Sign Up for Our Newsletter:
Email: (required)

Are You a Member? (required)

Product

First Name(required)

Last Name(required)



Personal

Menu 

Account Rates

Why go anywhere else when you can find the best products, great rates, and awesome personal service right here!

Specially created products just for you!

Rates current as of 01-10-2020

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

Certificates of Deposit

TermEligible for IRA or SEPMinimum BalanceRateAnnual Percentage Yield (APY1)
3-Month CertificateNo$5000.150.15
6-Month CertificateNo$5000.250.25
9-Month CertificateNo$5000.300.30
12-Month CertificateYes$5000.540.54
15-Month CertificateYes$5000.590.59
18-Month CertificateYes$5000.590.59
24-Month CertificateYes$5000.740.74
36-Month CertificateYes$5000.750.75
48-Month CertificateYes$5000.900.90
60-Month CertificateYes$5001.051.05
1Annual Percentage Yield assumes that interest and principal will remain on deposit until maturity. Penalties for early withdrawal may apply. Fees may reduce earnings.

Savings / Club (Holiday, Vacation, Rainy Day, Rocky Raccoon)

Account BalanceRateAnnual Percentage Yield (APY)
$0 to $99.990.000.00
$100 to $9,999.99 0.050.05
$10,000 to $49,999.990.150.15
$50,000 to $99,999.990.200.20
Greater than $100,0000.250.25
1Relationship 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.

Checking3

 Minimum BalanceRateAnnual Percentage Yield (APY)
Regular Checking $20 to open0.000.00
Business Checking$20 to open0.000.00
Cha-Ching Teen Checking$20 to open0.000.00
Premier Checking1$10,0000.250.25
Cash Back Checking2$20 to open1.011.01
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, 1.01% Annual Percentage Yield (APY) (“Dividend”) 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: You must be enrolled in eStatements, conduct 12 Power Financial Credit Union VISA debit card transactions (ATM transactions excluded), and 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. 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 Market1

 Account BalanceRateAnnual Percentage Yield (APY)
MarketSure Money Market$2,500 to $9,999.990.050.05
$10,000 to $24,999.990.050.05
$25,000 to $49,999.99 0.100.10
$50,000 to $99,999.990.400.40
Greater than $100,0000.450.45
Account BalanceRateAnnual Percentage Yield (APY)
Gold Relationship Money Market$2,500 to $9,999.990.100.10
$10,000 to $24,999.990.100.10
$25,000 to $49,999.99 0.150.15
$50,000 to $99,999.990.450.45
Greater than $100,0000.500.50
Minimum BalanceRateAnnual Percentage Yield (APY)
Platinum Relationship Money Market$2,500 to $9,999.990.150.15
$10,000 to $24,999.990.150.15
$25,000 to $49,999.99 0.200.20
$50,000 to $99,999.990.500.50
Greater than $100,0000.550.55
Account BalanceRateAnnual Percentage Yield (APY)
Optimizer Investor Money Market2$2,5000.650.65
1Balances below $2,500 in Money Market accounts do not earn dividends.
2To qualify to open an Optimizer Investor Money Market, you must have $50,000 in investments with Power Investment Services.

IRA Savings (Traditional, Roth, Educational & SEP)

Account BalanceRateAnnual Percentage Yield (APY)
$0 to $99.990.000.00
$100 to $9,999.990.150.15
$10,000 to $49,999.99 0.20 0.20
$50,000 to $99,999.99 0.350.35
$100,000 and greater 0.350.35
1Relationship levels are assigned for the following month based on the average daily balance of the aggregate amount of savings and/or checking balance for the current month excluding money market, share certificate, IRA and HSA balances.

Health Savings Account (HSA)

Account BalanceRateAnnual Percentage Yield (APY)
$0 to $99.990.000.00
$100 to $9,999.99 1.011.02
$10,000 to $49,999.99 1.011.02
$50,000 to $99,999.99 1.011.02
$100,000 and greater 1.011.02
1Relationship levels are assigned for the following month based on the average daily balance of the aggregate amount of savings and/or checking balance for the current month excluding money market, share certificate, IRA and HSA balances.