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See Rates

The team at Partners 1st works hard to ensure we're delivering the best possible rates to our members. Our top priority is making sure you're taken care of - every step of the way.

Cars, Trucks, Motorcycles, & Vans

New Boats, Motor Homes, Travel Trailers & Campers

Used Boats, Motor Homes, Travel Trailers & Campers

Powersports - New

Powersports - Used

Personal Loan & Line of Credit

Credit Cards

Savings

IMMA

IMMA Gold

Regular Share & IRA Certificates

Checking

JumpStart Term Savings

Cars, Trucks, Motorcycles, and Vans
Loan Term Rate (APR As low as)
2024 Model Year -
36 months 7.00% APR
48 months 7.00% APR
60 months 7.50% APR
66 months 7.50% APR
72 months 7.75% APR
84 months 8.75% APR
2023 Model Year -
36 months 7.00% APR
48 months 7.00% APR
60 months 7.50% APR
66 months 7.50% APR
72 months 7.75% APR
84 months 8.75% APR
2022 Model Year -
36 months 7.00% APR
48 months 7.00% APR
60 months 7.50% APR
66 months 7.50% APR
72 months 7.75% APR
84 months 8.75% APR
2021 Model Year -
36 months 7.00% APR
48 months 7.00% APR
60 months 7.50% APR
66 months 7.50% APR
72 months 7.75% APR
84 months 8.75% APR
2020 Model Year -
60 months 7.50% APR
66 months 7.50% APR
72 months 8.25% APR
2019 Model Year -
66 months 7.50% APR
72 months 8.25% APR
2018 Model Year -
60 months 7.50% APR
66 months 7.50% APR
72 months 8.25% APR
2017 Model Year -
60 months 8.25% APR
66 months 8.50% APR

APR = Annual Percentage Rate. Rates as of 01/01/24 and subject to change at any time. Minimum collateral value of $15,000 required for 72-month term and $25,000 for 84-month term.

New Boats, Motor Homes, Travel Trailers & Campers
Loan Term Minimum Loan Amount APR as low as
terms to 60 months $5,000 7.00% APR
terms to 84 months $7,000 7.55% APR
terms to 120 months $15,000 8.10% APR

APR = Annual Percentage Rate. Rates as of 10/1/23 and subject to change at any time. Maximum repayment terms: up to 60 months if $5,000 and above. Up to 84 months if $7,000 and above. Up to 120 months if $15,000 and above.

Used Boats, Motor Homes, Travel Trailers & Campers
Loan Term Minimum Loan Amount APR as low as
terms to 60 months $5,000 7.70% APR
terms to 84 months $7,000 7.95% APR
terms to 120 months $15,000 8.45% APR

APR = Annual Percentage Rate. Rates as of 10/1/23 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.

Powersports - New
Loan Term APR as low as
24 months 7.50% APR
36 months 7.50% APR
60 months 7.50% APR
84 months 7.75% APR

APR = Annual Percentage Rate. Rates as of 10/1/23 and subject to change at any time. Maximum repayment terms: up to 24 months if $1,000 and above. Up to 36 months if $3,000 and above. Up to 60 months is $5,000 and above.

Powersports - Used
Loan Term APR as low as
24 months 8.00% APR
36 months 8.00% APR
60 months 8.00% APR
84 months 8.25% APR

APR = Annual Percentage Rate. Rates as of 10/1/23 and subject to change at any time. Maximum repayment terms: up to 24 months if $1,000 and above. Up to 36 months if $3,000 and above. Up to 60 months is $5,000 and above.

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 10.49% APR
Personal Loan - 36 months 10.49% APR
Personal Loan - 48 months 10.49% APR
Personal Loan - 60 months 11.49% APR
Over $50,000 11.49% 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 6/24/22 and subject to change at any time.

Credit Cards
Credit Cards APR as low as
Visa Platinum 14.24% APR*
Visa Platinum Rewards 16.24% APR*

APR = Annual Percentage Rate. Advertised rates may vary based on creditworthiness. Rates as of 8/21/23.

*Variable rate product.The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a maximum rate as determined by law which is currently 18% APR

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%
Vacation Club - 0.03% 0.03%
Christmas Club - 0.05% 0.05%
Clown Club - 0.10% 0.10%
IRA Shares - 0.10% 0.10%

APY = Annual Percentage Yield. Rates as of 10/3/22 and subject to change at any time.

IMMA
Account Amount Rate APY
IMMA $1,000 - $2,499 0.10% 0.10%
- $2,499 - $4,999 0.15% 0.15%
- $5,000 - $24,999 0.15% 0.15%
- $25,000 - $49,999 0.25% 0.25%
- $50,000-$99,999 0.25% 0.25%
- $100,000+ 0.25% 0.25%

IMMA = Insured Money Management Account
APY = Annual Percentage Yield. Rates as of 10/3/22 and subject to change at any time.

IMMA Gold
Account Amount Rate APY
IMMA Gold $100,000 Minimum 0.50% 0.50%

IMMA = Insured Money Management Account
APY = Annual Percentage Yield. Rates as of 10/3/22 and subject to change at any time.

Regular Share & IRA Certificates
Term Rate APY
3 months 0.10% 0.10%
6 months 0.15% 0.15%
9 months 4.75% 4.85%
12 months 3.00% 3.04%
18 months 2.00% 2.02%
19 months 3.25% 3.30%
24 months 2.00% 2.02%
31 months 3.00% 3.04%
36 months 2.00% 2.02%
48 months 2.00% 2.02%
Level 2** 2.10% 2.12%
Level 1** 2.25% 2.27%
60 months 2.50% 2.53%
Level 2** 2.60% 2.63%
Level 1** 2.75% 2.78%

$500 minimum deposit. Rates as of 3/3/24 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects dividends paid monthly into the certificate. Early withdrawal penalties apply.

**Partnership Levels are based on use of Partners 1st products and services. Level 1 requires a personal checking account, loan with a balance, online account login within last 60 days, and direct deposit or payroll within last 60 days. Level 2 requires a personal checking account, loan with a balance.

Checking
Account Amount Rate APY
1st Start Checking - - -
1st Rewards Checking - - -
Classic 1st Checking - - -
Fresh Start Checking - - -
Premium 1st Checking* - 0.10% 0.10%
Business Checking $25,000 - $49,999.99 0.10% 0.10%
- $50,000 - $99,999.99 0.10% 0.10%
- $100,000+ 0.10% 0.10%
Health Savings Checking $0 - $999 0.05% 0.05%
- $1,000 - $2,499 0.05% 0.05%
- $2,500 - $9,999 0.05% 0.05%
- $10,000 - $24,999 0.10% 0.10%
- $25,000+ 0.10% 0.10%

*Fees may reduce earnings. Dividends on balances of $10,000 or more. APY = Annual Percentage Yield. Rates as of 10/3/22 and subject to change at any time.

JumpStart Term Savings
Term Rate APY
24 months 4.00% 4.07%

* JumpStart Term Savings is a 24-month Share Certificate. No starting deposit allowed. JumpStart Term Savings Annual Percentage Yield (APY) reflects dividends earned daily on that day's total balance, paid monthly into the certificate. Maximum $200 automatic weekly deposit. Minimum $5 monthly deposits. Upon maturity, certificate will renew as a standard 24-month term share certificate and the rate will reflect the current rate at that date. Early redemption penalty equals forfeiture of 180 days earnings. Your savings are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

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