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Supportive Resources

Here for what's next.

Wherever your journey takes you next, we want to remind you that Partners is here for you. Because once you become a Partners Member, you’re always part of our family. Whether you get married, move across the country, change careers, or retire, your Partners Membership moves with you providing comfort and continued access to your Partners benefits.

Personal 1-on-1 Financial Counseling

We know juggling finances along with everything else life throws at you can be challenging, but we're here to help. Partners Members can access free one-on-one financial coaching to help review your budget or manage your debt.


Hardship Assistance

Life happens and we understand your financial circumstances may change and affect your ability to manage your debt. We'll work with you to understand the issues you are experiencing and explore what assistance we can provide. If you’re experiencing financial hardship like unemployment, trouble paying bills, or just need help paying your loan this month, our hardship program may be able to help.


Emergency Savings Fund

At Partners, we understand that unexpected expenses happen, and want to ensure you’re prepared. Use our Partners Savings Planner tool to set your goal, create your plan, and start setting aside funds for your next rainy day. Available in Online Banking for Partners Members in three easy steps.
 
 Emergency Line of Credit
As a Partners Member, you can apply for a line of credit to be prepared with access to immediate cash in moments of need. We understand that unexpected expenses happen, and we offer our members a better way to borrow funds in case of emergencies.

  • $500 unsecured line of credit
  • 60-day 0% Intro Rate1
  • Must be a Partners Member to apply2
To open an Emergency Line of Credit, call us at 800.948.6677, visit a branch, or schedule an appointment with a Partners Representative today.


 3- Month Emergency Fund Certificate
When life happens, be ready! Save for a rainy day with a 3-Month Emergency Fund Certificate3 account. 

  • Open with as little as $100
  • Enjoy one penalty-free withdrawal
  • Deposit until you reach $2,500

Overdraft Protection

Life can move very fast and losing track of your balance or being hit with an unexpected cost simply happens. Protect your account from being overdrawn or a transaction or check from being rejected or declined with overdraft protection. This protection initiates a transfer from a designated account to your checking account to cover transactions when you don’t have sufficient funds. You can select your savings account to protect your checking or apply for a line of credit and have access to emergency funds at any time while also building credit.  

Contact us to set up an overdraft from your savings account.4


Partners Loan Protection

Over 20,000 Members have taken advantage of Partners Loan Protection (PLP). Depending on the protection package that a Member selects, PLP cancels or defers an eligible loan balance up to the agreement maximum. This protection helps preserve a family's standard of living and offers relief from financial burdens for unexpected life events such as involuntary unemployment, loss of life, or a disabling illness or injury. 

Eligible Loans
  • Consumer Loans
  • Visa® Credit Cards
For more information on benefit packages, or to add or remove PLP at any time, contact us at 800.948.6677, visit a branch, or schedule an appointment(Opens in a new Window).
 

Member Assistance Program

We understand the challenges faced during a natural disaster, and we are ready to help. For the benefit of our Members and The Walt Disney Company’s cast members, employees, and Imagineers, Partners has enacted our Member Assistance Program (MAP) to help Members secure funds or payment relief quickly after being impacted by a natural disaster.

Partners Members who need to avail themselves of this resource to render aid to their family and friends in locations affected by natural disasters will have access to the following benefits:
  • Assistance with fees
  • Payment deferment up to 90 days on existing loans5
  • Free money orders and cashier’s check up to 90 days5
  • Personal Loans available6
 










1APR=Annual Percentage Rate. The 0% Introductory Rate is available for a period of 60 days, up to the limit on the Line of Credit. Interest will be charged at Standard APR to any outstanding balance on the 61st day after first draw if the balance is not paid in full at the expiration of the intro period. See Loan Agreement for details. Rates are subject to change. Some restrictions apply. Requires employment verification and is subject to other underwriting factors.

2A one-time $5 Membership fee may apply. For eligibility details, click here.
 
3APY=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.
 

4$1 Overdraft fee from Savings per occurrence.

5Some limitations may apply.

6APR = Annual Percentage Rate. Loans and APR are subject to borrower qualification and creditworthiness. Some restrictions may apply. Rates are subject to change.
 

Payday Lending Alternatives

Although a payday loan can be a quick-fix solution in a financial crisis they are considered high-risk and predatory lending. As a Partners Member, you have more affordable options when you need to borrow. Watch our video to learn how.