Quick Pay My Loan

Partners 1st understands your life is happening, and it's happening now. We're committed to ensuring you're able to get what you want or need to help make your life better. Whether you're borrowing for college or for your next dream vacation, applying for a loan has never been easier, as our loan officers will be in your corner, helping to find you the best rates available with less paperwork and less hassle.

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Auto Loans

Get where you need to go, in the car that can take you there. With low rates and flexible term options, borrowing for a new car or refinancing to reduce loan payments is easier than ever with Partners 1st Federal Credit Union.

With incredibly competitive current rates and flexible financing options with terms up to 84 months, Partners 1st is ready to help get you on the road. Reach out today to let us help find the best financing options to fit your needs.

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Buy a home
Home Equity Line of Credit (HELOC)

As a homeowner, you're accumulating borrowing power. That's power to have a bit of financial freedom. Whether you want money to pay off debts for home improvements, educational expenses or just about anything else, our interest only home equity line of credit lets you use your home's equity any way you want, as it's more flexible than a typical home equity loan!

As the equity in your home grows, you can borrow against the equity of your home to make your dream a reality with a home equity line of credit with great rates from Partners 1st. The application process is simple, and you can rest easy knowing the staff at Partners 1st is behind you every step of the way.

The possibilities with a Partners 1st home equity line of credit are endless:

  • Finance home improvements
  • Consolidate bills
  • Take a vacation
  • Fund college

The home equity loan program may be tax deductible and we offer convenient repayment options to fit your lifestyle.*

  • Borrow up to 80% of your home's equity, minus any first mortgage balance, up to $100,000, and repay over 15 years.
  • A Visa card and checks will be issued for easy access.

The possibilities with a Partners 1st home equity line of credit are endless:

  • Finance home improvements
  • Consolidate bills
  • Take a vacation
  • Fund college
Regular Special Savings
Home Equity

With a home equity loan, you have the power to attain your goals. A home equity loan through Partners 1st allows you to borrow wisely by leveraging your home to finance your goals. Best if you know how much money you need to borrow and prefer fixed payments, home equity loans allow you to build a strong financial future. By going with Partners 1st, you know you're siding with a team of professionals who always have your best interests in mind.

The home equity loan program may be tax deductible and finally, Partners 1st offers convenient repayment options to fit your lifestyle.

  • Offering 5-year, 10-year, and 15-year repayment options.
  • Borrow up to 133% of your home's equity, minus any first mortgage balance, up to $100,000.
  • Best of all, you pay no points!
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Home Improvement

Home improvement loans through Partners 1st are an excellent way to finance your home improvement projects. Rather than putting it all on a credit card, where rates are much higher, take out a home improvement loan, which has tax deductible interest for most borrowers.

Make your current house the home of your dreams with so many great benefits, including:

  • Borrow up to 133% of your home's value (Secured)
  • Must be used for Home Improvement Only
  • Unsecured loan options ($7500/10 Year Amortization)
  • Secured loan options (up to $100,000/15 Year Amortization)
  • Eligible owner occupied property types: Single Family Detached, Townhouse, Condominium
  • Work order and/or materials list required

For more information and to get one step closer to finishing that home improvement project, contact us at mortgage@partners1stcu.org or call 260-471-8336 or 800-728-8943.

*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.

Credit Cards
Student Loans

Student Loans through Partners 1st offer everything you may need throughout your college experience. Below are a few of the available options to members.

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  • Loan
    The Smart Option Student Loan through Sallie Mae®
    More flexibility, with multiple in-school repayment options with competitive fixed and variable interest rates; no origination fees and no prepayment penalty; rewards and interest rate deductions available; rates that reward creditworthy borrowers (applying with a creditworthy cosigner may help you qualify); 100% US-based Student Loan Specialists > Apply Today
  • Accounting
    Student Checking Accounts
    Partners 1st checking accounts are specifically designed for you, with great benefits such as: FREE Access Visa Debit Card for 24-hour access to your account, access to over 30,000 surcharge-free ATMs, and FREE box of checks > Open an Account
  • Scholarship
    Charles M. Cook Scholarship
    Each year, Partners 1st awards scholarships in time for fall enrollment to members to help offset the cost of higher education. The Charles M. Cook Scholarship program was designed for qualified individuals who are in pursuit of educational advancement. > Download Application
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Loan Insurance and Debt Protection

For a few extra dollars a month, loan insurance and debt protection can help you make your loan payments should the unthinkable happen to you or your family. Below is a quick guide to loan insurance and debt protection through Partners 1st.