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Account Rates

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Rates current as of 12-08-16

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

Certificates of Deposit

Term
Eligible for IRA or SEP
Minimum Balance
Rate
Annual Percentage Yield (APY1)
3-Month CertificateNo$5000.150.15
6-Month CertificateNo$5000.250.25
9-Month CertificateNo$5000.300.30
12-Month CertificateYes$5000.350.35
12-Month Certificate - VariableYes$5000.350.35
15-Month CertificateYes$5000.400.40
18-Month CertificateYes$5000.400.40
24-Month CertificateYes$5000.550.55
36-Month CertificateYes$5000.600.60
48-Month CertificateYes$5000.750.75
51-Month Bump Up Certificate2Yes$2,5001.241.25
60-Month CertificateYes$5000.900.90
65-Month Certificate3Yes$25001.982.00
1Annual Percentage Yield assumes that interest and principal will remain on deposit until maturity. Penalties for early withdrawal may apply. Fees may reduce earnings.
2Minimum deposit amount is $2,500. The initial term of the certificate is 51 months. At the end of the initial term, the certificate will automatically rollover to a 48 month term at the dividend and Annual Percentage Yield offered at that time for a 48 month certificate. You may choose to increase or "Bump" the Interest Rate and Annual Percentage Yield on a 51 month bump up certificate of deposit. The "Bump" option can only be exercised once during the term of the certificate. The increased or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively and will not extend the original maturity date of the bump up certificate of deposit. When you exercise your Interest Rate Bump option, the Bump Rate and Annual Percentage Yield will be the prevailing rate offered on a 48 month term CD. Your account will automatically renew for another term upon maturity. Annual Percentage Yield assumes that interest and principal will remain on deposit until maturity. Fees may reduce earnings. Limited Time Offer.
3Minimum deposit amount is $2,500. The 65 month term Promo certificate will automatically rollover to a 60 month term at the dividend rate and annual percentage yield offered at that time for a 60 month certificate. Penalties for early withdrawal may apply. Annual Percentage Yield assumes that interest and principal will remain on deposit until maturity. Fees may reduce earnings. Limited Time Offer.

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

Account Balance
Rate
Annual 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 Balance
Rate
Annual 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 open0.750.75
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 Market1

 
Account Balance
Rate
Annual 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 $99,999.990.150.15
Greater than $100,0000.200.20
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 $99,999.990.200.20
Greater than $100,0000.250.25
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 $99,999.990.250.25
Greater than $100,0000.300.30
Account BalanceRateAnnual Percentage Yield (APY)
Optimizer Investor Money Market2$2,5000.400.40
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 Balance
Rate
Annual 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 Balance
Rate
Annual 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.