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

Jet Ski, Snowmobile, ATV - New & Used

Personal Loan & Line of Credit

Credit Cards

Savings

Regular Share & IRA Certificates

Checking

JumpStart Term Savings

Cars, Trucks, Motorcycles, and Vans
Loan Term Rate (APR As low as)
2021 Model Year -
36 months 2.19% APR*
48 months 2.19% APR*
60 months 2.19% APR*
66 months 2.39% APR*
72 months 2.69% APR*
84 months 3.99% APR
2020 Model Year -
36 months 2.19% APR*
48 months 2.19% APR*
60 months 2.19% APR*
66 months 2.39% APR*
72 months 2.69% APR*
84 months 3.99% APR
2019 Model Year -
36 months 2.19% APR*
48 months 2.19% APR*
60 months 2.19% APR*
66 months 2.39% APR*
72 months 2.69% APR*
84 months 3.99% APR
2018 Model Year -
36 months 2.19% APR*
48 months 2.19% APR*
60 months 2.19% APR*
66 months 2.39% APR*
72 months 2.69% APR*
84 months 3.99% APR
2017 Model Year -
60 months 2.19% APR
66 months 2.39% APR
2016 Model Year -
60 months 2.19% APR
66 months 2.39% APR
2015 Model Year -
60 months 3.35% APR
66 months 3.35% APR**
2014 Model Year -
60 months 3.35% APR
66 months 3.35% APR**

APR = Annual Percentage Rate. Rates as of 6/1/21 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.

*2.19% & 2.39% APR Promotional rate begins June 1, 2021 and is a limited time offer on 2016 model year and newer vehicles and subject to change. 2.69% 72 month promo rate applies to 2018 and newer. All above listed 2.19%, 2.39% and 2.69% promotional rates and loan terms apply only to 730+ credit scores. 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 7/30/20 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 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 5/13/20 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 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

APR = Annual Percentage Rate. 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 0.10% 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 0.05% 0.05%
6 months 0.08% 0.08%
9 months 0.10% 0.10%
12 months 0.10% 0.10%
18 months 0.10% 0.10%
24 months 0.10% 0.10%
29 months* 0.25% 0.25%
36 months 0.10% 0.10%
48 months 0.20% 0.20%
Level 2** 0.30% 0.30%
Level 1** 0.45% 0.45%
60 months 0.30% 0.30%
Level 2** 0.40% 0.40%
Level 1** 0.55% 0.55%

$500 minimum deposit. Rates as of 10/14/20 and subject to change at any time. Rates are fixed for the term. Annual Percentage Yield (APY) reflects dividends paid monthly into the certificate. Early withdrawal penalties apply.
*29-month special rate offered for a limited time only..

**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* - 0.05% 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% 2.01%

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

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