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

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The Partnership FCU offers various savings and investment opportunities at competitive dividend rates. From regular savings accounts to get you started with membership to retirement accounts and share certificates, we can make managing your finances easier and help you build for your future. Contact a Member Services Representative today to start saving for your future.

View The Partnership FCU Account Comparison Chart to pick the accounts that best match your lifestyle.

Savings Accounts

Regular Savings

The Partnership FCU Savings Account, with a completed application, opens the door to lifetime membership and all the loans, services and member benefits we offer.

  • Open a Savings Account with a $5 minimum!
  • Over 30,000 Free ATMs and over 5,000 Branches Available Nationwide 
  • Account Access with Online Banking and Audio Response
  • Direct Deposit and Automatic Transfer Available
  • Dividends Accrue Daily from Date of Deposit to Date of Withdrawal
  • Funds Federally Insured by NCUA

Payable on Death (POD) - Name a beneficiary when you open your account or update your beneficiaries at any time. By naming a beneficiary you get the same benefits as Trust Accounts - letting you pass all funds remaining in a checking (share draft) or savings account at death to a named beneficiary and avoid probate. A POD account doesn't require the legal documentation as with Trust Accounts. Contact a Member Services Representative for complete details.

Holiday Club Savings

Take advantage of the opportunity to earn dividends while saving for that holiday season.

  • No Minimum Deposit to Open
  • No Minimum Balance to Earn Dividends
  • Direct Deposit and Automatic Transfer Available
  • Annual October disbursement into your Primary Savings


Investment Savings Account

Money Market Savings Account

You work hard for your money. The Partnership FCU puts your money to work for you. View The Partnership FCU Account Comparison Chart to pick the accounts that best match your lifestyle.

  • $10,000 Minimum to Open*
  • Tiered Dividend Rate Structure - The More You SAVE, The More You EARN
  • 3 Free Withdrawals per month**
  • No Deposit Restrictions
  • Easy Account Access with Online Banking and Audio Response
  • Over 30,000 Free ATMs and over 5,000 Branches Available Nationwide 
  • Free Domestic Wire Transfers
  • Dividends Accrue Daily from Date of Deposit to Date of Withdrawal
  • Funds Federally Insured by NCUA


*Monthly fee assessed if average monthly balance falls below $10,000.  Monthly fee will be assessed first business day of the following month.

**$25.00 for each additional withdrawal.

Transaction Limitations:  A member who has a non-transaction account can only have up to six pre-authorized or automatic withdrawals or transfers to another account at the same credit union or to a third party during a calendar month.   But if the member makes withdrawals or transfers in person, at an automated teller machine, by mail, or by telephone, with the check or share draft mailed to the member, withdrawals can be unlimited for regular savings accounts. For the Money Market Savings Account, transactions can only be performed through online banking, Audio Response, by telephone, mail or in person.


Share Certificates of Deposit

We can help you save for tomorrow, today! The Partnership FCU offers a variety of Share Certificate options to meet your needs and budget. Contact a Member Services Representative and start saving today.

Regular Share Certificates

  • Competitive Dividend Rates
  • Terms from 3 months up to 60 Months
  • $500 Minimum Balance
  • Dividends Can Be Added to Principal or Credited To Share Account
  • Automatic Renewal at Maturity at Prevailing Rate

IRA Regular Share Certificates
Combine the advantages of great dividend rates with potential tax-savings.

  • Terms from 3 to 60 Months
  • $500 minimum balance
  • Transfers and Rollovers from Other Institutions Welcomed
  • BumpUp Option Available

BumpUp Option
One-time option to BumpUp your rate and investment amount on current certificates during the term!

  • Minimum Deposit $500 with terms up to 60 months**
  • One-Time Option to BumpUp to a Higher Dividend Rate during Certificate Term
  • One-Time Option to BumpUp Investment Amount During Certificate Term
  • New Rate Carries Forward from Date of BumpUp-Not Retroactive

Savings Builder Certificate
This is the perfect option to start saving a little money now, even if you don't have a lot to invest right away. Keep adding to it monthly to build your investment!
  • Minimum Deposit $100 to open
  • Convenient 6 month term
  • Monthly deposit of at least $50

*Share & IRA Certificate Special: APY = Annual Percentage Yield (APY). All of our Share and IRA Certificates require a minimum $500 investment and we offer terms of 90 days to 60 months. For all accounts, the Credit Union uses the daily balance method of computing dividends, which applies a periodic rate to the full amount of principal in the account each day. Dividends accrue daily from the date of deposit to the date of withdrawal. For all accounts, accrued dividends will not be paid at account closing, if closed prior to a dividend period, except in cases of maturing share or IRA certificates. A penalty will be imposed for early withdrawal of certificate accounts. Certain other restrictions may apply. Contact us for specific details. The Partnership FCU reserves the right to immediately discontinue at any time any or all such promotional rates.

**Minimum BumpUp investment of $500 and BumpUp rate option, only available for certificate terms of 12 to 60 months.

A penalty is imposed for early withdrawals on any Share Certificate Accounts before maturity. For Share Certificiates 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.


Individual Retirement Accounts

The Partnership FCU offers IRA Traditional IRAs, Roth IRAs and Coverdell Education Savings Account options.

Traditional IRA
  • Offers tax-deferred earnings and potential for tax-deductible contributions.
  • You may contribute as long as you do not reach age 70 -1/2 by end of the tax year.
  • Create balanced long term savings plan.

Roth IRA
  • Penalty-Free Withdrawals on Contributions after 5 Years and Qualifying Conditions*
  • Funds Contributed Compound Tax-Free
  • Distributions Completely Tax-Free
  • Contributions Allowed After Age 70-1/2 when employed
  • No Mandatory Distribution, Great Estate Planning Tool

*At least one of these additional conditions must be met: the owner is 59-1/2 disabled; deceased; withdrawal is for first-time home purchase or education

Coverdell Education Savings Account
  • Save for a Child's Education until the minor reaches age 18
  • $2,000 Yearly Maximum Contribution from January 1-December 31
  • Tax-Free Dividends and Withdrawals
  • Funds must be used for qualified educational expenses such as tuition, fees, books, supplies and school equipment

 IRA Regular Share Accounts
  • A Special Share Savings Account for IRA Savings
  • $5.00 minimum to Open Account and Earn Dividends
  • No Term Investment Required
  • Make Ongoing Contributions and Withdrawals - contribution limits and tax liability may apply
  • IRA Transfers and Rollovers From Other Institutions Welcomed
  • Potential Tax-Deferred Savings consult your tax advisor

Trust/Estate Accounts

Let your family avoid the cost and hassle of probate. Revocable living trusts give you control over trust assets during your lifetime and specify and change beneficiaries any time. NCUA insured to $250,000 per beneficiary, see The Partnership FCU's Financial Insurance Coverage Chart. Legal documentation required. Contact a Member Services Representative for complete details, to open a Trust Account or print and fill out a Trust/Estate Account Application.

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.