Account Rates

Rates current as of 5-17-13

Certificates | Savings & Club Accounts | Checking | Money Market | IRA | Health Savings Accounts (HSA)

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Certificates of Deposit
Term	Eligible for IRA or SEP	Minimum Balance	Rate	Annual Percentage Yield (APY)
3 Month Certificate	No	$500	0.15	0.15
6 Month Certificate	No	$500	0.25	0.25
9 Month Certificate	No	$500	0.30	0.30
12 Month Certificate	Yes	$500	0.35	0.35
12 Month Certificate - Variable	Yes	$500	0.35	0.35
15 Month Certificate	Yes	$500	0.40	0.40
18 Month Certificate	Yes	$500	0.40	0.40
24 Month Certificate	Yes	$500	0.55	0.55
36 Month Certificate	Yes	$500	0.60	0.60
48 Month Certificate	Yes	$500	0.75	0.75
60 Month Certificate	Yes	$500	0.90	0.90

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Savings/Club (Holiday, Vacation, Rainy Day, Rocky Raccoon)
Account Balance	Rate	Annual Percentage Yield (APY)
$0 to $99.99	0.00	0.00
$100 to $9,999.99	0.05	0.05
$10,000 to $49,999.99	0.15	0.15
$50,000 to $99,999.99	0.20	0.20
Greater than $100,000	0.25	0.25

Checking3
	Minimum Balance	Rate	Annual Percentage Yield (APY)
Regular Checking	$20 to open	0.00	0.00
Business Checking	$20 to open	0.00	0.00
Cha-Ching Teen Checking	$20 to open	0.00	0.00
Premier Checking1	$10,000	0.25	0.25
Cash Back Checking2	$20 to open	0.75	0.75
1Account must keep a daily minimum balance of $10,000 to earn interest and avoid $17.50 monthly fee. 2Cash Back Checking requires a $20 opening balance; no minimum balance thereafter. If requirements are met during program cycle, Annual Percentage Yield (APY) of 0.75% is paid up to $15,000; on any balance above $15,000, 0.15% APY is paid. If requirements are not met, the APY is 0.00%. If requirements are met in program cycle, ATM surcharge fees of up to $2 per transaction with a maximum of $20 per program cycle will be refunded. Requirements for earning dividend and ATM surcharge fee refunds include: 12 or more Power Financial Credit Union VISA debit card transactions (ATM transactions excluded), 3 SecureLink Bill Pay transactions and accept SecureLink eStatements per program cycle. There is a $4.95 fee if SecureLink Bill Pay is not used to pay at least one bill in a program cycle. Fees may reduce earnings. Membership required; $5 membership deposit. Membership open to all residents of Miami-Dade, Broward & Palm Beach Counties as well as the Florida Keys in Monroe County. Membership is also open to family of current members. Cash Back Checking is limited to one per member. Business/Association accounts are not eligible. Rates and terms subject to change without notice. Other conditions may apply. Cannot be combined with any other offer. 3Relationship levels are assigned for the following month based on the average daily balance of the aggregate amount of savings and/or checking balances for the current month excluding money market, share certificate, IRA and HSA balances.

Money Market
	Account Balance	Rate	Annual Percentage Yield (APY)
MarketSure Money Market1	$2,500 to $9,999.99	0.05	0.05
	$10,000 to $24,999.99	0.05	0.05
	$25,000 to $49,999.99	0.15	0.15
	$50,000 to $99,999.99	0.20	0.20
	Greater than $100,000	0.30	0.30
	Account Balance	Rate	Annual Percentage Yield (APY)
Relationship Money Market2	$2,500 to $9,999.99	0.05	0.05
	$10,000 to $24,999.99	0.15	0.15
	$25,000 to $49,999.99	0.20	0.20
	$50,000 to $99,999.99	0.25	0.25
	Greater than $100,000	0.30	0.30
	Minimum Balance	Rate	Annual Percentage Yield (APY)
Optimizer Investor Money Market3	$2,500	0.40	0.40
1Balances below $2,500 in the MarketSure Money Market account do not earn dividends. 2The Relationship Money Market Account requires a certificate of deposit (CD) of 12 months or greater with a balance of $10,000 or more OR a checking account and an aggregate loan balance of $5000. Balances below $2,500 in the Relationship Money Market account do not earn dividends. Relationship money market account will revert back to MarketSure Money Market account if relationship criteria mentioned above is not maintained. 3To qualify to open an Optimizer Investor Money Market, you must have $50,000 in investments with Power Investment Services.

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IRA Savings (Traditional, Roth, Educational & SEP)
Account Balance	Rate	Annual Percentage Yield (APY)
$0 to $99.99	0.00	0.00
$100 to $9,999.99	0.15	0.15
$10,000 to $49,999.99	0.20	0.20
$50,000 to $99,999.99	0.35	0.35
$100,000 and greater	0.35	0.35

Health Savings Account (HSA)
Account Balance	Rate	Annual Percentage Yield (APY)
$0 to $99.99	0.00	0.00
$100 to $9,999.99	1.01	1.02
$10,000 to $49,999.99	1.01	1.02
$50,000 to $99,999.99	1.01	1.02
$100,000 and greater	1.01	1.02