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 Partners Financial Federal Credit Union offers exceptional rates on certificates and money market accounts! NCUA insured up to $250,000.
You may qualify for a Loan Discount! Subtract ¼ % from the listed loan rate if you have the following:
- Two PFFCU loans within the last two years
- Minimum of $50,000 deposit balance over the last twelve months
NEW DISCOUNT! As a Member, you can also receive
an additional 0.25% OFF a consumer loan if you have any active PFFCU checking account in good standing with payroll direct deposit of at least 75%, and you are signed up for E-statements and/or have a PFFCU debit card. (If direct deposit is not available where you work, you might still qualify for this discount. Call us.) [Note: To qualify, loan payment must be set up by either payroll deduction or by periodic payment from another PFFCU account or by electronic transfer from another financial institution.]
Click below for our rates:
(Note: Your actual rate is based upon creditworthiness and credit history, but available rates are currently as low as what you see below. Rates subject to change without notice.)
Share Secured, Personal, Auto, Recreational |
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Type of Loan |
Time Period |
Platinum Rate |
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| Share Secured |
Adjusted monthly |
4% APR Above Share Rate* |
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| Personal (Signature) |
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6.65% APR** |
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New/Like New Auto Loans
(2009-2010) |
Up to 84 months,
$30,000 min
GAP Ins. required
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5.00% APR** |
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New/Like New Auto Loans
(2008-2010) |
Up to 36 months
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3.25% APR**
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New/Like New Auto Loans
(2008-2010) |
Up to 48 months |
3.75% APR** |
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New/Like New Auto Loans
(2008-2010) |
Up to 60 months |
4.00% APR** |
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New/Like New Auto Loans
(2008-2010) |
Up to 72 months,
$22,000 min |
4.75% APR** |
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Used Auto Loans (2003-2007) |
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| Used Auto Loans (2000-2002) |
Up to 36 months |
6.00% APR** |
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Recreational Loans
(2009-2010) |
Up to 120 months,
$30,000 min |
5.75% APR** |
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Recreational Loans
(2008-2010) |
Up to 84 months,
$30,000 min |
5.25% APR** |
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Recreational Loans
(2008-2010) |
Up to 72 months,
$22,000 min |
5.00% APR** |
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Recreational Loans (2008-2010) |
Up to 60 months |
4.50% APR** |
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Recreational Loans (2003-2007) |
Up to 60 months |
5.50% APR** |
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| Recreational Loans (2000-2002) |
Up to 36 months |
10.25% APR** |
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*The Annual Percentage Rate (APR) for CD Secured Loans will be the dividend rate paid by the certificate offered as security, plus 4%. The certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the plan. The APR is subject to change at the time of the renewal of the Certificate.
**The Annual Percentage Rate (APR), amount financed and loan term may vary depending upon your creditworthiness. Terms and amount loaned on vehicles is based on member's overall financial profile, collateral loan/value and credit history. Please ask a loan officer for detailed information. Maximum discounts do not apply to share secured and preferred line loans.
Rates subject to change without notice. GAP Insurance may be required on any of the above loans.
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Mortgage Loans, Mortgage Refinancing, Home Equity Loans and
Home Equity Lines are available
Please call 1.800.321.5617 - 804.649.2957 |
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- APR = annual percentage rate.
- Fixed rates are subject to change without notice. VISA card rate effective as of 10/09.
- All terms and loan amounts are at the discretion of our loan officers and credit committee. All credit subject to approval.
- VISA CARD disclosures listed below:
| APR for Purchases |
Other APRs |
Variable Rate Information |
Grace period for repayment of the balance for purchases |
Method of computing the balance for purchases |
Annual fees |
Minimum finance charge |
Transfer fee for purchases |
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| 8.85%-17.90% PLATINUM with rewards |
Cash Advances 8.85%-17.90% |
See below
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Minimum of 25 days from statement date |
Average daily balance, including new purchases |
None
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None |
None |
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| 8.85%-17.90% PLATINUM |
Cash Advances 8.85%-17.90% |
See below |
Minimum of 25 days from statement date |
Average daily balance, including new purchases |
None |
None |
None |
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Platinum with rewards APR is 1% higher than standard Platinum. Transaction fee for cash advances $NONE. Over the credit limit fee $25.00. Late payment fee $25.00. Return check fee $30.00. Card replacement fee $7.00. Document copy fee $3.00. A fee of 1% will be imposed on all foreign transactions, including purchases, cash withdrawals, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.
The information about the costs of the card described is accurate as of 10/09. This information may have changed after that date. To find out what may have changed, please call us at (804) 649-2957 or write us at P.O. Box 887, Glen Allen, VA 23060.
A VISA Credit Card will be issued in the name of the APPLICANT(S) ONLY.
The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria, and will be within the range disclosed above.
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Share Certificates |
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Investment Range |
Time Period |
Rate |
APY |
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| $250 |
1 yr Growth Certificate |
0.10 |
0.10 |
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| $1,000 - $9,999 |
6 months |
0.60 |
0.60 |
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| $1,000 - $9,999 |
1 year |
0.85
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0.85
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$1,000 - $9,999
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2 years
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1.00 |
1.00 |
| $1,000 - $9,999 |
3 years |
1.60 |
1.61 |
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| $1,000 - $9,999 |
5 years |
2.35
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2.38 |
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| $10,000 and up |
6 months |
0.65
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0.65
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| $10,000 and up |
1 year |
0.90
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0.90
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$10,000 and up
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2 years
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1.05 |
1.06 |
| $10,000 and up |
3 years |
1.65 |
1.66 |
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| $10,000 and up |
5 years |
2.40 |
2.43 |
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Account Limitations:
- Allowed up to two (2) withdrawls
- For Growth Certificates only: no more than two (2) open concurrently, no withdrawls and no automatic renewals
Early redemption penalty on Certificates up to 1 year (up to $9,999): $100
Early redemption penalty on Certificates up to 1 year ($10,000 & up): $250
Early redemption penalty on Certificate terms 1 year or greater (up to $9,999): $250
Early redemption penalty on Certificate terms 1 year or greater ($10,000 & up): $350
Rates subject to change without notice. |
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Money Market Accounts |
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Investment Range |
Rate |
APY |
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| $3,000 - $24,999 |
0.30 |
0.30 |
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| $25,000 - $74,999 |
0.40 |
0.40 |
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| $75,000 and over |
0.50
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0.50
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Dividend Information:
Dividends are calculated on the average daily balance; there will be a monthly crediting of dividends. The rate is variable, with the potential frequency for the rate changes being monthly. There are no limitations during the life of the account.
Minimum Balances:
Minimum daily balance of $3,000 must be maintained to avoid service fees and retain the annual percentage yield.
Account Limitations:
The following transfer limitations are regulated by Regulation D:
- No more than six (6) preauthorized automatic or telephone transfers. - Three (3) check withdrawals may be made per month and are included in the six (6) total withdrawals per month.
If the Money Market account drops below $3,000 more than once per quarter, the balance will be transferred to a regular share account and the Money Market account will be closed, unless specifically approved by the manager.
On joint accounts, either party may close the account.
Fees:
Overdraft fee: $25.00
Low balance fee: $5.00 per day that the balance is below $3,000
Rates subject to change without notice. |
Money Market Gold |
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Investment Range |
Rate |
APY |
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| Balance $75,000 and over |
0.50
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0.50
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Dividend Information:
Dividends are calculated on the average daily balance; there will be a monthly crediting of dividends. The rate is variable, and can change at any time. If the balance falls below the minimum requirement,interest will be earned at the regular share rate.
Minimum Balances:
Minimum daily balance of $75,000 must be maintained to retain the annual percentage yield.
Account Limitations:
The following transfer limitations are regulated by Regulation D:
- No more than two (2) preauthorized automatic or telephone transfers. - Check writing is not available for this account.
Fees:
Excessive withdrawal fee: $25.00
Overdraft fee: Not applicable
Low balance fee: None
Rates subject to change without notice. |
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