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Account Rates

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Rates current as of 10-20-2020

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$5000.200.20
9-Month CertificateNo$5000.300.30
12-Month CertificateYes$5000.300.30
15-Month CertificateYes$5000.350.35
18-Month CertificateYes$5000.350.35
24-Month CertificateYes$5000.450.45
36-Month CertificateYes$5000.550.55
48-Month CertificateYes$5000.700.70
60-Month CertificateYes$5000.750.75
1Annual Percentage Yield assumes that interest and principal will remain on deposit until maturity. Penalties for early withdrawal may apply. Fees may reduce earnings.

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

Account BalanceRateAnnual Percentage Yield (APY1)
$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
1Annual Percentage Yield. Minimum balance of $100 to earn stated APY. Fees may reduce earnings.


Checking Account TypeMinimum BalanceRate 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 open
$0 - $15,000
$15,000 and greater
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.
2Cash Back Checking requires a $20 opening balance. If requirements are met during program cycle: 1.01% APY on balances up to $15,000; 1.01% - 0.15% on any balance above $15,000. If requirements are not met, APY is 0.01%. Requirements for earning dividend include: you must be enrolled in eStatements, conduct 12 Power Financial Credit Union VISA debit card transactions (ATM transaction excluded), and 3 SecureLink Bill Pay transactions must post to your account per 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.
3Fees may reduce earnings.

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 $99,999.990.300.30
Greater than $100,0000.350.35
Account BalanceRateAnnual Percentage Yield (APY)
Gold Relationship3 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 $99,999.990.350.35
Greater than $100,0000.400.40
Minimum BalanceRateAnnual Percentage Yield (APY)
Platinum Relationship3 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 $99,999.990.400.40
Greater than $100,0000.450.45
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. 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.

IRA Savings (Traditional, Roth, Educational & SEP)

Account BalanceRateAnnual Percentage Yield (APY 1)
$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
1 Fees may reduce earnings.

Health Savings Account (HSA)

Account BalanceRateAnnual Percentage Yield (APY1)
$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
1 Fees may reduce earnings.