Master Rates Page

Partners Rates

All in one place and easy to find. Click on any product below to view our rates.

Savings & Checking Rates


  • Learn more about 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.

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

    Apply Online Branch Assistance Virtual Assistance Chat Live

     


  • 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.

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

    Apply Online Branch Assistance Virtual Assistance Chat Live

     


  • 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.

    Apply Online Branch Assistance Virtual Assistance Chat Live

     


  • 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

    Apply Online Branch Assistance Virtual Assistance Chat Live

 

Credit Card Rates and Conditions


  • Learn more about Partners Visa® Credit Cards.
    Rates Effective October 1, 2021. Call 800.948.6677 for current rate information.

    Interest Rates and Interest Charges

    VISA Platinum VISA Platinum Rewards VISA Signature VISA Share Secured
    Annual Percentage Rate for Purchases 7.99% to 17.99%
    based on your creditworthiness.    		 9.49% to 17.99%
    based on your creditworthiness.    		 14.74%
    this APR will vary with the market based on the Prime Rate.    		 13.90%
    APR for Balance Transfers 7.99% to 17.99%
    when you open your account, based on your creditworthiness.    		 9.49% to 17.99%
    when you open your account, based on your creditworthiness.    		 14.74%
    this APR will vary with the market based on the Prime Rate.    		 13.90%
    APR for Cash Advances 7.99% to 17.99%
    when you open your account, based on your creditworthiness.    		 9.49% to 17.99%
    when you open your account, based on your creditworthiness.    		 14.74%
    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
    If you have any questions, please select one of the following options and schedule an appointment.

    Apply Online Branch Assistance Virtual Assistance Chat Live

 

Consumer Loan Rates


  • Learn more about Auto Loans.

    Rates effective June 14, 2021. 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
      (Under 10,000 miles)
    • 1.49%**
    • 1.99%**
    • 2.24%**
    • 3.24%**
    • 36 Months
    • 60 Months
    • 75 Months
    • 84 Months
    • $28.43
    • $17.53
    • $14.31
    • $13.33
    • USED VEHICLE
      Models between 2014-2021
      (Between 10,001 and 100,000 miles)
    • 1.99%**
    • 2.24%**
    • 2.49%**
    • 3.74%**
    • 36 Months
    • 60 Months
    • 75 Months
    • 84 Months1
    • $28.64
    • $17.64
    • $14.42
    • $13.56
    • 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 applicant’s credit rating and other underwriting factors.

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

    Apply Online Branch Assistance Virtual Assistance Chat Live

     


  • Learn more about Home Equity Loans.

    Rates effective November 29, 2021. 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%
    • 4.84%
    • 5.02%
    • 5.27%
    • 5
    • 15
    • 20
    • $18.80
    • $7.92
    • $6.76
    • Less than 80%
    • 4.59%
    • 4.77%
    • 5.02%
    • 5
    • 15
    • 20
    • $18.69
    • $7.79
    • $6.62

    *** 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.

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

    Apply Online Branch Assistance Virtual Assistance Chat Live

     


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

    Rates effective June 14, 2021. 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 August 1, 2021. 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.

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

    Apply Online Branch Assistance Virtual Assistance Chat Live

     


  • Learn more about Personal Loans.

    Rates effective June 21, 2021. 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

    Apply Online Branch Assistance Virtual Assistance Chat Live

Equal Housing Lender

Equal Housing Lender