Certificates

Certificates

Rates Effective December 10, 2018. 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 0.45% 0.45% 0.50% 0.51% 0.55% 0.55%
6 month 0.84% 0.85% 0.90% 0.90% 0.95% 0.96%
12 month 1.53% 1.55% 1.78% 1.80% 2.02% 2.05%
24 month 1.63% 1.65% 1.88% 1.90% 2.12% 2.15%
36 month 1.73% 1.75% 1.97% 2.00% 2.22% 2.25%
48 month 1.78% 1.80% 2.07% 2.10% 2.32% 2.35%
60 month 1.98% 2.00% 2.17% 2.20% 2.42% 2.45%
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 1.39% 1.40% 1.44% 1.45% 1.49% 1.50%
36 month 1.49% 1.50% 1.54% 1.55% 1.59% 1.60%
48 month 1.78% 1.80% 1.83% 1.85% 1.88% 1.90%
60 month 1.98% 2.00% 2.03% 2.05% 2.08% 2.10%
Starter Certificate
Minimum to open: $500
Minimum to earn dividends: $500
Rate APY*
12 month 1.24% 1.25%

Additional Certificate Rate Add-Ons

Standard Bronze Silver Gold Platinum Platinum Elite
Dividend Increase on Certificate less than 24 monthsˆ 0.05% 0.10% 0.20% 0.30% 0.40%
Dividend Increase on Certificates 24 months or greaterˆ 0.05% 0.15% 0.25% 0.40% 0.50%
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.
**APY = Annual Percentage Yield. Minimum opening balance of $1,000. The term is for 24 months. New money required to earn .75% APY bonus. There is one (1) permissible penalty-free withdrawal once the term reaches the 12 month (day 366) of the term, however the minimum balance amount of $1,000 must remain in order to earn the stated dividend rate. The stated Annual Percentage Yield assumes that dividends will remain on deposit until maturity. A penalty may be imposed for early withdrawal (before day 366) and/or additional withdrawals made after the one-time permissible penalty-free withdrawal. If you make a withdrawal from your account, your earnings will be reduced. The 12/24 flex certificate is a promotional offering. No Relationship Reward rate bumps are permitted. No Senior rate bumps are permitted. The certificate will be automatically renewed into a 24-month term certificate at the dividend rate in effect at the time of maturity. Fees may reduce actual earnings. Rates and terms quoted as December 10, 2018 and subject to change without notice. Other terms and condition may apply.
ˆDividend increase applies to new or renewal certificates less than 24 months/24 months or greater. A Partners Checking Account is required to earn the additional certificate rate add-ons.