Partners Financial Has Limited-Time 9-Month CD Special, 3.00% APY


Deal Summary: 9-month Share Certificate Special, 3.00% APY, $10k min, ends May 31, 2019.

Availability: Residents of Chesterfield, Hanover, or Henrico Counties, or the City of Richmond, Virginia.

Now through May 31, 2019, Partners Financial Federal Credit Union (Partners Financial) has a 9-month Share Certificate Special earning 3.00% APY. The minimum opening deposit is $10k of new money, which is defined as funds not on deposit in an existing Partners Financial account. The fine print on the landing page states, “promotion may end early if limit is reached.” Given Partners Financial’s small size, it’s possible the deposit goal may be reached quickly for this limited-time offer.

Partners Financial’s Early Withdrawal Penalty (EWP) is structured differently than most EWPs. As stated in Truth In Savings disclosure, the EWP reads as follows:

After your account is opened you may make up two (2) withdrawals with a penalty. Amount of penalty is determined by the new balance of the certificate after the withdrawal.

We may impose a penalty if you withdraw any of the funds from your Share Certificate account before the maturity date.

  • Certificates up to 1 year (deposits up to $9,999) – $100 penalty
  • Certificates up to 1 year (deposits of $10,000 and up) – $250 penalty

Following the 10-day grace period, the 9-month Special will automatically renew as a 12-month Share Certificate at the then-current rate.

Thanks to DA reader, Carpline, for the Forum post on this limited-time special.


Headquartered in Glen Allen, Virginia, Partners Financial Federal Credit Union’s field of membership (FOM) is residency-based, with individuals who live, work, worship, attend school, or volunteer in the Virginia counties of Chesterfield, Hanover, or Henrico, or the City of Richmond eligible to join.

Immediate family members and household members of current Partners Financial members are welcome to apply.

Joining Partners Financial and/or opening a Share Certificate Special can be done at any of the four Virginia branches located in Chesterfield, Glen Allen, and Richmond (2). The Membership Application is available as a download and can be returned in-person to any branch, by mail or by fax.

A $5.00 deposit is necessary to open a basic share account. If you are
submitting via mail or fax, don’t forget to get your MIP Form notarized.

Partners Financial is a participating member of the CO-OP Shared Branch Network, providing its members with access to nearly 5,000 shared branch locations nationwide and more than 30,000 fee-free ATM locations.

Credit Union Overview

Partners Financial Federal Credit Union has an overall health grade of "B" at, with a Texas Ratio of 6.49% (excellent), based on December 31, 2018 data. Partners Financial has an average capitalization level (8.24%), the result of holding $77.59 million in assets with $6.39 million in equity. Please refer to our financial overview of Partners Financial Federal Credit Union (NCUA Charter # 12456) for more details.

Founded in 1958 as the Richmond Federal Employees’ Federal Credit Union, Credit Union’s original FOM was limited to federal government employees who worked in Richmond, Virginia. In 1989, the name was shortened a bit – Richmond Federal Credit Union – as a series of mergers with a disparate group of Virginia credit unions began. Between 1990 and 2009, mergers with six small credit unions and a change to a community charter in 2009 helped to form Partners Financial Federal Credit Union.

How the Share Certificate Special Compares

When compared to similar length-of-term CDs tracked by, requiring a minimum deposit of $10k or less and are available with the FOM, Partners Financial Federal Credit Union’s 9-month Share Certificate Special APY currently ranks first.

The above rates are accurate as of 5/13/2019.

To search for the best CD rates, either nationwide or state-specific, please refer to our CD Rates Table page.

Related Pages: Richmond CD rates, 1-year CD rates

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Field of membership includes those who live, work, worship, or attend school in Chesterfield County Virginia. Membership requires a minimum deposit of $5 into your share savings account.

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