Investment Accounts

At Partners Financial Credit Union we have a variety of savings and investment products that are focused on offering members savings benefits and security.

Share Certificates Money Market Accounts
IRA Share Accounts & Certificates

Share Certificates


A short term savings vehicle…and a no risk investment! All Share Certificates are issued at graduated rates with a minimum balance of $1,000.00.

Click here to view our current rates.

Terms Available*:6 Months
1 Year
2 Years
3 Years
5 Years
Levels Of Investment Available:$1,000.00-$9,999.99
$10,000.00 and up
Account Limitations:Up to two (2) withdrawals may be allowed withdrawals with a penalty. Amount of penalty is determined by the new balance of the certificate after the withdrawal.
6 Month to 1 year Share Certificates$100 – $250
Share Certificate Terms 2 Years or Greater$250 – $350

*Dividend rate increases with level and length of investment.

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Money Market Accounts


Click here to view our current rates.

Three (3) levels of investment available, inquire for rates (dividend rate increases with level of investment):$3,000.00-24,999.99
$75,000.00 and over
Dividend Information:Dividends are calculated on the average daily balance. There is a monthly credit of dividends. The rate is variable, with the potential frequency of monthly rate changes. There are no limitations during the life of the account.
Minimum Balances:Minimum month end balance of $3,000.00 must be maintained to avoid service fees and retain the annual percentage yield.
Account Limitations:If the Money Market account drops below $3,000.00 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: $39.00
Low balance fee: $15.00 per month

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IRA Share (Savings) Accounts

An IRA Savings Account is a tax-deferred retirement investment vehicle that grows savings over time while keeping deposited funds fairly liquid and free. Interest rates on these accounts are the same as the rate offered on share accounts. The two types of IRAs we offer are the Traditional IRA and the Roth IRA.

An IRA Savings Account could be useful if you are moving earnings out of another IRA investment, such as an IRA CD. By moving earnings from an IRA CD that has reached maturity into an IRA Savings Account, you can avoid paying taxes on earnings. If and when you decide to open an IRA Savings Account, make sure there are no fees associated with account management. Also, remember to assign a beneficiary to the account.

Traditional IRA

Traditional IRAs protect your dividends from taxes until they are withdrawn, as opposed to dividends from a non-IRA savings account that you must report to the IRS on a 1099-INT. Contributions up to a certain limit, which differs from year to year, are tax deductible in a Traditional IRA for the year in which they are made.

Roth IRA

Roth IRA contributions cannot be deducted, on the other hand. Withdrawals (or distributions) are what give the Roth an advantage, though, as you can take a tax-free distribution for any reason after 5 years from the date of your first contribution. There are even several exceptions to the 5-year period that allow for tax-free distributions, including reaching the age of 59½, becoming disabled, or making a first-time home purchase. Unlike the Traditional IRA, the Roth version does not require distributions based on age. The Roth IRA is probably most similar to a standard savings account after 5 years, as you are able to deposit and withdraw in a similar fashion.

For more information, contact Member Service at (804) 649-2957.

IRA Certificate

Many people who have either a Traditional IRA or a Roth IRA are looking for other safe ways to grow their retirement assets. One option that you don’t want to overlook is an IRA Certificate of Deposit.

IRA Certificates are a viable option for building your savings for retirement. But before you get started, it’s important to know the difference between the two types of retirement accounts:

  • Traditional IRA – the funds withdrawn are taxed depending on your income.
  • Roth IRA – the funds withdrawn usually are tax-free since you use after-tax dollars to open the account.

Both accounts have rules and restrictions you will want to discuss with your tax or retirement professional.

With IRA Certificates, you get the “best of both worlds” in a sense; the tax benefits of an IRA and the security of a Certificate of Deposit.

IRA Certificates offer:

  • Stability: In a world of fluctuating investment values, get stable earnings you can count on.
  • Flexibility: With a low initial deposit and terms to fit almost any need, you can choose the IRA Certificate that’s right for you.
  • Tax savings: Get the tax advantages of a Traditional or Roth IRA.

For more information, contact Member Service at (804) 649-2957.

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We Also Offer:

  • Savings Bond Redemption
  • Cashiers Checks
  • Free Notary Services

Contact us today for more information!

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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).