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.

Cars, Trucks, Motorcycles, and Vans

Loan Term

Rate (APR As low as)

2020 Model Year

-

36 months

2.99% APR*

48 months

2.99% APR*

60 months

2.99% APR*

66 months

3.24% APR*

72 months

3.24% APR*

84 months

4.35% APR

2019 Model Year

-

36 months

2.99% APR

48 months

2.99% APR

60 months

2.99% APR

66 months

3.24% APR

72 months

3.24% APR

84 months

4.35% APR

2018 Model Year

-

36 months

2.99% APR

48 months

2.99% APR

60 months

2.99% APR

66 months

3.24% APR

72 months

3.24% APR

84 months

4.35% APR

2017 Model Year

-

36 months

2.99% APR

48 months

2.99% APR

60 months

2.99% APR

66 months

3.24% APR

72 months

3.24% APR

84 months

4.35% APR

2016 Model Year

-

60 months

3.85% APR

66 months

3.85% APR

2015 Model Year

-

66 months

3.85% APR

2014 Model Year

-

60 months

4.59% APR

2013 Model Year

-

60 months

4.59% APR

APR = Annual Percentage Rate. Rates as of 1/29/20 and subject to change at any time. Standard loan underwriting guidelines apply. Minimum $25,000 loan amount required for 84-month term.

*2.99% APR and 3.24% APR are promotional rates and are available on 2017 model year and newer vehicles and subject to change. Floor rate of 2.99% APR applies only to 730+ Credit scores with a 60 month or less loan term. 3.24% APR applies only to 730+ Credit scores with a 66 or 72 month loan term. Standard rates apply for all other credit scores based on creditworthiness and loan term. Monthly payment example based on $16,000.00 loan at 2.99% APR with a 60 month term equals $287.43. First payment deferred up to 90-days available for qualified borrowers. Interest begins at loan disbursement.

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

9.99% APR

Personal Loan - 36 months

9.99% APR

Personal Loan - 48 months

9.99% APR

Personal Loan - 60 months

10.99% APR

Over $50,000

10.99% 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 2/15/19 and subject to change at any time.

Credit Cards

Credit Cards

APR as low as

Visa Platinum

8.99% APR

Visa Platinum Rewards

10.99% APR

Advertised rates may vary based on creditworthiness. Rates as of 3/21/20. 

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 (IMMA)

$1000 - $2,499

0.15%

0.15%

-

$2,499 - $4,999

0.20%

0.20%

-

$5,000 - $24,999

0.30%

0.30%

-

$25,000 - $49,999

0.40%

0.40%

-

$50,000-$99,999

0.50%

0.50%

IMMA Gold

$100,000 minimum

0.65%

0.65%

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 9/1/19 and subject to change at any time.

Regular Share & IRA Certificates

Term 

Rate

APY

3 months

0.07%

0.07%

6 months

0.10%

0.10%

9 months

0.15%

0.15%

12 months

0.20%

0.20%

16 months*

1.40%

1.40%

18 months

0.23%

0.23%

24 months

0.38%

0.38%

29 months*

1.65%

1.65%

36 months

0.57%

0.57%

48 months

0.72%

0.72%

Level 2

0.97%

1.14%

Level 1

1.22%

1.39%

60 months

0.96%

0.96%

Level 2

1.21%

1.38%

Level 1

1.46%

1.63%

$500 minimum deposit. Rates as of 3/9/20 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects dividends paid monthly into the certificate. Substantial penalty for early withdrawal.
*16- and 29-month special rates offered for a limited time only.

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

0.05%

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 9/1/19 and subject to change at any time. 

JumpStart Term Savings

Term

Rate

APY

24 months

2.00%

2.00%

* 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 days 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. Share Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.