Rates current as of:
Visa® Credit Card Rates & Conditions
| Interest Rates and Interest Charges | Visa Platinum | Visa Platinum Rewards | Visa Signature | Visa Share Secured |
|---|---|---|---|---|
| APR = Annual Percentage Rate for Purchases |
0% Introductory APR for 12 months from Account opening. After that, your APR will be 7.99% to 17.99%
based on your individual qualifications and creditworthiness
|
0% Introductory APR for 12 months from Account opening. After that, your APR will be 9.49% to 17.99%
based on your individual qualifications and creditworthiness
|
17.99%
this APR will vary with the market based on the Prime Rate
|
13.90%
|
| APR for Balance Transfers |
2.99% Introductory APR for 12 months from Account opening. After that, your APR will be 7.99% to 17.99%
based on your individual qualifications and creditworthiness
|
2.99% Introductory APR for 12 months from Account opening. After that, your APR will be 9.49% to 17.99%
based on your individual qualifications and creditworthiness
|
17.99%
this APR will vary with the market based on the Prime Rate
|
13.90% |
| APR for Cash Advances |
7.99% to 17.99%
based on your creditworthiness
|
9.49% to 17.99%
based on your creditworthiness
|
17.99%
this APR will vary with the market based on the Prime Rate
|
13.90% |
| Penalty APR and when it applies | N/A | N/A | N/A | N/A |
| How to avoid interest on purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | None | None | None | None |
For Credit Card Tips from the Federal Reserve Board – To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore.
| Fees | Visa Platinum | Visa Platinum Rewards | Visa Signature | Visa Share Secured |
|---|---|---|---|---|
|
Balance Transfer
|
None
|
None
|
None
|
None
|
|
Cash Advance
|
None
|
None
|
None
|
None
|
|
Foreign Transaction
|
1% of U.S. Dollar Amount
|
1% of U.S. Dollar Amount | 1% of U.S. Dollar Amount | 1% of U.S. Dollar Amount |
| Late Payment (if you are 10 or more days late in making a payment) |
$25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
|
$25 or 2.5% of outstanding balance, whichever is less ($10 minimum) | $25 or 2.5% of outstanding balance, whichever is less ($10 minimum) | $25 or 2.5% of outstanding balance, whichever is less ($10 minimum) |
|
Over-the-Credit Limit
|
None
|
None | None | None |
|
Returned Payment or Convenience Check
|
$23 or the amount of the returned convenience check, whichever is less
|
$23 or the amount of the returned convenience check, whichever is less | $23 or the amount of the returned convenience check, whichever is less | $23 or the amount of the returned convenience check, whichever is less |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your Account during the first 12 months following the opening of your Account. Any existing balances on Partners Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. Any remaining balance at the end of the 12 month intro period will convert to the APR established at account opening.
Effective Date: The information about the costs of the card described in this application is accurate as of April 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-Introductory APR if you are 60 days late in making a payment.
Other Fees & Disclosures:
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee: $23.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee: $23.00 or the amount of the returned convenience check, whichever is less
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.
Returned Payment Fee: $23.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee: $23.00 or the amount of the returned convenience check, whichever is less
Auto Loans & Specialty Vehicles
| Loan Type |
Annual Percentage Rate (APR1)
As Low As
|
Term (Up To) |
Estimated Monthly Payment
per $1,000
|
|---|---|---|---|
|
New Vehicle
Models 2022 or newer (under 10,000 miles)
|
4.99%2
5.49%2
5.99%2
6.74%2
|
36 Months
60 Months
75 Months
84 Months
|
$29.97
$19.10
$16.02
$14.97
|
|
Used Vehicle
Models between 2016 - 2022 (between 10,001 and 100,000 miles)
|
5.49%2
5.74%2
6.24%2
6.99%2
|
36 Months
60 Months
75 Months
84 Months3
|
$30.20
$19.22
$16.14
$15.10
|
| New/Used Recreational Vehicles | 7.99% | 180 Months | $9.56 |
| New/Used Motorcycles | 7.99% | 60 Months | $20.28 |
| New/Used Boats | 7.99% | 60 Months | $20.28 |
1APR = Annual Percentage Rate. Your APR will be based on your individual qualifications and creditworthiness. Some restrictions may apply. Rates are subject to change.
2Rates listed are Partners' best fixed rates on approved credit and include a 0.25% rate discount for payments made by automatic transfer from your Partners Checking account. Actual interest rate offered may be higher depending on the applicant’s credit rating and other underwriting factors.
3Used vehicle must be 3 years or newer with no more than 30,000 miles to do an 84-month term.
Personal Loans
| Loan Type |
Annual Percentage Rate (APR1)
As Low As
|
Term (Up To) |
Estimated Monthly Payment
per $1,000
|
|---|---|---|---|
|
Personal Loans
(Repayment period based on loan amount)
|
7.99%2
9.24%2
|
36 Months
60 Months
|
$31.34
$20.89
|
| Line of Credit | 11.74% | N/A | N/A |
1APR = Annual Percentage Rate. Your APR will be based on your individual qualifications and creditworthiness. Some restrictions may apply. Rates are subject to change.
2Rates listed are Partners' best fixed rates on approved credit and include a 0.25% rate discount for payments made by automatic transfer from your Partners Checking account. Actual interest rate offered may be higher depending on the applicant’s credit rating and other underwriting factors.
Home Equity Line of Credit
| Loan to Value | Annual Percentage Rate (APR1) Variable |
Estimated Fees
Loans Under $200,000
|
Estimated Fees
Loans Over $200,000
|
|---|---|---|---|
|
80%
90%
|
7.75%
8.00%
|
$0 - $2,325 | $2,162 - $6,100 |
1APR = Annual Percentage Rate. The variable APR is based on Prime plus a margin, and will vary with Prime. Making only the minimum payment on your HELOC may result in a balloon payment due at the end of the term. Your APR will not exceed 18.00% or go below 4.00% at any time during the term of your account. Additional fees may apply. Credit and collateral are subject to approval and terms and conditions apply. See Loan Agreement for details. Homeowner’s property insurance is required. Flood insurance may be required. Non-owner occupied properties are not eligible. Programs, rates, terms and conditions are subject to change without notice.
Home Equity Loans
| Loan to Value | Annual Percentage Rate (APR1) Fixed | Years |
Estimated Monthly Payment
per $1,000
|
|---|---|---|---|
| 81 - 90% |
8.32%
8.68%
9.10%
|
5
15
20
|
$20.44
$9.96
$9.07
|
| Less than 80% |
8.07%
8.43%
8.85%
|
5
15
20
|
$20.32
$9.82
$8.91
|
1APR = Annual Percentage Rate. Your APR will be based on your individual qualifications and creditworthiness. Some restrictions may apply. Homeowner's property insurance is required. Flood insurance may be required. Non-owner occupied properties are not eligible.