Partners 1st understands that life happens in stages. Whether you're at the stage where you need to borrow for a car, home, toy or vacation we have great rates and a variety of terms to fit your needs. If you're at the stage of your life that Savings is your main goal we have a wonderful selection of savings products with competitive rates to assist you in reaching your goals.

First Mortgage

Loan Term

Rate

APR as low as

Partners 1st 30 Year Fixed

-

-

0 Points

4.000% APR

4.0997% APR

1 Point

3.875% APR

4.0587% APR

Partners 1st 20 Year Fixed

-

-

0 Points

3.750% APR

3.8870% APR

1 Point 

3.625% APR

3.8769% APR

Partners 1st 15 Year Fixed

-

-

0 Points

3.375% APR

3.5470% APR

1 Point

3.250% APR

3.5686% APR

APR = Annual Percentage Rate. Rate and APR under first mortgage based on $100,000 loan amount. Avaliable in Indiana, Kentucky, Ohio and Virginia. Rates as of 11/16/17 and subject to change at any time. 

Home Equity Loan - Fixed Rate Program

Loan Amount

Term 

APR as low as

Under 50% Loan-to-Value

Up to 5 years

4.00% APR

-

6 - 10 years

4.50% APR

-

11 - 15 years

5.00% APR

50.01% - 80% Loan-to-Value

Up to 5 years

4.50% APR

-

6 - 10 years

5.00% APR

-

11 - 15 years

5.50% APR

80.01% - 90% Loan-to-Value

Up to 5 years

6.00% APR

-

6 - 10 years

6.50% APR

-

11 - 15 years

7.00% APR

90.01% - 133% Loan-to-Value

Up to 5 years

7.00% APR

-

6 - 10 years

7.50% APR

-

11 - 15 years

8.00% APR

Minimum loan amount of $10,000. Maximun loan amount of $100,000. CLTV's 80.01-133% require a minimum credit score of 660. Avaliable in Indiana, Kentucky, Ohio, Virginia, and Maryland. APR = Annual Percentage Rate. Rates as of 4/10/17 and subject to change at any time. A $150 application fee applies. 

Home Equity Line of Credit - Variable Rate Program

Loan Amount

APR as low as

Under 50% Loan-to-Value

4.00% APR

50.01% - 80% Loan-to-Value

4.25% APR

80.01% - 90% Loan-to-Value

6.50% APR

90.01% - 100% Loan-to-Value

7.00% APR

APR = Annual Percentage Rate. CLTV's 80.01-100% require a minimum credit score of 680. Avaliable in Indiana, Kentucky, Ohio, Virginia and Maryland. Rates as of 6/21/17 and subject to change at any time.  A $150 application fee applies. 

Home Improvement Loan

Loan Amount

Term

APR as low as

Up to 133% Loan-to-Value

1 - 10 years

7.75% APR

Home improvement loans $7,500 or less will be unsecured and require a minimum credit score of 660. Loans above $7,500 will be underwritten as a fixed rate second mortgage minimum credit score of 660. $150 application fee applies. APR = Annual Percentage Rate.

Cars, Trucks, Motorcycles, and Vans

Loan Term

Rate (APR)

2017 Model Year

-

36 months

2.84% APR

48 months

2.84% APR

66 months

2.84% APR

72 months

3.14% APR

84 months

4.14% APR

2016 Model Year

-

36 months

2.84% APR

48 months

2.84% APR

66 months

2.84% APR

72 months

3.14% APR

84 months

4.14% APR

2015 Model Year

-

36 months

3.14% APR

48 months

3.14% APR

66 months

3.14% APR

72 months

3.44% APR

84 months

4.44% APR

2014 Model Year

-

36 months

3.14% APR

48 months

3.14% APR

66 months

3.14% APR

72 months

3.44% APR

84 months

4.44% APR

2013 Model Year

-

66 months

3.44% APR

2012 Model Year

-

66 months

3.44% APR

2011 Model Year

-

60 months

3.44% APR

2010 Model Year

-

60 months

4.44% APR

APR = Annual Percentage Rate. Rates as of 10/1/17 and subject to change at any time. Normal loan underwriting guidelines apply. Minimum $25,000 loan amount required for 84-month term at 3.99%

New Boats, Motor Homes, Travel Trailers & Campers

Loan Term

Minimum Loan Amount

APR as low as

terms to 60 months

$5,000

5.50% APR

terms to 84 months

$7,000

6.05% APR

terms to 120 months

$15,000

6.60% APR

APR = Annual Percentage Rate. Rates as of 7/30/15 and subject to change at any time.

Used Boats, Motor Homes, Travel Trailers & Campers

Loan Term

Minimum Loan Amount

APR as low as

terms to 60 months

$5,000

6.20% APR

terms to 84 months

$7,000

6.45% APR 

terms to 120 months

$15,000

6.95% APR

APR = Annual Percentage Rate. Rates as of 7/6/15 and subject to change at any time. Maximum Repayment Terms: up to 60 months if $5000 and above. Up to 84 months if $7000 and above. Up to 120 months if $15,000 and above.

Jet Ski, Snowmobile, ATV - New & Used

Loan Term

APR as low as

terms to 24 months

6.75% APR

terms to 36 months

6.75% APR

terms to 60 months

6.75% APR

APR = Annual Percentage Rate. Rates as of 5/13/15 and subject to change at any time. 

Personal Loan & Line of Credit

Product/Loan Term

APR as low as

Creditline

13.25% APR

Creditline Premier

11.50% APR

Personal Loan - 24 months

8.99% APR

Personal Loan - 36 months

8.99% APR

Personal Loan - 48 months

8.99% APR

Personal Loan - 60 months

9.99% APR

Over $50,000

9.99% APR

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.

APR = Annual Percentage Rate. Rates as of 5/13/15 and subject to change at any time.

Credit Cards

Credit Cards

APR as low as

Visa Platinum

9.99% APR

Visa Platinum Rewards

11.99% APR

Advertised rates may vary based on creditworthiness. Rates as of 6/21/17. 

Savings

Account

Amount

Rate

APY

Regular & Special Savings

$200 - $499

0.05%

0.05%

-

$500 - $4,999

0.05%

0.05%

-

$5,000 - $9,999

0.05%

0.05%

-

$10,000 - $19,999

0.05%

0.05%

-

$20,000+

0.05%

0.05%

Insured Money Management Account

$1000 - $2,499

0.07%

0.07%

-

$2,499 - $4,999

0.10%

0.10%

-

$5,000 - $24,999

0.10%

0.10%

-

$25,000 - $49,999

0.15%

0.15%

-

$50,000+

0.25%

0.25%

IMMA Gold

$100,000 minimum

0.30%

0.30%

Vacation Club

-

0.05%

0.05%

Christmas Club

-

0.05%

0.05%

Clown Club

-

0.10%

0.10%

IRA Shares

-

0.30%

0.30%

APY = Annual Percentage Yield. Rates as of 10/1/17 and subject to change at any time.

Regular Share & IRA Certificates

Term 

Rate

APY

3 months

0.10%

0.10%

6 months

0.13%

0.13%

9 montha

0.18%

0.18%

12 months

0.23%

0.23%

18 months

0.26%

0.26%

24 months

0.41%

0.41%

36 months

0.60%

0.60%

48 months

0.75%

0.75%

Level 2

1.00%

Level 1

1.25%

60 months

0.99%

0.99%

Level 2

1.24%

Level 1

1.49%

$500 minimum deposit. Rates as of 10/1/17 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects certificates paid monthly into the certificate. Substantial penalty for early withdrawal. 

Checking

Account

Amount

Rate

APY

1st Start Checking

-

-

-

1st Rewards Checking

-

-

-

Classic 1st Checking

-

-

-

Fresh Start Checking

-

-

-

Premium 1st Checking*

-

0.05%

0.05%

Business Checking

$25,000 - $49,999.99

0.05%

0.05%

-

$50,000 - $99,999.99

0.05%

0.05%

-

$100,000+

0.10%

0.10%

Health Savings Checking

$0 - $999

0.05%

0.05%

-

$1,000 - $2,499

0.10%

0.10%

-

$2,500 - $9,999

0.10%

0.10%

-

$10,000 - $24,999

0.25%

0.25%

-

$25,000+

0.25%

0.25%

*Fees may reduce earnings. Dividends on balances of $10,000 or more.  APY = Annual Percentage Yield. Rates as of 10/1/17 and subject to change at any time.