The Partnership Federal Credit Union

 

The Partnership FCU Products & Services Offerings - Click here for complete details!

 

Savings & Checking Dividend Rates

Lending Rates

 

Your Funds Federally InsuredYour 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 Chart.

Savings Rates: Effective as of April 1, 2014. Rates subject to change without notice.

ProductMinimum BalanceDividend RateAPY
Regular Share Savings $5,000.00 & above 0.10% 0.100%
  $5.00 - $4,999.99 0.10% 0.100%
Secondary Regular Share Savings $5,000.00 & above 0.10% 0.100%
  $5.00 - $4,999.99 0.10% 0.100%
Holiday Club $0.01 & above 0.10% 0.100%
Money Market Savings Account & IRA Regular Share $50,000 & above 0.25% 0.250%
  $20,000 - $49,999.99 0.21% 0.210%
  $5,000.00 - $19,999.99 0.17% 0.170%
  $5.00 - $4,999.99 0.14% 0.140%

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Checking Rates: Effective as of April 1, 2014. Rates subject to change without notice.

ProductMinimum BalanceDividend RateAPY
Basic Checking N/A 0.00% 0.000%
The One Checking  $2,000.00 & above 0.10% 0.100%
   $0 - $1,999.00 0.10% 0.100%
       

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Share and IRA Certificate Dividend Rates: Effective as of April 1, 2014. Rates subject to change without notice.
All certificates available as share, IRA, and Roth IRA. Fees may reduce earnings.

ProductTermMinimum BalanceDividend RateAPY
Share/IRA Certificates 3 months $500.00 0.15% 0.150%
  6 Months $500.00 0.20% 0.200%
  12 Months $500.00 0.35% 0.350%
  24 Months $500.00 0.55% 0.551%
  60 Months $500.00 1.10% 1.105%
Savings Builder
Certificate
6 Months $100.00 0.20% 0.200%
See Truth-In-Savings Disclosure. A penalty is imposed for withdrawals from Share Certificate Accounts before maturity.  For Share Certificates with terms of one (1) year or less there is a penalty of 90 days of dividends; terms more than one (1) year there is a penalty of 180 days of dividends. The penalty amount may reduce the principal.

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Lending Rates: Effective as of April 1, 2014. Rates subject to change without notice.
All credit union lending rates and terms are based upon evaluation of applicant credit. Your actual rate may vary.

ProductAPRAmount FinancedMax TermRate
Structure
New & Used Vehicles (100% Financing Available - NO PAYMENTS for 90 days!) as low as 1.24% Up to $100,000 36 Months Fixed
  as low as 2.24% $1,000 - $100,000 48 Months Fixed
  as low as 2.24% $10,000 - $100,000 60 Months Fixed
  as low as 2.70% $25,000 - $100,000
72 Months Fixed
New Motorcycles as low as 8.00% up to 90% of MSRP 48 Months Fixed
Used Motorcycles as low as 8.00% up to 80% of NADA Retail 36 months Fixed
New RVs & Boats as low as 9.50% up to 80% of MSRP 60 Months Fixed
Used RVs & Boats as low as 9.50% up to 80% of NADA Retail 60 Months Fixed
Personal Line of Credit as low as 11.25% Up to $25,000 N/A Fixed
Personal Loan as low as 8.25% Up to $5,000 36 Months Fixed
  as low as 8.25% $5,000 - $25,000 48 Months Fixed
  as low as 8.25% $10,000 - $25,000 60 months Fixed
Platinum Visa Credit Card++ as low as 8.25% up to $25,000 Monthly payments based on 2% of outstanding balance Variable
Platinum Visa Credit Card
Balance Transfer SPECIAL
as low as
2.90%
up to $25,000 6 Months Introductory
Platinum Visa Credit Card
Intro Rate Limited Time SPECIAL on Purchases
0%
6 Months Introductory
Classic Visa Credit Card as low as 12.15% up to $20,000 Monthly payments based on 3% of outstanding balance Fixed
Payday Alternative Loan - SHORT Term
16.00% up to $1,000 Not to exceed 30 days
($30 application fee)
Fixed
Payday Alternative Loan - LONG Term
18.00% up to $1,000 12 months
($30 application fee)
Fixed
Payday Alternative Loan - LONG Term with Savings
13.00% up to $1,000 13 months
($30 application fee)
Fixed
Disaster/
Furlough Loans
6.00% up to $2,500 18 months Fixed

 

 

Current vehicle loans financed with The Partnership FCU are available to refinance as low as .30% higher than stated rate once per term.
Savings (Share), Money Market Savings & Share Certificate Secured Loan Advances are also available with rates 3% over the highest rate for the deposit product.

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Home Equity Loan Rates: Effective as of April 1, 2014. Rates subject to change without notice.
ProductAPRAmount FinancedMax TermMax LTVRate
Structure
Home Equity Line of Credit* (not available in Texas) as low as 4.00% $5,000 - $200,000 20 Years 80% Variable
EZ Equity as low as 4.99% $5,000 -
$99,000
7 Years 80% Fixed
  as low as 5.99% $50,000 - $99,000 10 Years 80% Fixed
  as low as 6.99% $75,000 - $99,000 15 Years 80% Fixed

 

 




+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.

++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 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% and the floor is 4.00%. 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-$1500. 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.

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