Investment Account Rates

Whether you’re looking for a certificate or a money market account, we’ve got you covered with great rates, flexible terms, and your trusted, local team to set you off to a great start.

Share Certificates Money Market Accounts

Benefits of opening an Investment Account with Partners Financial

✔ Great Rates

We offer competitive rates to help you reach your financial goals faster.

✔ Flexible Terms

Whether you have a chunk of money you can leave untouched for some time or need more access to your funds, we’ve got an option for you.

✔ Federally Insured

Your deposits with Partners Financial FCU are insured by NCUA (National Credit Union Administration) for up to $250,000 so you don’t have to worry about the markets.

✔ Personalized Local Service

With four branches throughout the Richmond area, we’re here to provide great rates so you can reach your financial goals faster.

Share Certificate Rates

Whether you’re saving for a down payment on a house, a new car, or retirement, our high-yield certificates can help you reach your goals sooner. We offer competitive rates with terms that range from six months to five years.


Share Certificate Rates Effective October 1, 2023

Investment RangeTime PeriodRateAPY*
$1,000 and up6 months2.2302.250
$1,000 and up1 year3.7503.820
$1,000 and up2 years3.8403.910
$1,000 and up3 years3.8903.960
$1,000 and up5 years4.2304.310
*APY = Annual Percentage Yield

Account Limitations:
– Allowed up to two (2) withdrawals
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. Fees may reduce earnings.

Money Market Rates

Earn higher interest rates than with a regular savings account and make withdrawals at any time. Money market accounts earn higher interest on higher balances, so the more you deposit in your account, the better your money market rates will be.


Money Market Rates Effective October 1, 2023

Investment RangeRateAPY*
$3,000 – $24,9990.5000.500
$25,000 – $74,9991.0001.000
$75,000 and over1.5001.500
*APY = Annual Percentage Yield

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:
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.
Overdraft fee: $30.00
Excessive withdrawal fee: $25.00
Low balance fee: $15.00 per month when balance is below $3,000.
Rates subject to change without notice. Fees may reduce earnings.



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A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).