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Compare Credit Card and Loan Rates


Rates current as of: 11/28/2022

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
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%
APR for Balance Transfers
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%
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).”

Effective Date: The information about the costs of the card described in this application is accurate as of 12/01/2022. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

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)
3.74%2
4.24%2
4.74%2
5.49%2
36 Months
60 Months
75 Months
84 Months
$29.41
$18.53
$15.44
$14.37
Used Vehicle
Models between 2015 - 2022 (between 10,001 and 100,000 miles)
4.24%2
4.49%2
4.99%2
5.74%2
36 Months
60 Months
75 Months
84 Months3
$29.64
$18.64
$15.55
$14.49
New/Used Recreational Vehicles 6.99% 180 Months $8.99
New/Used Motorcycles 6.99% 60 Months $19.80
New/Used Boats 6.99% 60 Months $19.80

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)
6.49%2
7.74%2
36 Months
60 Months
$30.65
$20.16
Line of Credit 11.24% 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%
6.50%
6.75%
$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%
7.91%
8.41%
8.66%
5
15
20
$20.24
$9.80
$8.79
Less than 80%
7.66%
8.16%
8.41%
5
15
20
$20.12
$9.66
$8.63

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.