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
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 |
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| 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.
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 |
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| 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 |
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| 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 |
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| 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.
Learn more about Money Market accounts.
Rates Effective August 1, 2022. 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 |
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| Rate | APY* | Rate | APY* | |
| $2,500 | 0.65% | 0.65% | 0.10% | 0.10% |
| $25,000 | 0.70% | 0.70% | ||
| $50,000 | 0.80% | 0.80% | ||
| $100,000 | 1.10% | 1.11% | ||
| $250,000 | 1.20% | 1.21% | ||
*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.
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 |
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| 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 |
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| 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 |
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| 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
Partners Visa® Credit Cards: Rates effective July 1, 2022. Call 800.948.6677 for current rate information.
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. |
15.49% 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. | 15.49% 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. | 15.49% 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 |
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Transaction Fees
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Penalty Fees
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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 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.
APPLY TODAY!
Rates effective August 8, 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 |
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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.
Apply online or schedule an appointment to learn more.
Learn more about Home Equity Loans.
Rates effective August 8, 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 |
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* 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
Learn more about Home Equity Line of Credit (HELOC).
Rates effective July 27, 2022. Call 800.948.6677 for current rate information.
| LOAN TYPE | LOAN TO VALUE | ANNUAL PERCENTAGE RATE (APR*) VARIABLE | ESTIMATED FEES | |
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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 5.50% as of July 27, 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.
If you have any questions, please select one of the following options and schedule an appointment
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 |
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*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
Home Mortgage Rates
Click here for Home Loan Rates.
