM card is usually provided and can be used at all Partners ATMs and over 30,000 CO-OP ATM locations free of charge. Access your account 24/7 via Partners online and mobile banking. Use your account to save for a rainy day or as overdraft protection for your checking account. There are lots of ways to save!
Rates Effective May 5, 2021. Call 800.948.6677 for current rate information.
| Primary, Special Savings & Traditional Christmas Club Minimum to open: $5.00 Minimum to earn dividends: None |
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|---|---|---|
| Rate | APY* | |
| 0.05% | 0.05% | |
*APY = 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.
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
Partners Savings Planner
Use the Partners Savings Planner to set your goal, create your plan, and nickname your account with your savings goal. Save for something you need, like an emergency fund or annual taxes. Or perhaps it’s something you really want like a new car or fun family vacation. By creating scheduled transfers with our Partners Savings Planner, you’ll reach your goal before you know it.
Set up your savings account in three easy steps!
What are you saving for? Family vacation? New Car? A down payment for a house? Or just money to help put you at ease to be ready for the unexpected.
Add a nickname for your new savings planner like "Hawaii Trip" or "Emergency Fund." You can rename it at anytime.
Create a scheduled transfer per week or per month, and create alerts when transfers are made or when you reach your savings goal! 
Special Savings
Saving for something special? A Special Savings (share) is an additional savings account you can add to your Membership to save for anything you need. Each Special Savings can be labeled to your liking; “vacation”, “taxes”, “wedding.” You can open these Special Savings accounts conveniently when signed into your online banking or by contacting us. They can also be set up for auto transfers. Set it, forget it, and manage your accounts the way you want!
Rates Effective May 5, 2021. Call 800.948.6677 for current rate information.
| Primary, Special Savings & Traditional Christmas Club Minimum to open: $5.00 Minimum to earn dividends: None |
||
|---|---|---|
| Rate | APY* | |
| 0.05% | 0.05% | |
*APY = 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.
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
Traditional Christmas Club
End-of-year festivities always sneak up on us. To ensure you’re prepared for holiday expenses, take advantage of our Christmas Club account. Set up auto transfers of your desired amount at your selected frequency. On November 1st of each year, the balance will automatically transfer to your Checking or Savings account and can be used however you wish.
Rates Effective May 5, 2021. Call 800.948.6677 for current rate information.
| Primary, Special Savings & Traditional Christmas Club Minimum to open: $5.00 Minimum to earn dividends: None |
||
|---|---|---|
| Rate | APY* | |
| 0.05% | 0.05% | |
*APY = 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.
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
Individual Retirement Account (IRA)
Retirement is a relevant subject for anyone at any stage in life, so plan ahead with an IRA savings account today. Defer taxes with a Traditional IRA (pre-tax) or grow your savings tax-free with a Roth IRA (post-tax).
If you’re saving for school tuition, consider opening a Coverdell IRA. Designed specifically for education expenses, a Coverdell IRA offers tax benefits that allow a Member to deposit and withdraw from this account penalty free, as long as the funds are being used specifically for school-related expenses.
Yearly contributions are limited, and normal withdrawals for Traditional and Roth IRAs are for Members age 59 ½ or older. Contact Partners to see which account is best suited for you!
Rates Effective June 1, 2021. Call 800.948.6677 for current rate information.
IRA Savings
| Traditional IRA Minimum to open: $100 Minimum to earn dividends: $100 |
Roth IRA Minimum to open: $100 Minimum to earn dividends: $100 |
Coverdell ESA Savings Minimum to open: $100 Minimum to earn dividends: $100 |
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|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | 0.30% | |
IRA Certificates
| Traditional/Roth IRA Certificate Minimum to open: $1,000 Minimum to earn dividends: $1,000 |
Traditional/Roth IRA Mini-Jumbo Certificate Minimum to open: $50,000 Minimum to earn dividends: $50,000 |
Traditional/Roth IRA Jumbo Certificate Minimum to open: $100,000 Minimum to earn dividends: $100,000 |
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|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 3 month | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 month | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 12 month | 0.25% | 0.25% | 0.30% | 0.30% | 0.35% | 0.35% |
| 24 month | 0.30% | 0.30% | 0.35% | 0.35% | 0.40% | 0.40% |
| 36 month | 0.35% | 0.35% | 0.40% | 0.40% | 0.45% | 0.45% |
| 48 month | 0.40% | 0.40% | 0.45% | 0.45% | 0.50% | 0.50% |
| 60 month | 0.45% | 0.45% | 0.50% | 0.50% | 0.65% | 0.65% |
| Coverdell Certificate Minimum to open: $1,000 Minimum to earn dividends: $1,000 |
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|---|---|---|---|---|
| Rate | APY* | |||
| 3 month | 0.05% | 0.05% | ||
| 6 month | 0.05% | 0.05% | ||
| 12 month | 0.25% | 0.25% | ||
| 24 month | 0.30% | 0.30% | ||
| 36 month | 0.35% | 0.35% | ||
| 48 month | 0.40% | 0.40% | ||
| 60 month | 0.45% | 0.45% | ||
Additional Certificate Rate Add-Ons
| Standard | Bronze | Silver | Gold | Platinum | Platinum Elite | |
|---|---|---|---|---|---|---|
| Dividend Increase on Certificates 24 months or greater | -- | -- | -- | 0.05% | 0.10% | 0.15% |
| Senior Increase (55+) | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
*APY = 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.
ˆDividend increase applies to new or renewal certificates 24 months or greater. A Partners Checking Account is required to earn the additional certificate rate add-ons.
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
Certificate Account
Designed for both short- and long-term savings, a Partners Certificate has a higher interest rate than a Primary Savings account. Members can begin earning interest on their savings by selecting a Certificate term in which their money will be held while interest is earned. If you’re a Gold, Platinum, or Platinum Elite Relationship Rewards Member, you’ll automatically qualify for a higher Certificate interest rate.^
Start saving for future home projects, school tuition, and other goals today. Check out our rates below to select what best works for you!
Rates Effective June 1, 2021. Call 800.948.6677 for current rate information.
| Standard Certificate Minimum to open: $1,000 Minimum to earn dividends: $1,000 |
Mini-Jumbo Certificate Minimum to open: $50,000 Minimum to earn dividends: $50,000 |
Jumbo Certificate Minimum to open: $100,000 Minimum to earn dividends: $100,000 |
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|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 3 month | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 month | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 12 month | 0.25% | 0.25% | 0.30% | 0.30% | 0.35% | 0.35% |
| 24 month | 0.30% | 0.30% | 0.35% | 0.35% | 0.40% | 0.40% |
| 36 month | 0.35% | 0.35% | 0.40% | 0.40% | 0.45% | 0.45% |
| 48 month | 0.40% | 0.40% | 0.45% | 0.45% | 0.50% | 0.50% |
| 60 month | 0.45% | 0.45% | 0.50% | 0.50% | 0.65% | 0.65% |
| Standard College Saver Certificate Minimum to open: $500 Minimum to earn dividends: $500 |
Mini-Jumbo College Saver Certificate Minimum to open: $50,000 Minimum to earn dividends: $50,000 |
Jumbo College Saver Certificate Minimum to open: $100,000 Minimum to earn dividends: $100,000 |
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|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | |
| 24 month | 0.30% | 0.30% | 0.35% | 0.35% | 0.40% | 0.40% |
| 36 month | 0.35% | 0.35% | 0.40% | 0.40% | 0.45% | 0.45% |
| 48 month | 0.40% | 0.40% | 0.45% | 0.45% | 0.50% | 0.50% |
| 60 month | 0.45% | 0.45% | 0.50% | 0.50% | 0.65% | 0.65% |
| Starter Certificate Minimum to open: $500 Minimum to earn dividends: $500 |
||||||
|---|---|---|---|---|---|---|
| Rate | APY* | |||||
| 12 month | 0.25% | 0.25% | ||||
Additional Certificate Rate Add-Ons
| Standard | Bronze | Silver | Gold | Platinum | Platinum Elite | |
|---|---|---|---|---|---|---|
| Dividend Increase on Certificates 24 months or greaterˆ | -- | -- | -- | 0.05% | 0.10% | 0.15% |
| Senior Increase (55+) | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
*APY = 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.
ˆDividend increase applies to new or renewal certificates 24 months or greater. A Partners Checking Account is required to earn the additional certificate rate add-ons.
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
Money Market
A Partners Money Market account works similarly to a Primary Savings account. It requires a higher minimum balance, but it also earns a higher interest rate for a better return on your funds. Dividends earned on a Money Market will fluctuate based on the balance throughout each month. Withdrawal limits may apply and a minimum of $2,500 must be maintained in the Money Market account in order to earn dividends. Click on the rates below for more information.
Rates Effective August 1, 2022. Call 800.948.6677 for current rate information.
| Money Market Minimum to open: $2,500 Minimum to earn dividends: $2,500 |
Money Market Checking Minimum to open: $2,500 Minimum to earn dividends: $2,500 |
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|---|---|---|---|---|
| Rate | APY* | Rate | APY* | |
| $2,500 | 0.65% | 0.65% | 0.10% | 0.10% |
| $25,000 | 0.70% | 0.70% | ||
| $50,000 | 0.80% | 0.80% | ||
| $100,000 | 1.10% | 1.11% | ||
| $250,000 | 1.20% | 1.21% | ||
*APY = 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.
Apply online or schedule an in-branch or virtual appointment today.
Apply Online Schedule Appointment
