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

3.875%

3.9963%

1 Point

3.75%

3.9543% APR

Partners 1st 20 Year Fixed

-

-

0 Points

3.75%

3.9117% APR

1 Point 

3.50%

3.7817% APR

Partners 1st 15 Year Fixed

-

-

0 Points

3.375%

3.5882% APR

1 Point

3.00%

3.3576% APR

Partners 1st 5/5 ARM

2.875%

2.8641% APR

APR = Annual Percentage Rate. Rate and APR under first mortgage based on $100,000 loan amount. Available in Indiana, Ohio, Kentucky, Virginia, Maryland and West Virginia. Rates as of 10/28/19 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

4.25% APR

-

6 - 10 years

4.75% APR

-

11 - 15 years

5.25% APR

50.01% - 80% Loan-to-Value

Up to 5 years

4.75% APR

-

6 - 10 years

5.25% APR

-

11 - 15 years

5.75% APR

80.01% - 90% Loan-to-Value

Up to 5 years

6.25% APR

-

6 - 10 years

6.75% APR

-

11 - 15 years

7.25% APR

90.01% - 133% Loan-to-Value

Up to 5 years

7.25% APR

-

6 - 10 years

7.75% APR

-

11 - 15 years

8.25% APR

Minimum loan amount of $10,000. Maximum loan amount of $100,000. CLTV's 80.01-133% require a minimum credit score of 660. Available in Indiana, Kentucky, Ohio, Virginia, and Maryland. APR = Annual Percentage Rate. Rates as of 2/15/19 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

4.75% APR

50.01% - 80% Loan-to-Value

5.00% APR

80.01% - 90% Loan-to-Value

7.25% APR

90.01% - 100% Loan-to-Value

7.75% APR

APR = Annual Percentage Rate. CLTV's 80.01-100% require a minimum credit score of 680. Available in Indiana, Kentucky, Ohio, Virginia, West Virginia and Maryland. Rates as of 9/23/19 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 As low as)

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

5.39% APR

2016 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

5.39% APR

2015 Model Year

-

60 months

4.10% APR

66 months

4.64% APR

2014 Model Year

-

66 months

4.84% APR

2013 Model Year

-

60 months

5.04% APR

2012 Model Year

-

60 months

5.64% APR

APR = Annual Percentage Rate. Rates as of 6/1/19 and subject to change at any time. Normal loan underwriting guidelines apply. Minimum $25,000 loan amount required for 84-month term. 2.99% APR and 3.24% APR promotional rates may not be combined with other special offers (birthday discount, $100 cash back, etc.)

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

10.74% APR

Visa Platinum Rewards

12.74% APR

Advertised rates may vary based on creditworthiness. Rates as of 9/23/19. 

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*

1.90%

1.90%

18 months

0.23%

0.23%

24 months

0.38%

0.38%

29 months*

2.15%

2.15%

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 9/1/19 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.