Eligibility Requirements

To join, you must open a savings account with a minimum deposit of $5 or begin a payroll deduction. This minimum deposit must stay on account at all times to remain a member in good standing and to be eligible for the other services offered at Partners 1st. This account may be opened at any of our offices or by mail. You may use the application form provided under Membership Application or call 800.728.8943 to request an application.

Who Can Join Partners 1st?

Partners 1st serves multiple Select Employee Groups and several community groups. Click to see if your company or community is on our list!

Family Membership

Partners 1st has a "once a member, always a member" philosophy. So no matter where you live or work, you can take advantage of any service we offer as long as you keep your membership. That's why we think it's important to get your relatives to join. Let them take advantage of the same great service, waived or reduced services fees, low rates, and competitive dividend rates that you do! Family membership can be extended to your immediate family. Immediate family includes spouse, child, sibling, parent, grandparent, grandchild, step-parent, step-child, step-sibling, or an adoptive relationship.

Partnership Level Requirements*

Your Partnership Level is determined by the types of products and services you use. Please click here to view the Rate & Fee schedule.

Level 1 (High)

  • Personal checking account
  • Loan with a balance or $50,000+ in deposits
  • Active 1st Online participant
  • Direct deposit or payroll

Level 2 (Mid)

  • Personal checking account
  • Loan with a balance or $50,000+ in deposits

Level 3 (Basic)

  • Organizations and businesses
  • All others not in Level 1 or 2

Benefits of Partners 1st

Membership Advantages

At Partners 1st, you're a member, not just a customer. Your deposit is considered your share of ownership. As an owner, you'll experience lower loan rates, higher savings rates, and free or low-cost services.

The more Partners 1st products and services you use, the greater the rewards!

  • FREE Identity Theft Protection
  • Enjoy bonus rates on Share Certificates
  • Discounts on Products & Services
  • Discounts on Loan Rates
  • Experience waived or reduced fees on most services!

$3,000 Accidental Death & Dismemberment Insurance

All Partners 1st members age 18 and over are eligible for $3000 of FREE Accidental Death & Dismemberment Insurance. This plan offers full 24-hour coverage for accidents anywhere in the world, on or off the job, on business, on vacation, and even at home.

Learn More

FREE Discount Prescription Drug Card

Partners 1st provides free discount prescription drug cards to help lower your prescription drug costs. These cards are available at no cost to you, and can even be printed using your own printer.

Learn More & Request / Print Your Card

Visa Discounts

Did you know you can receive special discounts for your favorite stores and restaurants when you use your Visa card? It’s easy! Just click on the link below to view the current specials from Visa and remember to check back often for updates!

View Discounts

*Member must have visited 1st Online within last 60 days to be considered an active 1st Online participant. Direct deposit or payroll must have occurred within past 60 days. Privilege Pay loans do not qualify as loans for determining Partnership Levels. Loan discount is lost if moving to another tier with different discount. Must qualify for loan rate discount before disbursement. Check with our staff to determine which loans have a discount. Accounts with a loan delinquent 25 days or more are assigned to Level 3. Accounts with a negative balance write off, charged off loan or Chapter 7 or 13 bankruptcy are also assigned to Level 3. Loan rate discounts not applicable on 1st and 2nd mortgages, Creditlines, collection rewrites and Privilege Pay loans. For free identity theft protection, Level 1 members must sign an agreement.