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Personal

 

Promotional Rates

We believe in family, and we believe in you! We hear you. And we respect you. That’s what family does.

Great rates and the best in loan products!

Rates current as of 12-08-16 

 

 

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.

Auto Loan Promotion1

Term
Annual Percentage Rate (APR)
up to 36 months1.49%
up to 60 months1.74%
up to 96 monthsCall for great rates!
1APR = Annual Percentage Rate. Eligibility for the lowest rate which is stated above is based on credit worthiness, ability to repay, credit score, term of loan, and year of vehicle. Minimum loan amount of $7,500 to qualify for lowest advertised rate of 1.49% APR. Members with existing Power Financial Credit Union auto loans will pay $350 when rate is being lowered. Interest rates include a .25% discount for automatic payment from your CU account. Other conditions may apply. Rates are subject to change at any time.

Mortgage Promotions

Promotions
1. Only 10% down payment for First Mortgage Loans. 1
2. New Affordable and Secure 5/5 Adjustable Rate Mortgage. 2
View our mortgage rates today!3
1Applicable for first mortgage loans with maximum loan amount of $417,000. Adjustable rate mortgage products do not qualify. Member must provide 10% down payment plus closing costs for purchase or 10% equity in home for refinance. Other conditions may apply.
2Rate is variable with a periodic cap of 2 percentage points every 5 years with a lifetime maximum cap of 5%.
3Applicable for first mortgage loans with maximum loan amount of $417,000. Can be used for purchase or refinance. Power XPress First Mortgage Refinance does not qualify.

Home Equity Promotion1

 
Max LTV
Term
Rate
Home Equity Hybrid - 1st Lien80%3 years fixed rate
Up to 15 yrs to repay
Fixed Rate as low as 3.74%. Then variable rate starting as low as Prime
80%4 years fixed rate
Up to 15 yrs to repay
Fixed Rate as low as 4.24%. Then variable rate starting as low as Prime
80%5 years fixed rate
Up to 15 yrs to repay
Fixed Rate as low as 4.74%. Then variable rate starting as low as Prime
Home Equity Hybrid - 2nd Lien75%3 years fixed rate
Up to 15 yrs to repay
Fixed Rate as low as 3.74%. Then variable rate starting as low as Prime
75%4 years fixed rate
Up to 15 yrs to repay
Fixed Rate as low as 4.24%. Then variable rate starting as low as Prime
75%5 years fixed rate
Up to 15 yrs to repay
Fixed Rate as low as 4.74%. Then variable rate starting as low as Prime
Home Equity Line of Credit380%Up to 15 years to repayVariable rates as low as 3.50% APR
Prime - .25%
1Home Equity Promotion ends December 31, 2016. Eligibility for the lowest rate is based on loan to value (LTV), credit worthiness, ability to repay, credit score, and term of loan. Rates are subject to change at any time. Other conditions may apply. Interest rates include a .25% discount for automatic loan payment transfer from your Credit Union account.
2The maximum loan amount for the Home Equity Loan is $250,000. For a Home Equity Loan of $50,000 at 4.50% over 15 years you would make 180 payments of $382.57. The estimated Credit Union and third party fees for a Home Equity Loan are $1,343.75.
3Minimum line of credit is $10,000. Immediate usage is $10,000.
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Apply for a Loan Today (Auto, Mortgage or Home Equity)

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