Cars, Trucks, Motorcycles, and Vans
|
APR
|
Monthly Payment
|
|
Rates as of 4/15/08 as low as
|
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|
2008 - 2007 Model Year
|
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60 Months
|
5.10% APR
|
$1.89 per $100 borrowed
|
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66 Months
|
5.35% APR
|
$1.75 per $100 borrowed
|
|
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|
72 Months
|
6.05% APR
|
$1.66 per $100 borrowed
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84 Months
|
6.99% APR
|
$1.51 per $100 borrowed
|
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2006 - 2005 Model Year
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60 Months
|
5.10% APR
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$1.89 per $100 borrowed
|
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66 Months
|
5.35% APR
|
$1.75 per $100 borrowed
|
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72 Months
|
5.89% APR
|
$1.65 per $100 borrowed
|
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84 Months
|
7.95% APR
|
$1.56 per $100 borrowed
|
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2004 Model Year
|
60 Months
|
6.14% APR
|
$1.94 per $100 borrowed
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66 Months
|
6.39% APR
|
$1.80 per $100 borrowed
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2003 Model Year
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48 Months
|
6.45% APR
|
$2.37 per $100 borrowed
|
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54 Months
|
6.70% APR
|
$2.15 per $100 borrowed
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2002 Model Year
|
48 Months
|
6.74% APR
|
$2.38 per $100 borrowed
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2001 Model Year
|
48 Months
|
6.74% APR
|
$2.38 per $100 borrowed
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New Boats, Motor Homes, Travel Trailers & Campers
|
APR
|
Monthly Payment
|
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Rates as of 4/15/08 as low as
|
Minimum Loan Amount
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60 months
|
$5,000
|
7.60% APR
|
$2.00 per $100 borrowed
|
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84 months
|
$7,000
|
6.85% APR
|
$1.50 per $100 borrowed
|
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120 months
|
$10,000
|
6.60% APR
|
$1.14 per $100 borrowed
|
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144 months
|
$15,000
|
6.35% APR
|
$1.00 per $100 borrowed
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180 months
|
$25,000+
|
6.10% APR
|
$0.85 per $100 borrowed
|
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Used Boats, Motor Homes, Travel Trailers & Campers
|
APR
|
Monthly Payment
|
|
Rates as of 4/15/08 as low as
|
Minimum Loan Amount
|
|
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|
|
|
|
terms to 60 months
|
$5,000
|
7.70% APR
|
$2.01 per $100 borrowed
|
|
|
|
terms to 84 months
|
$7,000
|
6.95% APR
|
$1.51 per $100 borrowed
|
|
|
|
terms to 120 months
|
$10,000
|
6.70% APR
|
$1.15 per $100 borrowed
|
|
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|
terms to 144 months
|
$15,000
|
6.45% APR
|
$1.00 per $100 borrowed
|
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terms to 180 months
|
$25,000+
|
6.20% APR
|
$0.85 per $100 borrowed
|
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Jet Ski, Snowmobile, ATV - New & Used
|
APR
|
Monthly Payment
|
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Rates as of 4/15/08 as low as
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terms to 24 months
|
|
6.75% APR
|
$4.46 per $100 borrowed
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terms to 36 months
|
|
6.75% APR
|
$3.08 per $100 borrowed
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terms to 60 months
|
|
6.75% APR
|
$1.97 per $100 borrowed
|
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Personal Loan & Line of Credit
|
APR
|
Monthly Payment
|
|
Rates as of 4/15/08 as low as
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Creditline
|
|
13.25% APR
|
Greater of $20 or $2 per $100 borrowed
|
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Creditline Premier
|
|
11.50% APR
|
Greater of $20 or $2 per $100 borrowed
|
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Personal Loan - 24 months
|
|
9.50% APR
|
$4.59 per $100 borrowed
|
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Personal Loan - 36 months
|
|
9.50% APR
|
$3.20 per $100 borrowed
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Personal Loan - 48 months
|
|
9.50% APR
|
$2.49 per $100 borrowed
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Personal Loan - 60 months
|
|
10.50% APR
|
$2.15 per $100 borrowed
|
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Over $50,000
|
|
10.50% APR
|
Call for approval!
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Home Equity Loan - Fixed Rate Program
|
APR
|
Notes
|
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Rates as of 4/15/08 as low as
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Under 50% Loan-to-Value
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Up to 5 years
|
4.99% APR
|
Special!
|
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6 - 10 years
|
6.24% APR
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11 - 15 years
|
6.89% APR
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|
|
50.01% - 80% Loan-to-Value
|
Up to 5 years
|
5.99% APR
|
Special!
|
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6 - 10 years
|
6.99% APR
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11 - 15 years
|
7.64% APR
|
|
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|
|
80.01% - 90% Loan-to-Value
|
Up to 5 years
|
5.99% APR
|
Special!
|
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6 - 10 years
|
7.24% APR
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11 - 15 years
|
7.89% APR
|
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|
|
90.01% - 100% Loan-to-Value
|
Up to 5 years
|
6.24% APR
|
Special!
|
|
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|
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6 - 10 years
|
7.74% APR
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|
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11 - 15 years
|
8.39% APR
|
|
|
Home Equity Line of Credit - Variable Rate Program*
Rates as of 4/21/08 as low as
|
APR
|
Notes
|
|
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|
|
Under 50% Loan-to-Value
|
|
3.00% APR
|
Rate reflects an variable introductory discount of 3% off the indexed rate and is available for six statement cycles from opening.
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|
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50.01% - 80% Loan-to-Value
|
|
3.00% APR
|
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80.01% - 90% Loan-to-Value
|
|
3.00% APR
|
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90.01% - 100% Loan-to-Value
|
|
3.00% APR
|
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|
Not available in Texas
|
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|
First Mortgage*
Rates as of 5/14/08 as low as
|
Rate
|
APR
|
Notes
|
|
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|
Partners 1st 30 Year Fixed
|
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|
*If you are a resident of Indiana, Ohio, Michigan Kentucky, or Virginia and are interested in a 15, 20, or 30 year fixed mortgage, call Partners 1st at 800.728.8943 or 260.471.8336. Otherwise call PHH at 866.212.7841.
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|
|
0 Points
|
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6.25%
|
6.3049%
|
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|
1 Point
|
|
6.00%
|
6.1479%
|
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|
Partners 1st 20 Year Fixed
|
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0 Points
|
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6.00%
|
6.0707%
|
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1 Point
|
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5.75%
|
5.9435%
|
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Partners 1st 15 Year Fixed
|
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0 Points
|
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5.75%
|
5.7944%
|
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1 Point
|
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5.50%
|
5.7405%
|
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|
Partners 1st 10 Year Fixed
|
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0 Points
|
|
5.50%
|
5.6197%
|
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|
1 Point
|
|
5.25%
|
5.5879%
|
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|
7/1 ARM
|
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|
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|
0 Points
|
|
5.75%
|
6.0475%
|
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|
5/1 ARM
|
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|
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|
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|
0 Points
|
|
5.50%
|
5.7804%
|
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|
3/1 ARM
|
|
|
|
|
|
|
|
0 Points
|
|
5.25%
|
5.3925%
|
|
|
|
|
1/1 ARM
|
|
|
|
|
|
|
|
0 Points
|
|
5.00%
|
5.3894%
|
|
|
|
|
APR = Annual Percentage Rate. Rate and APR under first mortgage based on $100,000 loan amount. Rates subject to change at any time.
|
Credit Cards (Rates as of 4/21/08)
|
As low as APR
|
|
Notes
|
|
|
|
Visa Platinum
|
|
5.24% APR
|
|
No Annual Fee
|
|
|
Visa Gold
|
|
10.05% APR
|
|
No Annual Fee
|
|
|
Visa Classic (Student Card)
|
|
17.15% APR
|
|
No Annual Fee
|
|
|
Visa Classic (Credit Rebuilder)
|
|
15.15% APR
|
|
Saving Secured
|
|
|
Advertised rates may vary based on creditworthiness.
|
|
|
|
|
Savings (Rates as of 5/1/08)
|
Rate
|
APY
|
Features and Notes
|
|
|
Regular and Special Savings
|
|
|
|
$5 min. required to open
|
|
|
|
Less than $200
|
0.00%
|
0.00%
|
|
|
|
|
|
$200 - $499
|
.25%
|
.25%
|
|
|
|
|
|
$500 - $4,999
|
.30%
|
.30%
|
|
|
|
|
|
$5,000 - $9,999
|
.40%
|
.40%
|
|
|
|
|
|
$10,000 - $19,999
|
.45%
|
.45%
|
|
|
|
|
|
$20,000+
|
.50%
|
.50%
|
|
|
|
IMMA
Insured Money Management Account
|
|
|
|
|
|
|
|
$0 - $2,499.00
|
.35%
|
.35%
|
|
|
|
|
|
$2,499.01 - $4,999.99
|
.50%
|
.50%
|
|
|
|
|
|
$5,000.00 - $24,999.99
|
.90%
|
.90%
|
|
|
|
|
|
$25,000.00 - $49,999.99
|
1.65%
|
1.66%
|
|
|
|
|
|
$50,000+
|
1.69%
|
1.70%
|
|
|
|
|
IMMA Gold
(Minimum $100,000 balance)
|
|
2.55%
|
2.58%
|
Start Earning More Today!
|
|
|
Vacation Club
|
|
.45%
|
.45%
|
Save for a great summer vacation!
|
|
|
Christmas Club
|
|
.45%
|
.45%
|
Be prepared for next Christmas.
|
|
|
Clown Club
|
|
.65%
|
.65%
|
Fun club for kids ages 0 -9!
|
|
|
IRA Shares
|
|
.50%
|
.50%
|
|
|
Checking (Rates as of 5S/1/08)
|
Rate
|
APY
|
Features and Notes
|
|
|
Partners 1st Checking
|
|
----
|
----
|
|
|
|
Partners Classic Checking
|
|
----
|
----
|
|
|
Money Market 1st Checking*
|
|
2.00%
|
2.02%
|
|
|
Take-2 Checking
|
|
|
|
|
|
Health Savings
Checking Account
|
|
|
|
|
|
|
|
|
$0 - $999
|
.70%
|
.70%
|
|
|
|
|
|
$1,000 - $2,499
|
.70%
|
.70%
|
|
|
|
|
|
$2,500 - $9,999
|
1.70%
|
1.71%
|
|
|
|
|
|
$10,000 - $24,999
|
4.50%
|
4.59%
|
|
|
|
|
|
$25,000+
|
4.50%
|
4.59%
|
|
|
|
|
*Fees may reduce earnings
|
|
|
|
|
|
Regular Share and IRA Certificates
(Rates as of 5/9/08)
|
Purchase a CD
|
Rate
|
APY
|
Notes
|
|
|
|
Specials
|
|
|
|
|
|
|
|
4 Months
|
|
3.01%
|
3.05%
|
$500 min. deposit
|
|
|
13 Months
|
|
3.20%
|
3.25%
|
$500 min. deposit
|
|
|
|
|
3.30%
|
3.35%
|
$10,000 min. deposit
|
|
|
|
|
3.45%
|
3.51%
|
$25,000 min. deposit
|
|
|
3 Months
|
|
1.66%
|
1.67%
|
$500 min. deposit
|
|
|
6 Months
|
|
1.98%
|
2.00%
|
$500 min. deposit
|
|
|
12 Months
|
|
1.98%
|
2.00%
|
$500 min. deposit
|
|
|
|
|
2.08%
|
2.10%
|
$10,000 min. deposit
|
|
|
|
|
2.23%
|
2.25%
|
$25,000 min. deposit
|
|
|
18 Months
|
|
1.98%
|
2.00%
|
$500 min. deposit
|
|
|
|
|
2.08%
|
2.10%
|
$10,000 min. deposit
|
|
|
|
|
2.23%
|
2.25%
|
$25,000 min. deposit
|
|
|
24 Months
|
|
2.09%
|
2.11%
|
$500 min. deposit
|
|
|
|
|
2.19%
|
2.21%
|
$10,000 min. deposit
|
|
|
|
|
2.34%
|
2.37%
|
$25,000 min. deposit
|
|
|
36 Months
|
|
2.30%
|
2.32%
|
$500 min. deposit
|
|
|
|
|
2.40%
|
2.43%
|
$10,000 min. deposit
|
|
|
|
|
2.55%
|
2.58%
|
$25,000 min. deposit
|
|
|
48 Months
|
|
2.52%
|
2.55%
|
$500 min. deposit
|
|
|
|
|
2.62%
|
2.65%
|
$10,000 min. deposit
|
|
|
|
|
2.77%
|
2.81%
|
$25,000 min. deposit
|
|
|
60 Months
|
|
2.78%
|
2.82%
|
$500 min. deposit
|
|
|
|
|
2.88%
|
2.92%
|
$10,000 min. deposit
|
|
|
|
|
3.03%
|
3.07%
|
$25,000 min. deposit
|
Rate are fixed for the term. Annual Percentage Yield (APY) reflects certificates paid monthly and into the certificate. Rates and APY subject to change. Substantial penalty for early withdrawal.
|
Disclosure: All rates are subject to change. All loan rates stated as annual percentage rates and all loans subject to normal loan underwriting guidelines. Other restrictions as to terms, financing options, and minimums may apply. The finance charge for Creditline and Creditline Premier is computed at a periodic rate of .03630% and .03151% respectively, per day, applied to the loan balance for the exact number of days each loan balance is outstanding. The minimum monthly payment is $20 or $2.00 per $100 borrowed, whichever is greater and minimum payments are required monthly for accounts with balances.
Visa Platinum disclosure (lowest rate possible)
Visa Gold disclosure (lowest rate possible)
Visa Classic - Student card disclosure (lowest rate possible)
Visa Classic - Credit Rebuilder disclosure (lowest rate possible)
*The annual percentage rate (APR) is variable and can change on a monthly basis on the 21st of each month. The APR is current as of 10/21/07 and is based on prime rate as published in the Wall Street Journal plus or minus a margin. The maximum APR is 18% in accordance with Federal law. The APR is Prime Rate minus 1% when borrowing 50% or less of the current market value of your home, minus existing liens for 60 months. When borrowing more than the 50%, the rates is based on the loan-to-value percentage, term and creditworthiness. Minimum line amount is $10,000; maximum line to $300,000. This line of credit has a 10 year draw period after which you will be required to repay within a 15 year term. Plans available up to a maximum of 15 years. Property insurance required and a $400 fee reimbursement will be imposed on loans paid off within 24 months of opening.
|
