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Partnership Financial Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Partnership Financial Credit Union's CD / IRA CD - 7 month rates are at 3.90%, CD / IRA CD - 11 month rates are at 3.75%, CD / IRA CD - 60 month rates are at 1.66%, CD / IRA CD - 48 month rates are at 1.56%, CD / IRA CD - 36 month rates are at 1.46%. Partnership Financial Credit Union's savings rates are at 1.61%. Partnership Financial Credit Union's checking rates are as high as 0.05%. Partnership Financial Credit Union's Auto Loan Rates are as low as 4.00%. Partnership Financial Credit Union's CD rates are 22% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Partnership Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.97%. Rates last updated and verified on 10/29/2026.
Partnership Financial 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 Partnership Financial Credit Union? Share your experience about Partnership Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Partnership Financial Credit Union.
Partnership Financial Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Partnership Financial Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.97%
ExcellentLower than avg
Partnership Financial Credit Union Texas Ratio
Partnership Financial Credit Union's Texas Ratio is 1.97%, which is considered excellent and is lower than the national average of 6.13%.
Partnership Financial Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.63% to 1.97% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Partnership Financial Credit Union CD Rates
Product
Rate
APY
Term
View More
Term Share / IRA Certificate - 7 month
3.83%
3.90%
7 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Term Share / IRA Certificate - 11 month
3.69%
3.75%
11 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Term Share / IRA Certificate - 60 month
1.65%
1.66%
60 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.66% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Term Share / IRA Certificate - 48 month
1.55%
1.56%
48 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.56% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Term Share / IRA Certificate - 36 month
1.45%
1.46%
36 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.46% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Term Share / IRA Certificate - 24 month
1.10%
1.11%
24 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.11% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Term Share / IRA Certificate - 12 month
1.00%
1.01%
12 Months
Min Deposit$1,000
DetailsRates effective 10/1/2025; six-month penalty may be imposed for early withdrawal
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Partnership Financial Credit Union Savings Rates
Product
Rate
APY
View More
Partner Plus High Yield Savings Account
1.60%
1.61%
Min Balance$5,000
DetailsQualifications Required: Active Checking Account; Active Bill Pay; Maximum balance $250,000; Dividends paid monthly on average daily balance; If average daily balance falls below $5,000, no dividends paid
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.61% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Holiday Club
1.00%
1.01%
Min Balance$5
DetailsBalance: $5.00 - $7,500.00; Maximum balance $7,500; Dividends declared & paid monthly; *Restrictions apply, contact a Member Service Representative
Last Updated10/29/2026
Rate History
No change since Sep 29, 2026 · 1.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Standard Savings Accounts/IRA Savings Account
0.35%
0.35%
Min Balance$5
DetailsDividend rates declared & paid at the end of the quarter
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Vacation & Summer Club Savings
0.35%
0.35%
DetailsDividend rates declared & paid at the end of the quarter
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Partnership Financial Credit Union Checking Rates
Product
Rate
APY
View More
Checking Plus
0.05%
0.05%
Min Balance$2,500
DetailsDividends paid monthly on average daily balance; If average daily balance falls below $2,500, no dividends paid
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Partnership Financial Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Adjustable Rate Line of Credit - 1/2 Under Prime
-
-
6.50%
DetailsPrime Rate=7.00%; Equity: 80%; Line of Credit Minimum: $100,000; Rate adjusts on the first day following the end of a quarter
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Home Equity Adjustable Rate Line of Credit - Prime
-
-
7.00%
DetailsPrime Rate=7.00%; Equity: 80%; Line of Credit Minimum: $75,000; Rate adjusts on the first day following the end of a quarter
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Home Equity Adjustable Rate Line of Credit - 1/2 Over Prime
-
-
7.50%
DetailsPrime Rate=7.00%; Equity: 80%; Line of Credit Minimum: $10,000; Rate adjusts on the first day following the end of a quarter
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Home Equity Fixed Rate Loan - 5 Years
-
-
8.50%
5 Years
DetailsAs Low As; For Well Qualified Borrowers
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Home Equity Fixed Rate Loan - 10 Years
-
-
8.75%
10 Years
DetailsAs Low As; For Well Qualified Borrowers
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Partnership Financial Credit Union Auto Loan Rates
No change since Oct 13, 2026 · 10.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Recreational Vehicle Loans - Water Vehicles (wave runners, etc.)
-
11.25%
Up to 36 months
DetailsPublished APR range: 11.25% - 18.00%. Model Years: 2019 and older
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Partnership Financial Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Extended Warranty Financing
-
-
8.50%
Up to 18 months
DetailsExtended warranties financed for borrowers with credit scores of 600 or above; applies when warranty is purchased after the vehicle loan is funded or not in conjunction with a vehicle loan. If purchased with the vehicle loan, rate matches the vehicle loan rate.
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.97%
Financial Health History
Partnership Financial Credit Union’s Texas Ratio stayed near 1.63% in Q3 2023 to 1.97% in Q2 2026, so its financial health has stayed very strong 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
$403M
1.97%
5.0
A+
March 31, 2026
$398M
2.04%
5.0
A+
December 31, 2025
$384M
1.77%
5.0
A+
September 30, 2025
$386M
1.48%
5.0
A+
June 30, 2025
$388M
1.47%
5.0
A+
March 31, 2025
$384M
1.20%
5.0
A+
December 31, 2024
$367M
1.65%
5.0
A+
September 30, 2024
$366M
1.76%
5.0
A+
June 30, 2024
$360M
1.53%
5.0
A+
March 31, 2024
$362M
1.66%
5.0
A+
December 31, 2023
$358M
1.88%
5.0
A+
September 30, 2023
$350M
1.63%
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 Partnership Financial 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 Partnership Financial 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 Partnership Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NamePartnership Financial Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,568,647
Total Uninsured Shares and Deposits > $250K (F+J)
16,568,647
Total Insured Shares and Deposits > $250K (item 17 less item K)
335,444,538
Total Interest Expense (Sum of items 6 8)
3,732,955
Share Certificates
2,221
Number of Accounts for Share Drafts
8,855
IRA KEOGH Accounts
241
Number of Accounts for Regular Shares
19,038
Net Income (unless the amount is already included in Undivided Earnings)
2,625,195
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)
1,745,918
Total Liabilities
354,500,573
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Partnership Financial 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Partnership Financial 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
0
Add Your Rating and Review for Partnership Financial Credit Union
Frequently Asked Questions About Partnership Financial Credit Union
Does Partnership Financial Credit Union offer CDs?
Yes. Partnership Financial Credit Union current CD rates include its CD / IRA CD - 7 month at 3.90% APY, its CD / IRA CD - 11 month at 3.75% APY and its CD / IRA CD - 60 month at 1.66% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Partnership Financial Credit Union NCUA insured?
Yes. Partnership Financial 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 Partnership Financial Credit Union?
The highest Partnership Financial Credit Union CD rate is its CD / IRA CD - 7 month at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Partnership Financial Credit Union offer?
Partnership Financial Credit Union CD rates are 3.90% APY for a 7 month CD, 3.75% APY for an 11 month CD, 1.01% APY for a 12 month CD, 1.11% APY for a 2 year CD, 1.46% APY for a 3 year CD, 1.56% APY for a 4 year CD and 1.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Partnership Financial Credit Union for its full lineup.
What is the highest savings rate at Partnership Financial Credit Union?
The highest Partnership Financial Credit Union savings rate is its Partner Plus High Yield Savings Account at 1.61% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Partnership Financial Credit Union?
The highest Partnership Financial Credit Union checking rate is its Checking Plus at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Partnership Financial Credit Union?
The lowest Partnership Financial Credit Union auto loan rate is its Complete Auto Loan at 4.00% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Partnership Financial Credit Union operate?
Partnership Financial 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 Partnership Financial Credit Union?
Yes, to access services at Partnership Financial 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, Partnership Financial 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, Partnership Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Partnership Financial Credit Union offer online and mobile banking?
Most modern institutions like Partnership Financial 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.mypfcu.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 Partnership Financial Credit Union rates compare?
Partnership Financial Credit Union's CD rates are 22% lower than the MonitorBankRates national average, and it has an A+ health rating. Partnership Financial Credit Union's top rates are its CD / IRA CD - 7 month at 3.90% APY, its Partner Plus High Yield Savings Account at 1.61% APY, its Checking Plus at 0.05% APY and its Complete Auto Loan at 4.00% APR, verified by MonitorBankRates on October 29, 2026.
Current Partnership Financial Credit Union Rates
12-Month CD1.01%
24-Month CD1.11%
60-Month CD1.66%
Savings1.61%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
