Savings & Certificates

RelationshipRewards2

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
Have any questions or ready to apply for an account? Contact us below.

Open Online    In-Branch Appointment    Virtual Assistance    Chat Live

Options to help your savings grow.

 

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
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.

Have any questions or ready to open an account? Contact us below.
Open Online    IN-BRANCH APPOINTMENT    Virtual Assistance    Chat Live

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.

Have any questions or ready to open an account? Contact us below.
Open Online    IN-BRANCH APPOINTMENT    Virtual Assistance    Chat Live

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.

Have any questions or ready to apply for an account? Contact us below.
Open Online    IN-BRANCH APPOINTMENT    Virtual Assistance    Chat Live

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
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
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
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.

 

Have any questions or ready to apply for an account? Contact us below.

Open Online    In-Branch Appointment    Virtual Assistance    Chat Live

Certificates of Deposit (CD)

Designed for both short- and long-term savings, a Partners CD has a higher interest rate than a Primary Savings account. Members can begin earning interest on their savings by selecting a CD 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 CD 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
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
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.

 

Have any questions or ready to apply for an account? Contact us below.
Open Online    In-Branch Appointment    Virtual Assistance    Chat Live

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 April 1, 2021. 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
Rate APY* Rate APY*
$2,500 0.15% 0.15% 0.10% 0.10%
$25,000 0.20% 0.20%
$50,000 0.25% 0.25%
$100,000 0.30% 0.30%
$250,000 0.35% 0.35%

*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.

 

Have any questions or ready to apply for an account? Contact us below.

Open Online    In-Branch Appointment    Virtual Assistance    Chat Live