☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Partners 1st Federal Credit Union

iAdvertiser Disclosure

Partners 1st Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Partners 1st Federal Credit Union?

Current rates for Partners 1st Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 2.02%, 24-Month CD: 2.02%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 3.65%

Q: What CD terms does Partners 1st Federal Credit Union offer?

Partners 1st Federal Credit Union CD rates are 3.75% APY for a 7 month CD, 4.00% APY for a 12 month CD, 2.02% APY for an 18 month CD, 3.25% APY for a 19 month CD, 2.02% APY for a 2 year CD, 3.55% APY for a 31 month CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Partners 1st Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Partners 1st Federal Credit Union's 12 Month Savings CD rates are at 4.00%, 7 Month Savings CD rates are at 3.75%, 31 Month Savings CD rates are at 3.55%, 19 Month Savings CD rates are at 3.25%, 12 Month Regular Share & IRA CDs rates are at 4.00%. Partners 1st Federal Credit Union's savings rates are at 0.05%. Partners 1st Federal Credit Union's money market rates are at 3.65%. Partners 1st Federal Credit Union's checking rates are as high as 0.10%. Partners 1st Federal Credit Union's Personal Loan Rates are as low as 10.49%. Partners 1st Federal Credit Union's Credit Card Rates are at 12.49%. Partners 1st Federal Credit Union's CD rates are 12% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Partners 1st Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.29%. Rates last updated and verified on 10/28/2026.

Partners 1st Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Partners 1st Federal Credit Union? Share your experience about Partners 1st Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Partners 1st Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.29%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Partners 1st Federal Credit Union
Partners 1st FCU, Br. 1

1330 Directors Row
Fort Wayne, IN 46808

https://www.partners1stcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Partners 1st Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Regular Share & IRA Certificates	3.93%	4.00%	12 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
12 Month Savings Certificate	-	4.00%	12 months
Min Deposit $500 Min Balance $500 Details Open For As Little As $500; No Monthly Fees; No Investment Fees; Dividends compounded daily and credited monthly; Penalties may be imposed for early withdrawals Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
7 Month Regular Share & IRA Certificates	3.69%	3.75%	7 months
Min Deposit $500 Details Promotional term; $500 minimum deposit Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
7 Month Savings Certificate	-	3.75%	7 months
Min Deposit $500 Min Balance $500 Details Open For As Little As $500; No Monthly Fees; No Investment Fees; Dividends compounded daily and credited monthly; Penalties may be imposed for early withdrawals Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
31 Month Regular Share & IRA Certificates	3.49%	3.55%	31 months
Min Deposit $500 Details Promotional term; $500 minimum deposit Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
31 Month Savings Certificate	-	3.55%	31 months
Min Deposit $500 Min Balance $500 Details Promotional term; Open For As Little As $500; No Monthly Fees; No Investment Fees; Dividends compounded daily and credited monthly; Penalties may be imposed for early withdrawals; Limited time offer Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
19 Month Regular Share & IRA Certificates	3.20%	3.25%	19 months
Min Deposit $500 Details Promotional term; $500 minimum deposit Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
19 Month Savings Certificate	-	3.25%	19 months
Min Deposit $500 Min Balance $500 Details Promotional term; Open For As Little As $500; No Monthly Fees; No Investment Fees; Dividends compounded daily and credited monthly; Penalties may be imposed for early withdrawals; Limited time offer Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
60 Month Regular Share & IRA Certificates	3.20%	3.25%	60 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
9 Month Regular Share & IRA Certificates	2.96%	3.00%	9 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
18 Month Regular Share & IRA Certificates	2.00%	2.02%	18 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
24 Month Regular Share & IRA Certificates	2.00%	2.02%	24 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
36 Month Regular Share & IRA Certificates	2.00%	2.02%	36 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
48 Month Regular Share & IRA Certificates	2.00%	2.02%	48 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
6 Month Regular Share & IRA Certificates	0.15%	0.15%	6 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
3 Month Regular Share & IRA Certificates	0.10%	0.10%	3 months
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Savings Rates

Product	Rate	APY
Clown Club	0.10%	0.10%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
IRA Shares	0.10%	0.10%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Christmas Club	0.05%	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Regular & Special Savings	0.05%	0.05%
Min Balance $200 Details Balance: $200 - $499 Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Regular & Special Savings	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $4,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Regular & Special Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Regular & Special Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Regular & Special Savings	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Vacation Club	0.03%	0.03%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000.00 and over; Dividends paid monthly; Rates as of 09/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Money Market Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Dividends paid monthly; Rates as of 09/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Money Market Account	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Dividends paid monthly; Rates as of 09/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $999.99; Dividends paid monthly; Rates as of 09/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	3.59%	3.65%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Money Market Account	2.75%	2.79%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.79% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Money Market Account	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 2.53% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Money Market Account	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Money Market Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Money Market Account	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premium 1st Checking	0.10%	0.10%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Business Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	7.00%	60 months
Details As Low As; Featured rate; For 60 months Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Cars, Trucks, Motorcycles, & Vans Loan	-	-	5.49%	36 months
Details As Low As; Model Year: 2026 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	5.49%	48 months
Details As Low As; Model Year: 2026 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	5.60%	60 months
Details As Low As; Model Year: 2026 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	5.99%	66 months
Details As Low As; Model Year: 2026 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	5.99%	72 months
Details As Low As; Model Year: 2026 Model Year; Minimum collateral value $15,000 required for 72-month term Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	6.49%	84 months
Details As Low As; Model Year: 2026 Model Year; Minimum collateral value $25,000 required for 84-month term Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	6.50%	60 months
Details As Low As; Model Year: 2022 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	6.50%	66 months
Details As Low As; Model Year: 2022 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	6.99%	60 months
Details As Low As; Model Year: 2019 Model Year & Older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	7.25%	72 months
Details As Low As; Model Year: 2022 Model Year Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Cars, Trucks, Motorcycles, & Vans Loan	-	-	7.49%	66 months
Details As Low As; Model Year: 2019 Model Year & Older Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats, Motor Homes, Travel Trailers & Campers Loan	-	6.50%	terms to 60 months
Details As Low As; Minimum Loan Amount: $5,000; Maximum repayment terms: up to 60 months if $5,000 and above; Rates as of 01/02/25 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - New Loan - 24 months	-	6.99%	24 months
Details As Low As; Rates as of 01/02/25 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. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - New Loan - 36 months	-	6.99%	36 months
Details As Low As; Rates as of 01/02/25 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. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - New Loan - 60 months	-	6.99%	60 months
Details As Low As; Rates as of 01/02/25 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. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
New Boats, Motor Homes, Travel Trailers & Campers Loan	-	7.00%	terms to 84 months
Details As Low As; Minimum Loan Amount: $7,000; Maximum repayment terms: up to 84 months if $7,000 and above; Rates as of 01/02/25 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - New Loan - 84 months	-	7.24%	84 months
Details As Low As; Rates as of 01/02/25 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. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Used Boats, Motor Homes, Travel Trailers & Campers Loan	-	7.25%	terms to 60 months
Details As Low As; Minimum Loan Amount: $5,000; Maximum repayment terms: up to 60 months if $5,000 and above; Rates as of 01/02/25 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - Used Loan	-	7.49%	24 months
Details As Low As; Rates as of 01/02/25; Up to 24 months if $1,000 and above; Up to 36 months if $3,000 and above; Up to 60 months if $5,000 and above Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - Used Loan	-	7.49%	36 months
Details As Low As; Rates as of 01/02/25; Up to 24 months if $1,000 and above; Up to 36 months if $3,000 and above; Up to 60 months if $5,000 and above Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - Used Loan	-	7.49%	60 months
Details As Low As; Rates as of 01/02/25; Up to 24 months if $1,000 and above; Up to 36 months if $3,000 and above; Up to 60 months if $5,000 and above Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
New Boats, Motor Homes, Travel Trailers & Campers Loan	-	7.50%	terms to 120 months
Details As Low As; Minimum Loan Amount: $15,000; Maximum repayment terms: up to 120 months if $15,000 and above; Rates as of 01/02/25 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Used Boats, Motor Homes, Travel Trailers & Campers Loan	-	7.50%	terms to 84 months
Details As Low As; Minimum Loan Amount: $7,000; Maximum repayment terms: up to 84 months if $7,000 and above; Rates as of 01/02/25 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Powersports - Used Loan	-	7.74%	84 months
Details As Low As; Rates as of 01/02/25; Up to 24 months if $1,000 and above; Up to 36 months if $3,000 and above; Up to 60 months if $5,000 and above Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Used Boats, Motor Homes, Travel Trailers & Campers Loan	-	8.00%	terms to 120 months
Details As Low As; Minimum Loan Amount: $15,000; Maximum repayment terms: up to 120 months if $15,000 and above; Rates as of 01/02/25 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	12.49%
Details As Low As; Variable rate product; APR = Annual Percentage Rate; Advertised rates may vary based on creditworthiness; Rates as of 2/21/26 Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 14.49% / low 12.49% Sep 20, 202612.49%▼ from 14.49% Sep 18, 202614.49%▲ from 12.49% Sep 12, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Visa Platinum Rewards	-	14.49%
Details As Low As; Variable rate product; APR = Annual Percentage Rate; Advertised rates may vary based on creditworthiness; Rates as of 2/21/26 Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 14.49% → 14.49% ▼ 0.00 pts · high 16.49% / low 14.49% Sep 20, 202614.49%▼ from 16.49% Sep 18, 202616.49%▲ from 14.49% Sep 12, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 24 months	10.49%	24 months
Details As Low As; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Personal Loan - 36 months	10.49%	36 months
Details As Low As; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Personal Loan - 48 months	10.49%	48 months
Details As Low As; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Personal Loan	11.49%
Details Over $50,000; As Low As; Loan amount over $50,000; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Personal Loan - 60 months	11.49%	60 months
Details As Low As; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Partners 1st Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Creditline Loan	-	-	13.25%
Details As Low As; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 13.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Creditline Premier Loan	-	-	11.50%
Details As Low As; Rates as of 6/24/22 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 11.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Health Savings Checking	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $999 Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Health Savings Checking	0.05%	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $2,499 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Health Savings Checking	0.05%	-	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Health Savings Checking	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
Health Savings Checking	0.10%	-	0.10%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%
JumpStart Term Savings	4.00%	-	4.07%	24 months
Details JumpStart Term Savings is a 24-month Share Certificate. No starting deposit allowed. Maximum $200 automatic weekly deposit. Minimum $5 monthly deposits. Early redemption penalty equals forfeiture of 180 days earnings. Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Partners 1st Federal Credit Union’s Texas Ratio rose from 4.40% in Q3 2023 to 5.29% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$546M	5.29%	5.0	A+
March 31, 2026	$548M	4.04%	5.0	A+
December 31, 2025	$532M	4.34%	5.0	A+
September 30, 2025	$529M	3.69%	5.0	A+
June 30, 2025	$531M	4.25%	5.0	A+
March 31, 2025	$540M	4.10%	5.0	A+
December 31, 2024	$537M	5.05%	5.0	A+
September 30, 2024	$544M	4.69%	5.0	A+
June 30, 2024	$565M	5.27%	5.0	A+
March 31, 2024	$580M	4.07%	5.0	A+
December 31, 2023	$571M	5.28%	5.0	A+
September 30, 2023	$593M	4.40%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Partners 1st Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Partners 1st Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Partners 1st Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Partners 1st Federal Credit Union

Website https://www.partners1stcu.org

Address 1330 Directors Row, Fort Wayne, IN 46808

Phone 260-471-8336

Fax 260-471-7643

President David Dent

CEO Clinton Miller

Full-Time Employees 169

Part-Time Employees 16

Branch Locations 14

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.29%

Return on Assets (ROA)

0.0916%

Return on Equity (ROE)

0.9339%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

545,832,945

Total Amount of Shares and Deposits

482,872,634

Total Shares and Deposits < 1 Year

406,943,720

Total Shares and Deposits 1 3 Years

73,333,859

Total Shares and Deposits > 3 Years

2,595,055

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

23,411,364

Total Uninsured Shares and Deposits > $250K (F+J)

23,411,364

Total Insured Shares and Deposits > $250K (item 17 less item K)

459,461,270

Total Interest Expense (Sum of items 6 8)

2,860,901

Share Certificates

5,355

Number of Accounts for Share Drafts

24,337

IRA KEOGH Accounts

925

Number of Accounts for Regular Shares

54,464

All other shares

460

Money Market Shares

1,077

Net Income (unless the amount is already included in Undivided Earnings)

499,939

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,153,908

Total Liabilities

492,470,915

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Partners 1st Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/partners-1st-federal-credit-union-rates-review-7688">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Partners 1st Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Partners 1st Federal Credit Union

Frequently Asked Questions About Partners 1st Federal Credit Union

Does Partners 1st Federal Credit Union offer CDs?

Yes. Partners 1st Federal Credit Union current CD rates include its 12 Month Savings CD at 4.00% APY, its 12 Month Regular Share & IRA CDs at 4.00% APY and its 7 Month Savings CD at 3.75% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Partners 1st Federal Credit Union NCUA insured?

Yes. Partners 1st Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Partners 1st Federal Credit Union?

The highest Partners 1st Federal Credit Union CD rate is its 12 Month Regular Share & IRA CDs at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Partners 1st Federal Credit Union offer?

Partners 1st Federal Credit Union CD rates are 3.75% APY for a 7 month CD, 4.00% APY for a 12 month CD, 2.02% APY for an 18 month CD, 3.25% APY for a 19 month CD, 2.02% APY for a 2 year CD, 3.55% APY for a 31 month CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Partners 1st Federal Credit Union for its full lineup.

What is the highest savings rate at Partners 1st Federal Credit Union?

The highest Partners 1st Federal Credit Union savings rate is its Regular & Special Savings at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Partners 1st Federal Credit Union?

The highest Partners 1st Federal Credit Union money market rate is its Business Money Market Account at 3.65% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Partners 1st Federal Credit Union?

The highest Partners 1st Federal Credit Union checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Partners 1st Federal Credit Union?

The lowest Partners 1st Federal Credit Union auto loan rate is its Cars, Trucks, Motorcycles, & Vans Loan at 5.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Partners 1st Federal Credit Union?

The lowest Partners 1st Federal Credit Union personal loan rate is its Personal Loan - 24 months at 10.49% APR, verified by MonitorBankRates as of October 28, 2026. Partners 1st Federal Credit Union personal loan rates are 10.49% APR for a 24 month personal loan, 10.49% APR for a 36 month personal loan, 10.49% APR for a 48 month personal loan and 11.49% APR for a 60 month personal loan.

What is the lowest credit card APR at Partners 1st Federal Credit Union?

The lowest Partners 1st Federal Credit Union credit card APR is its Visa Platinum Credit Card at 12.49% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Partners 1st Federal Credit Union operate?

Partners 1st Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Partners 1st Federal Credit Union?

Yes, to access services at Partners 1st Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Partners 1st Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Partners 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Partners 1st Federal Credit Union offer online and mobile banking?

Most modern institutions like Partners 1st Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.partners1stcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Partners 1st Federal Credit Union rates compare?

Partners 1st Federal Credit Union's CD rates are 12% lower than the MonitorBankRates national average, and it has an A+ health rating. Partners 1st Federal Credit Union's top rates are its 12 Month Regular Share & IRA CDs at 4.00% APY, its Regular & Special Savings at 0.05% APY, its Business Money Market Account at 3.65% APY, its Business Checking at 0.10% APY, its Personal Loan - 24 months at 10.49% APR and its Visa Platinum Credit Card at 12.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Partners 1st Federal Credit Union Rates

12-Month CD4.00%
18-Month CD2.02%
24-Month CD2.02%
60-Month CD3.25%
Savings0.05%
MMA3.65%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Partners 1st Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Partners 1st Federal Credit Union Texas Ratio

Partners 1st Federal Credit Union Health Trend

Partners 1st Federal Credit Union CD Rates

Partners 1st Federal Credit Union Savings Rates

Partners 1st Federal Credit Union Money Market Rates

Partners 1st Federal Credit Union Business Money Market Rates

Partners 1st Federal Credit Union Checking Rates

Partners 1st Federal Credit Union Business Checking Rates

Partners 1st Federal Credit Union Home Equity & HELOC

Partners 1st Federal Credit Union Auto Loan Rates

Partners 1st Federal Credit Union RV, Boat and Powersport Loan Rates

Partners 1st Federal Credit Union Credit Card Rates

Partners 1st Federal Credit Union Personal Loan Rates

Partners 1st Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Partners 1st Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Partners 1st Federal Credit Union

Does Partners 1st Federal Credit Union offer CDs?

Are CDs from Partners 1st Federal Credit Union NCUA insured?

What is the highest CD rate at Partners 1st Federal Credit Union?

What CD terms does Partners 1st Federal Credit Union offer?

What is the highest savings rate at Partners 1st Federal Credit Union?

What is the highest money market rate at Partners 1st Federal Credit Union?

What is the highest checking rate at Partners 1st Federal Credit Union?

What is the lowest auto loan rate at Partners 1st Federal Credit Union?

What is the lowest personal loan rate at Partners 1st Federal Credit Union?

What is the lowest credit card APR at Partners 1st Federal Credit Union?

How many branches does Partners 1st Federal Credit Union operate?

Is a member application needed to join Partners 1st Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Partners 1st Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Partners 1st Federal Credit Union rates compare?

Current Partners 1st Federal Credit Union Rates

Compare to Other Credit Unions