Curve Effect

Personal Banking

CDs, IRAs & CESA

With our history of helping families achieve their financial goals,
Partners Bank offers a full range of savings plans designed to help you save regularly and build financial security. Since we are a savings bank, our deposit service professionals will work with you to establish an ongoing recurring savings plan that best suits your unique objectives. Our products give you safety, guaranteed yields, no risk and easy access.

Please select an account below for more information:

This great product gives our customers the ability to choose to bump up their rate to Partners CD available in the same term rate.

Here’s how it works:

If Partners advertises the same CD term with a higher rate, you have the option of a one-time bump-up to the current rate.
You decide when you want to exercise your bump-up and come into an Partners office to bump-up to the higher rate.

Your choice. Your pick. Your timing.

Remember, you must ask us to bump-up your CD rate, we will not automatically increase your rate. Limit of one rate increase per Bump-Up CD Term. Not available to IRAs.

To open a Bump-Up CD, go to your local Partners branch or call us at 1-888-226-5747

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*”Bump-up” CD allows a one-time rate adjustment during the term to a higher Partners posted CD rate of the same term for the remainder of the term. Penalty may be assessed for early withdrawal. Fees and withdrawals could reduce earnings on accounts.

Does the stock market make you queasy? The market’s ups and downs can give you an unsettled feeling. Partners Bank can offer you a smoother ride with great rates on CD accounts.

  • Low $500 minimum deposit to open
  • $500 minimum balance to earn interest
  • Terms available from 91 days to 10 years
  • Fixed interest rate for term of CD
  • Automatic renewal
  • A penalty may be imposed on withdrawal of principal before maturity
  • Fees may reduce earnings on this account

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Transaction limitations – After the account is opened, you may not make deposits into or withdrawals of principal from CD accounts until the maturity date. Withdrawal of interest is allowed.

Our IRA Savings account is ideal to accumulate your regular IRA contributions and permits you to transfer to an IRA CD penalty free at your discretion. Enjoy easy access as your account balance grows without a term commitment. Available for Traditional, Roth, SEP or Coverdell Education Savings Accounts (CESA)

  • $25 minimum deposit to open
  • $25 minimum balance to earn interest
  • Variable rate interest, subject to change without notice
  • Monthly compounded interest is credited to your account on the last business day of each month
  • Monthly statement
  • Minimum withdrawal amount is $500; unless required minimum distributions @ ages greater than 70.5
  • Fees may reduce earnings on this account
  • Controlled transactions provide ease of tracking deposits, withdrawals, and interest earned.

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  • $500 minimum deposit to open
  • $500 minimum balance to earn interest
  • Compounded monthly interest is credited to account on the last business day of each month
  • Terms available from 91 days to 10 years
  • Automatic renewal at maturity
  • A penalty may be imposed for withdrawal of principal before maturity
  • The penalty is waived for the following reasons:
    1. You are totally disabled (a written statement from physician is required)
    2. Your withdrawal is a pre-authorized periodic distribution under the terms of your Partners Retirement Plan
    3. Death of the IRA holder
    4. If over 70.5, the withdrawal satisfies your Required Minimum Distribution (any excess over the RMD is subject to penalty)
  •  Fees may reduce earnings on this account

Transaction Limitations – You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date.

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A Roth IRA is a non-deductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period.

  • $500 minimum deposit to open
  • $500 minimum balance to earn interest
  • Compounded monthly interest is credited to account on the last business day of each month
  • Automatic renewal at maturity
  • A penalty may be imposed for withdrawal of principal before maturity
  • The penalty is waived for the following reasons:
    1. You are totally disabled (a written statement from physician is required)
    2. Your withdrawal is a pre-authorized periodic distribution under the terms of your Partners Retirement Plan
    3. Death of the IRA holder
  •  Fees may reduce earnings on this account

Transaction Limitations – You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date.

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This plan is a retirement plan established by an employer. Any employer, whether a corporation, partnership, or a self-employed individual, may establish a SEP even if there are no other employees.

  • $500 minimum deposit to open
  • $500 minimum balance to earn interest
  • Compounded monthly interest is credited to account on the last business day of each month
  • Automatic renewal at maturity
  • A penalty may be imposed for withdrawal of principal before maturity
  • The penalty is waived for the following reasons:
    1. You are totally disabled (a written statement from physician is required)
    2. Your withdrawal is a pre-authorized periodic distribution under the terms of your Partners Retirement Plan
    3. Death of the IRA holder
    4. If over 70.5, the withdrawal satisfies your Required Minimum Distribution (any excess over the RMD is subject to penalty)
  •  Fees may reduce earnings of this account

Transaction Limitations – You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date.

Check Rates

  • $500 minimum deposit to open
  • $500 minimum balance to earn interest
  • Compounded monthly interest is credited to account on the last business day of each month
  • Automatic renewal at maturity
  • A penalty may be imposed for withdrawal of principal before maturity
  • Fees may reduce earnings on this account

Transaction Limitations – You may not make deposits into your account. You may not make withdrawals of principal from your account until the maturity date.

Check Rates