Relationship Rewards

Your Membership, Rewarded.

When you bank at Partners, the rewards grow with you. Our Relationship Rewards program is designed for households who bank, save, and plan together – unlocking higher earnings, better rates, and added perks. The more you connect your accounts and deepen your relationship, the more you can earn and save.
 
 
car on background
 
Auto Loan Rate Discount
Get up to 0.50% APR4 off your Partners auto loan customized with affordable payments and terms.

small house on background
 
Mortgage Lender Credit
Up to $1,000 mortgage lender credit5 when you purchase or refinance your dream home with Partners.

Partners Visa platinum rewards credit card and Partners Visa pixie debit card
 
Credit Card Rewards
Earn higher cash back6 and rewards7 on our Legacy Visa Signature® and Visa® Platinum Rewards credit cards.





































 
 
  Standard Preferred Premium Elite Private Banking
Combined Household Balances* $0 - $5,000 >$5,000 - $100,000 >$100,000 - $250,000 >$250,000 See Criteria1
Fee Reimbursement2 None $10 $15 $20 $25
One-Time Annual Fee Reimbursement (Courtesy Pay or Non-Sufficient Funds fee) None Yes Yes Yes Yes
High-Yield Savings3 None 1.00% APY3 1.50%
APY3
3.10% APY3
 3.20% APY3
Auto Loan Rate Discount None 0.25% APR4 0.50%
APR4		 0.50% APR4 0.50% APR4
Mortgage Lender Credit5 None $250 $500 $750 $1,000
Legacy Visa Signature® Credit Card 1% Cash Back6 1% Cash Back6 1% Cash Back6 2% Cash Back6 3% Cash Back6
Visa® Platinum Rewards Credit Card 1x Rewards Points7
Partners and Co-op Network ATM Transactions Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Non-Partners/ Non-Network ATM Transactions8 None
Unlimited
Unlimited
Unlimited
Unlimited

Partners Members in good standing are eligible for Relationship Rewards benefits. Program and benefits are subject to change at any time.

*Household balance includes deposit balances, outstanding loan balances (based on the actual balance owed as of month end), and Partners Retirement and Wealth Management (PRWM) accounts for Members sharing the same physical address on file. Relationship Rewards tier eligibility is based on the total eligible month-end household balance and is updated monthly (PRWM balances are calculated within three days of month end).

1 Private Banking eligibility requires $500,000 combined deposits and outstanding loan balances (excluding PRWM) with a minimum of $100,000 in deposits, or $250,000 in deposits (excluding PRWM), or select invitation groups. See partnersfcu.org/private-banking for eligibility details.

2 Members may receive up to the fee reimbursement each month. Unused reimbursement does not carry over. Loan product fees, overdraft service fees, fees charged by other financial institutions, and other fees may be excluded. See partnersfcu.org/disclosures for eligible fees.

3 High Yield Savings – Member must open the account with a minimum deposit of $10,000 and maintain a balance of $10,000 to earn dividends. APY (Annual Percentage Yield) as of 9/1/26 is based on the Member's Relationship Rewards tier, which is determined by qualifying combined household balances and criteria. Rates are subject to change at any time and may change after the account is opened. Fees and other conditions may reduce earnings. Withdrawal limits may apply. Other terms and conditions apply. Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.

4 APR = Annual Percentage Rate. A Partners Auto Loan is subject to credit approval. The Auto Loan Rate Discount is determined by the Member's Relationship Rewards tier at the time of loan closing. See Partners Representative for details.

5 A Partners Mortgage is subject to credit approval. Mortgage Lender Credit is available on home loans only. Home equity loans and home equity lines of credit are not eligible. Members may receive a Lender Credit for every qualifying home loan. The amount of the Lender Credit is determined by the Member's Relationship Rewards tier at the time of loan closing.

6 Subject to credit approval. Cash back earnings are limited to a maximum of $3,000 annually. Cash advances, balance transfers, fees and interest charges, and convenience checks do not qualify as purchases or earn cash back. Cash back is calculated on net purchases (less credits, returns and adjustments). Cash back earned on purchases will be applied as a statement credit or via ACH to a Partners checking or savings account via My Card Info or by calling the Rewards service number, in accordance with your credit card agreement and disclosure. See credit card Terms and Conditions for full program details. Card must be open and in good standing to redeem cash back. For details, visit partnersfcu.org/legacycreditcard.

7 Subject to credit approval. Eligible purchases are purchases minus any credits posted to the account for returns during the billing cycle. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. Preferred, Premium, Elite, and Private Banking tiers earn 3x rewards points on gas, groceries, and streaming purchases. Premium, Elite, and Private Banking tiers earn 4x rewards points on travel purchases. Elite and Private Banking tiers earn 5x rewards points on dining purchases. Purchases outside these categories earn the standard 1x rewards points.

8 Charges may be applied by other financial institutions or ATM owner.

 


Frequently Asked Questions

Your Relationship Rewards tier is based on your total eligible household balance with Partners. This includes eligible deposit balances, outstanding loan balances (based on the actual balance owed as of month end), and Partners Retirement and Wealth Management (PRWM) accounts for Members sharing the same physical address on file. Your tier is updated monthly. 
No. A Partners checking account is not required to participate in Relationship Rewards. Your level is based on your eligible combined household balances with Partners. 
As your eligible household balance changes, your Relationship Rewards tier may change too. You may be eligible for a grace period to ensure you maintain your Relationship Rewards tier. Your tier is reviewed monthly, so growing your relationship with Partners may help you reach the next tier and access additional benefits. 
Log in to digital banking to see your current Relationship Rewards tier, the benefits available to you, and what you need to reach the next tier. 
Eligible Members can open a High-Yield Savings account and earn a competitive rate based on their Relationship Rewards tier. A minimum deposit of $10,000 is required to open the account and a $10,000 balance must be maintained to earn dividends3. Rates and eligibility vary by relationship tier. 
Eligible Members can receive an auto loan rate discount based on their Relationship Rewards tier at the time of loan closing4. Auto loans are subject to credit approval. 
Eligible Members purchasing or refinancing a home with a Partners mortgage may receive a lender credit based on their Relationship Rewards tier at the time of closing5. Lender credits are available on qualifying home purchase loans and do not apply to home equity loans or home equity lines of credit. 

Yes, the updated program is structured to recognize broader Member relationships and extend meaningful benefits to more Members. Preferred tier and above receive unlimited Non-Partners/Non-Network ATM transactions and ATM surcharge fees are eligible for fee reimbursements. Standard tier does not receive fee reimbursements. 

For a list of eligible fees, visit partnersfcu.org/disclosures.



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Share the Gift of Membership!

Want to share the magic with fellow cast members or employees, your family, and your household? They can also enjoy exclusive benefits and world-class service.