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Partners Rates

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Savings & Checking Rates

Savings and Checking accounts.
Rates Effective April 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
IRA Savings
Minimum to open: $100
Minimum to earn dividends: $100
Premier Checking
Minimum to open: $2,500
Minimum to earn dividends: $2,500
Rate APY* Rate APY* Rate APY*
0.05% 0.05% 0.30% 0.30% 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. 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.

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Learn more about Certificate accounts.
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.

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Learn more about Money Market accounts.
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.

If you have any questions, please select one of the following options and schedule an appointment.

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Learn more about IRA accounts.
Rates Effective April 1, 2021. Call 800.948.6677 for current rate information.

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.

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.

 

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%

*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.

If you have any questions, please select one of the following options and schedule an appointment

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Visa® Credit Card Rates and Conditions


Partners Visa® Credit Cards:
Rates effective May 1, 2022. Call 800.948.6677 for current rate information.
Limited-Time Offer: Visa Intro APR* on Platinum and Platinum Rewards credit cards for 12 months.   

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 creditworthiness.
0% Introductory APR for 12 months from Account opening. After that, your APR will be 9.49% to 17.99%
based on your creditworthiness.
14.99%
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 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 creditworthiness. 14.99%
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. 14.99%
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 Cards 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 www.consumerfinance.gov/learnmore.

Fees

Annual Fee None None None None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23

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.

Effective Date: The information about the costs of the card described in this application is accurate as of April 1, 2022. 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.

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Consumer Loan Rates

Rates effective May 2, 2022. Call 800.948.6677 for current rate information.

LOAN TYPE Annual Percentage Rate (APR*)
As Low As
Term (Up To) Estimated Monthly Payment
per $1,000
  • NEW VEHICLE
    Models 2022 or newer
    (Under 10,000 miles)
  • 1.74%**
  • 2.24%**
  • 2.49%**
  • 3.49%**
  • 36 Months
  • 60 Months
  • 75 Months
  • 84 Months
  • $28.54
  • $17.64
  • $14.42
  • $13.44
  • USED VEHICLE
    Models between 2015-2022
    (Between 10,001 and 100,000 miles)
  • 2.24%**
  • 2.49%**
  • 2.74%**
  • 3.99%**
  • 36 Months
  • 60 Months
  • 75 Months
  • 84 Months1
  • $28.75
  • $17.75
  • $14.53
  • $13.67
  • NEW/USED RECREATIONAL VEHICLES
    Model Year
  • 6.99%
  • 180 Months
  • $8.99
  • NEW/USED MOTORCYCLES
  • 6.99%
  • 60 Months
  • $19.80
  • NEW/USED BOATS
  • 6.99%
  • 60 Months
  • $19.80

1 Used vehicle must be 3 years or newer with no more than 30,000 miles to do an 84-month term.

*APR = Annual Percentage Rate. Your APR will be based on your individual qualifications and creditworthiness. Some restrictions may apply. Rates are subject to change.

**Rates 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.

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Learn more about Home Equity Loans.

Rates effective May 23, 2022. Call 800.948.6677 for current rate information.

LOAN TYPE LOAN TO VALUE ANNUAL PERCENTAGE RATE (APR*) FIXED YEARS Estimated Monthly Payment
per $1,000
  • HOME EQUITY LOAN
  • 81 - 90%
  • 6.41%
  • 7.06%
  • 7.31%
  • 5
  • 15
  • 20
  • $19.53
  • $9.03
  • $7.95
  • Less than 80%
  • 6.16%
  • 6.81%
  • 7.06%
  • 5
  • 15
  • 20
  • $19.41
  • $8.89
  • $7.80

* 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.

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Learn more about Home Equity Line of Credit (HELOC).

Rates effective March 21, 2022. Call 800.948.6677 for current rate information.

LOAN TYPE LOAN TO VALUE ANNUAL PERCENTAGE RATE (APR*) VARIABLE ESTIMATED FEES
  • HOME EQUITY
    LINE OF CREDIT (HELOC)
  • 80%
  • 90%
  • 4.00%
  • 4.00%
Loans under $200,000
$0 - $2,325
Loans over $200,000
$2,162 - $6,100

*APR = Annual Percentage Rate. The variable APR is based on Prime plus a margin, and will vary with Prime. Sample current APR 4.00% as of March 16, 2022. 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. A one-time $5 Membership fee may apply for new Members. 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.

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Learn more about Personal Loans.

Rates effective January 3, 2022. Call 800.948.6677 for current rate information.

LOAN TYPE Annual Percentage Rate (APR*)
As Low As
Term (Up To) Estimated Monthly Payment
per $1,000
  • PERSONAL LOANS
    (Repayment Period Based on Loan Amount)
  • 5.99%
  • 7.24%
  • 36 Months**
  • 60 Months**
  • $30.42
  • $19.92
  • LINE OF CREDIT
  • 10.99%
  • N/A
  • N/A

*APR = Annual Percentage Rate. Your APR will be based on your individual qualifications and creditworthiness. Some restrictions may apply. Rates are subject to change.

**Rates 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 applicant’s credit rating and other underwriting factors.

If you have any questions, please select one of the following options and schedule an appointment

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