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Rates

Savings Rates

Effective as of June 1, 2019.  Rates subject to change without notice. Dividend rates are variable and subject to change after the account is opened.

Product Minimum Balance Dividend Rate APY
Regular Share Savings $5,000.00 & above 0.10% 0.10%
Regular Share Savings $5.00 - $4,999.99 0.10% 0.10%
Secondary Regular Share Savings $5,000.00 & above 0.10% 0.10%
Secondary Regular Share Savings $5.00 - $4,999.99 0.10% 0.10%
Just 4 Kids $5.00 & above 0.25% 0.25%
Holiday Club $0.01 & above 0.10% 0.10%
Money Market Savings Account & IRA Regular Share     $50,000 & above 0.60% 0.60%
Money Market Savings Account & IRA Regular Share $20,000 - $49,999.99 0.35% 0.35%
Money Market Savings Account & IRA Regular Share  $5,000.00 - $19,999.99 0.25% 0.25%
Money Market Savings Account & IRA Regular Share  $5.00 - $4,999.99 0.14% 0.14%

APY = Annual Percentage Yield.

Fees may reduce earnings.


Checking Rates

Effective as of June 1, 2019.  Rates subject to change without notice. Dividend rates are variable and subject to change after the account is opened.

Product Minimum Balance Dividend Rate APY
Basic Checking N/A 0.00% 0.00%
The "ONE" Checking $2,000.00 & above 0.10% 0.10%
The "ONE" Checking  $25.00 - $1,999.99 0.10% 0.10%

APY = Annual Percentage Yield.


Share and IRA Certificate Dividend Rates

Effective as of June 1, 2019. Rates subject to change without notice.

All certificates available as Share, IRA, and Roth IRA. Fees may reduce earnings.

VIP Members earn higher dividend rates on Share Certificates! Learn More.

Product Term Minimum Balance Dividend Rate APY Elite VIP Member Dividend Rate Premier Elite VIP Member Dividend Rate
Share and IRA Certificates 6 Months $500.00 0.50% 0.50% 0.75% 1.00%
Share and IRA Certificates  12 Months $500.00 1.20% 1.20% 1.45% 1.70%
Share and IRA Certificates  24 Months $500.00 1.35% 1.36% 1.60% 1.85%
Share and IRA Certificates  60 Months $500.00 1.80% 1.81% 2.05% 2.30%
Savings Builder Certificate 6 Months $100.00 0.50% 0.50% 0.75% 1.00%

APY = Annual Percentage Yield. The APY is based on the assumption that funds and dividends will remain in the account until maturity.

Please Note: A penalty is imposed for early withdrawals on any Share Certificate Accounts before maturity. For Share Certificates with terms of 12 months or less there is a penalty of 90 days of dividends. Terms of more than 12 months incur a penalty of 180 days of dividends. The penalty may reduce the principal.


Lending Rates

Effective as of June 1, 2019. Rates subject to change without notice.

Product APR* Amount Financed Max Term Rate Structure Approximate Loan Payment
Based on $20,000 Loan

New Vehicles

(100% Financing Available—60 days of no payments!)    

As low as 2.74% $2,500 - $100,000 36 Months Fixed $579.34

New Vehicles

(100% Financing Available—60 days of no payments!)

As low as 3.24% $2,500 - $100,000 60 Months Fixed $361.51

New Vehicles

(100% Financing Available—60 days of no payments!)

As low as 3.90% $15,000  - $100,000 72 Months Fixed $311.99

New Vehicles

(100% Financing Available—60 days of no payments!)

As low as 4.74% $25,000 - $100,000 84 Months Fixed $280.24

Used Vehicles+

(100% Financing Available—60 days of no payments!)

As low as 2.74% $2,500 - $100,000 36 Months Fixed $579.34

Used Vehicles+

(100% Financing Available—60 days of no payments!)

As low as 3.74% $2,500 - $100,000 60 Months Fixed $365.99

Used Vehicles+

(100% Financing Available—60 days of no payments!)

As low as 4.70% $15,000 - $100,000 72 Months Fixed $319.32

Used Vehicles+

(100% Financing Available—60 days of no payments!)

As low as 5.16% $25,000  - $100,000 84 Months Fixed $284.18

New Motorcycles

As low as 8.00%  Up to 90% of MSRP 48 Months Fixed $488.26

Used Motorcycles

As low as 8.00% Up to 80% of NADA Retail 36 Months Fixed $626.73

Personal Loan

As low as 6.99% $500 - $30,000 12 Months Fixed $1,730.44

Personal Loan

As low as 8.99% $500 - $30,000 36 Months Fixed $635.90

Personal Loan

As low as 9.99% $500 - $30,000 60 Months Fixed $424.84

Disaster/Furlough Loans

6.00% Up to $2,500 18 Months Fixed $145.581

Personal LIne of Credit

As low as 11.25% $500 - $30,000 N/A Fixed N/A

Platinum VISA Credit Card++

As low as 10.50% $2,500 - $30,000 Monthly payments based on 2% of outstanding balance Variable N/A

Platinum VISA Credit Card Balance Transfer SPECIAL

2.90% Up to $30,000 6 Months Introductory N/A

Platinum VISA Credit Card Intro Rate Limited Time SPECIAL on Purchases

0% Up to $30,000 6 Months Introductory N/A

Classic VISA Credit Card 

As low as 12.15% Up to $20,000 Monthly payments based on 3% of outstanding balance Fixed N/A

ZipLINE Credit Builder

18.00% $500 - $2,000 N/A Fixed N/A

Savings (Share), Money Market Savings & Share Certificate Secured Loans are also available with rates 3% over the highest rate for the deposit product pledged as collateral.

1Loan payment estimates based on a $2,500 loan

*APR = Annual Percentage Rate. All Credit Union lending rates and terms are based upon evaluation of applicant credit. Your actual rate may vary.

+Used Vehicle Limits: Vehicles 10 years old or less are eligible for 100% financing of the NADA Retail Value of the vehicle. Models more than 10 years old are eligible for 100% financing of the NADA Trade In Value of the vehicle. Green Vehicle purchases may receive a .50% APR discount with a floor of the lowest used vehicle rate offered.

++For VISA Platinum Credit Cards: The Annual Percentage Rate (APR) is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. The maximum rate is 18%. The margin is based upon evaluation of applicant credit. Your actual rate and margin may vary.


Home Equity Loan Rates

Effective as of June 1, 2019. Rates subject to change without notice.

Product APR* Amount Financed Max Term Max LTV Rate Structure Approximate Loan Payment
Based on $20,000 Loan

Home Equity Line of Credit**

(Not available in Texas)

As low as 5.25% $10,000 - $250,000 20 Years 80% Variable N/A

Home Equity Line of Credit**

(Not available in Texas)

As low as 5.75% $10,000 - $250,000 20 Years 85% Variable N/A

Home Equity Line of Credit**

(Not available in Texas)

As low as 6.25% $10,000 - $250,000 20 Years 90% Variable N/A

EZ Equity

(Maximum 80% LTV in Texas)

As low as 4.99% $10,000 - $250,000 7 Years 80% Fixed $282.58

EZ Equity

(Maximum 80% LTV in Texas)

As low as 5.24% $50,000 - $250,000 10 Years 80% Fixed $214.48

EZ Equity

(Maximum 80% LTV in Texas)

As low as 5.74% $75,000 - $250,000 15 Years 80% Fixed $165.97

EZ Equity

(Maximum 80% LTV in Texas)

As low as 5.49% $10,000 - $250,000 7 Years 85% Fixed $287.31

EZ Equity

(Maximum 80% LTV in Texas)

As low as 5.74% $50,000 - $250,000 10 Years 85% Fixed $219.44

EZ Equity

(Maximum 80% LTV in Texas)

As low as 6.24% $75,000 - $250,000 15 Years 85% Fixed $171.38

EZ Equity

(Maximum 80% LTV in Texas)

As low as 5.99% $10,000 - $250,000 7 Years 90% Fixed $292.08

EZ Equity

(Maximum 80% LTV in Texas)

As low as 6.24% $50,000 - $250,000 10 Years 90% Fixed $224.46

EZ Equity

(Maximum 80% LTV in Texas)

As low as 6.74% $75,000 - $250,000 15 Years 90% Fixed $176.87

*APR=Annual Percentage Rate.  All Credit Union lending rates and terms are based upon evaluation of applicant credit. Your actual rate may vary.

Your funds at The Partnership FCU are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency. View Your Financial Insurance Coverage.

**Home Equity Line of Credit: The Annual Percentage Rate (APR) is based upon the Wall Street Journal Prime Interest Rate rounded to the nearest 1/4% (Index), plus the applicable margin. The maximum rate is 18%. Homeowner’s Insurance is required. If you live in a flood zone, flood insurance is required. For Home Equity Lines of Credit & EZ Equity Loans closing costs typically range from $200-$1,500. All closing costs are paid by the Credit Union. If the Line of Credit or loan is closed within 36 months of the opening date, the member will reimburse the Credit Union for any costs paid on their behalf.