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Buying Your First Car? No Credit? No Problem!

Our First-Time Auto Buyer Program makes it easier than ever to qualify for a loan - even if you don't have any credit history.

Learn More: Buying Your First Car? No Credit? No Problem!

Products

Cash Back Checking

Earn 6.00% APY* on balances up to $15,000.

First Time Home Buyers

No down payment or private mortgage insurance (PMI) required.

CD Special Offers

Earn up to 4.99% APY and reach your savings goals faster.

View Rates

We empower you with personalized banking solutions and a superior experience.

Our team will guide you on your financial journey and help turn your goals into reality, faster.

For Personal For Business

What makes Power Financial Credit Union different?

Always Putting You First

Our members are family and we have a passion for serving you.

Member-Owned

Being an owner, not just a customer, gives you many exclusive benefits.

Big Savings

No overdraft or NSF fees, great rates and member-only discounts.

Community Focused

We are dedicated to giving back to the South Florida community.

Federally Insured

Insured by NCUA- providing the same benefits as FDIC insurance.

Bank Anywhere

24/7 secure access with our highly-rated mobile app and online banking.

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Montana Family

There for Us Every Step of the Way

"It’s been a journey. Through it all Power Financial Credit Union has been there for us every step of the way making life so much easier."

Bill

Quick and Simple Auto Loan Process

"I was not looking forward to the negotiating and jumping through hoops that is normally a part of buying a car. So thank you for eliminating all that and getting me a great price to boot. The process was so quick and simple for me. The dealership had everything ready and it was a pleasure for a change. I am so glad my Credit Union offered this services as a benefit. Thank you again for making this a great experience."

Kathleen

Beyond Expectations

"I have never had a complaint or problem in 28 years of being a member. Always go beyond what is expected."

Neil

Everyone Knows Me

"People don’t get to know people anymore. I love coming to this place. Everyone knows me. You just don’t see that anymore!"

Rebecca

Why Would You Bank Anywhere Else?

"After I was told that there may have been some fraudulent charges made with my Debit card, I was shaken and confused as to how this could have happened. I spoke to a PFCU representative that spent an extraordinary amount of time listening to my recount of the day and offered me information which ultimately helped me discover how my wallet was stolen. I just had to let you know what a terrific customer service person she is. Not what most people expect and get from financial institutions. As I have told this story over and over, everyone asks me, “What bank do you use?” because it was so incredible that this was brought to my attention so quickly. Why would anybody want to bank anywhere else?"

Life is full of big decisions. From buying a car to retirement, we’re here to support you and make those moments a little less stressful.

Going to College

Buying a car

Getting married

Retiring

Funding Your Next Project
Explore All: Here to help you navigate life's events

Knowledge is Power

Resources to help you increase your financial know-how.

News

PFCU Voted Best Credit Union in Miami-Dade...Again!

Personal Accounts

How to Switch From a Bank to a Credit Union

Planning & Budgeting

Your Guide to Smart Credit Management in 2025
More Knowledge

Putting members first since 1951.

Become part of the family.
 

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