Account Rates

Ready to build a stronger foundation? Get started with one of our accounts.

Visit Us Contact Us

Whether you're eyeing the short-term or planning for the long haul, Power Financial Credit Union's savings and checking account rates can help you get where you're going.

Term	Eligible for IRA or SEP	Minimum Balance	Rate	Annual Percentage Yield (APY¹)
3-Month Certificate	No	$500	0.10	0.10
6-Month Certificate	No	$500	0.15	0.15
7-Month Certificate*	No	$2,500	3.99	4.06
9-Month Certificate	No	$500	0.20	0.20
11/11-Month Certificate**	Yes	$2,500	3.70	3.76
12-Month Certificate	Yes	$500	0.20	0.20
13-Month Certificate***	Yes	$2,500	3.85	3.92
14-Month Certificate****	Yes	$50,000/ New Money Only	4.87%	4.99%
15-Month Certificate	Yes	$500	0.25	0.25
18-Month Certificate	Yes	$500	0.25	0.25
24-Month Certificate	Yes	$500	0.35	0.35
36-Month Certificate	Yes	$500	0.55	0.55
48-Month Certificate	Yes	$500	0.70	0.70
60-Month Certificate	Yes	$500	0.75	0.75

¹Annual Percentage Yield assumes that interest and principal will remain on deposit until maturity. Penalties for early withdrawal may apply. Fees may reduce earnings.

*7-Month Certificate: Annual Percentage Yield (APY) is effective as of 5/03/2023 and is subject to change at any time and without notice. CD is automatically renewed for 6-month term. Minimum deposit is $2,500. Early withdrawal penalties may be imposed and the fee could reduce interest and principle for CDs. This is a limited-time promotion. This offer may be withdrawn at any time without prior notification.

**11/11-Month Certificate: APY = Annual Percentage Yield is effective as of 12/3/2024 and is subject to change at any time and without notice. CD is automatically renewed for 24-month term. Minimum deposit is $2,500. Early withdrawal penalties may be imposed, and the fee could reduce interest and principal for CDs. This is a limited-time promotion. This offer may be withdrawn at any time without prior notification. At the end of 11 months, the Credit Union may call the certificate or extend the certificate for an additional 11-month term at the same APY set forth on the initial 11-month term.

***13 Month Certificate: Annual Percentage Yield (APY) is effective as of 12/23/2022 and is subject to change at any time and without notice. CD is automatically renewed for 12-month term. Minimum deposit is $2,500. Early withdrawal penalties may be imposed, and the fee could reduce interest and principal for CDs. This is a limited-time promotion. This offer may be withdrawn at any time without prior notification.

****14-Month Certificate: Annual Percentage Yield (APY) is effective as of 6/9/2025 and is subject to change at any time and without notice. CD is automatically renewed for 12-month term. Minimum deposit is $50,000. New money only. New Money is defined as deposits and investments not previously held at Power Financial Credit Union or Power Investment Services. New Money is determined at PFCU’s discretion. Early withdrawal penalties may be imposed, and the fee could reduce interest and principal for CDs. This is a limited-time promotion.

Account Balance	Rate	Annual Percentage Yield (APY¹)
$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

¹APY= Annual Percentage Yield. Savings Account Rates are current as of 02/01/2024 and subject to change. $5 minimum opening balance required. Annual Percentage Yield of 0.05% is paid on Savings balances from $100-$9,999.99, 0.15% APY paid on balances from $10,000 to $49,999.99, 0.20% APY paid on balances from $50,000 to $99,999.99, 0.25% APY paid on balances greater than $100,000. Minimum balance of $100 to earn stated APY. Rates and terms subject to change without notice. Fees may reduce earnings.

Checking Account³ Type	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
Premier¹	$10,000	0.25	0.25
Cash Back Checking²	$20 to open $0 - $15,000 $15,000 and greater	5.82 0.15	6.00 0.15

¹Account is no longer being offered. Account must keep a daily minimum balance of $10,000 to earn interest and avoid $20.00 monthly fee. Fees may reduce earnings.

²Rates are current as of 04/10/2025 and subject to change. Cash Back Checking requires a $20 minimum opening balance. If requirements are met during program cycle: Annual Percentage Yield (APY) of 6.00% is paid on balances up to $15,000; 6.00% - 0.15% APY on balances of more than $15,000. If requirements are not met, APY is 0.00%. If requirements are met in program cycle, ATM surcharge fees of up to $3.50 per transaction with a maximum of $20 per program cycle will be refunded. Requirements for earning dividend and ATM surcharge fee refunds include: you must be enrolled in eStatements, conduct 12 Power Financial Credit Union VISA debit card transactions (ATM transaction excluded), and receive 1 direct deposit of at least $500 or 3 SecureLink Bill Pay transactions must post to your account 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. 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.

³APY= Annual Percentage Yield. Checking Account Rates are current as of 02/01/2024 and subject to change. $20 minimum opening balance required. Annual Percentage Yield is 0.00%. Rates and terms subject to change without notice. Fees may reduce earnings.

Money Market¹ Account Type	Account Balance	Rate	Annual Percentage Yield (APY)
MarketSure Money Market	$2,500 to $9,999.99	0.05	0.05
MarketSure Money Market	$10,000 to $24,999.99	0.05	0.05
MarketSure Money Market	$25,000 to $49,999.99	0.10	0.10
MarketSure Money Market	$50,000 to $99,999.99	0.20	0.20
MarketSure Money Market	Greater than $100,000	0.65	0.65

Account Type	Account Balance	Rate	Annual Percentage Yield (APY)
Gold Relationship³ Money Market	$2,500 to $9,999.99	0.10	0.10
Gold Relationship Money Market	$10,000 to $24,999.99	0.10	0.10
Gold Relationship Money Market	$25,000 to $49,999.99	0.15	0.15
Gold Relationship Money Market	$50,000 to $99,999.99	0.25	0.25
Gold Relationship Money Market	Greater than $100,000	0.70	0.70

Account Type	Account Balance	Rate	Annual Percentage Yield (APY)
Platinum Relationship³ Money Market	$2,500 to $9,999.99	0.15	0.15
Platinum Relationship Money Market	$10,000 to $24,999.99	0.15	0.15
Platinum Relationship Money Market	$25,000 to $49,999.99	0.20	0.20
Platinum Relationship Money Market	$50,000 to $99,999.99	0.30	0.30
Platinum Relationship Money Market	Greater than $100,000	0.75	0.75

Account Type	Account Balance	Rate	Annual Percentage Yield (APY)
Optimizer Investor Money Market²	$2,500	0.95	0.95

¹Balances below $2,500 in Money Market accounts do not earn dividends. Fees may reduce earnings.
²To qualify to open an Optimizer Investor Money Market, you must have $50,000 in investments with Power Investment Services.
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.

Account Balance	Rate	Annual Percentage Yield (APY ¹)
$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

¹Fees may reduce earnings.

Account Balance	Rate	Annual Percentage Yield (APY ¹)
$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

¹Fees may reduce earnings.

Power Financial Credit Union serves members across South Florida with 7 full-service branches and offers convenient account access from anywhere using its secure Online Banking and highly-rated Mobile App.