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

2.19% APR*

48 months

2.19% APR*

60 months

2.19% APR*

66 months

2.49% APR*

72 months

2.49% APR*

84 months

4.35% APR

2019 Model Year

-

36 months

2.19% APR*

48 months

2.19% APR*

60 months

2.19% APR*

66 months

2.49% APR*

72 months

2.49% APR*

84 months

4.35% APR

2018 Model Year

-

36 months

2.19% APR*

48 months

2.19% APR*

60 months

2.19% APR*

66 months

2.49% APR*

72 months

2.49% APR*

84 months

4.35% APR

2017 Model Year

-

36 months

2.19% APR*

48 months

2.19% APR*

60 months

2.19% APR*

66 months

2.49% APR*

72 months

2.49% APR*

84 months

4.35% APR

2016 Model Year

-

60 months

3.45% APR

66 months

3.60% APR

2015 Model Year

-

66 months

3.60% APR

2014 Model Year

-

60 months

3.60% APR

2013 Model Year

-

60 months

3.60% APR

APR = Annual Percentage Rate. Rates as of 4/1/20 and subject to change at any time. Standard loan underwriting guidelines apply. Minimum $25,000 loan amount required for 84-month term.

*Promotional rate valid April 1, 2020 and is a limited time offer on 2017 model year and newer vehicles and subject to change. Floor rate 2.19% APR applies only to 730+ credit scores with a 60 month or less loan term. Standard rates apply for all other credit scores based on creditworthiness and loan term. Additional restrictions may apply. Standard underwriting guidelines apply. Monthly payment example based on $16,000.00 loan at 2.19% APR with a 60 month term equals $281.73. First payment deferred up to 90-days available for qualified borrowers. Interest begins at loan disbursement. APR= Annual Percentage Rate.

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

0.03%

0.03%

-

$500 - $4,999

0.03%

0.03%

-

$5,000 - $9,999

0.03%

0.03%

-

$10,000 - $19,999

0.03%

0.03%

-

$20,000+

0.03%

0.03%

Insured Money Management Account (IMMA)

$1000 - $2,499

0.05%

0.05%

-

$2,499 - $4,999

0.10%

0.10%

-

$5,000 - $24,999

0.20%

0.10%

-

$25,000 - $49,999

0.10%

0.10%

-

$50,000-$99,999

0.20%

0.20%

IMMA Gold

$100,000 minimum

0.35%

0.35%

Vacation Club

-

0.03%

0.03%

Christmas Club

-

0.03%

0.03%

Clown Club

-

0.05%

0.05%

IRA Shares

-

0.10%

0.10%

APY = Annual Percentage Yield. Rates as of 4/1/20 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

0.12%

0.12%

12 months

0.15%

0.15%

18 months

0.18%

0.18%

24 months

0.25%

0.25%

29 months*

.45%

.45%

36 months

0.35%

0.35%

48 months

0.45%

0.45%

Level 2

0.70%

0.70%

Level 1

0.95%

0.95%

60 months

0.55%

0.55%

Level 2

0.80%

0.80%

Level 1

1.05%

1.05%

$500 minimum deposit. Rates as of 4/1/20 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.
*29-month special rate 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*

-

0.05%

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

0.05%

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 4/1/20 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.