Share Rates
As of January 1, 2025
Contact us for more information
| Share Deposits | A.P.Y.* |
| Shares ($100 min)** | 0.15% |
| Share Draft** | 0.00% |
| Super Share Draft ($2,500 min)** | 0.05% |
| IRA Shares** | 0.25% |
| Fees may reduce earnings. Rate may change after account is opened. |
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| High Voltage Accounts** | A.P.Y.* |
| Less than $2,500 | 0.15% |
| $2,500 - $4,999.99 | 1.00% |
| $5,000 - $9,999.99 | 1.10% |
| $10,000 - $24,999.99 | 1.15% |
| $25,000 - 49,999.99 | 1.25% |
| Greater than $50,000 | 1.35% |
| Fees may reduce earnings. Rate may change after account is opened. | |
| Share Certificates Regular and IRA Accounts Rates as of November 13, 2024 |
|
| Type | A.P.Y.* |
| 6 Month Certificate ($500 min.) | 4.00% |
| 12 Month Certificate ($500 min.) | 3.70% |
| 24 Month Certificate ($500 min.) | 3.60% |
| 36 Month Certificate ($500 min.) | 3.50% |
| 48 Month Certificate ($500 min.) | 3.50% |
| 60 Month Certificate ($500 min.) | 3.40% |
| Early withdrawal penalties may apply. | |
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*Annual Percentage Yield Certificate Rates effective 11-13-2024, and are subject to change. The rate may change after the account is open. |
Loan Rates
As of December 6, 2024
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Consumer Loans
| Type | A.P.R. |
| New & Used Auto | As low as 4.49% |
| New & Used Harley Davidson | As low as 4.49% |
| Motorcycles | As low as 7.00% |
| New Travel Trailers/RV | As low as 7.50% |
| Used Travel Trailers/RV | As low as 7.50% |
| New Mobile Homes | As low as 10.50% |
| Used Mobile Homes | As low as 10.50% |
| New & Used Boats | As low as 7.00% |
| Computers | As low as 9.95% |
| Personal | As low as 9.95% |
| Share Secured | As low as rate + 3.00% |
| CD Loans | As low as CD rate + 3.00% |
| Farm Equipment | As low as 11.25% |
First Mortgage Loans
| Type | A.P.R. |
| 30-Year Fixed |
Contact Us For Current First Mortgage Rates |
| 15-Year Fixed | |
| 30-Year 1/1 Adjustable | |
| 30-Year 3/1 Adjustable | |
| 30-Year 5/1 Adjustable | |
| 30-Year 7/1 Adjustable |
Second Mortgages
| Rate Type | A.P.R. |
| Adjustable |
Contact Us For Current Rates |
| Fixed |
Home Equity Loans
| Rate Type | A.P.R. |
| Adjustable |
Contact Us For Current Rates |
| Fixed for 10 years |
Other Loans
| Type | A.P.R. |
| Construction Loans |
Contact Us For Current Rates |
| Commercial Loans |
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Fee Schedule
As of October 1, 2024
(Subject to Change)
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1 Member must notify CU of new address. Address change notices from USPS to CU will not be accepted. 2 Membership is Dormant if there is no activity for 12 months and total deposit balance is less than $500. 3NSF Fee will be assessed for each presentment (including items previously presented and returned). 4 Available at select CO-OP Network ATMs only. 5 First 8 ATM withdrawals per month are free. |
Shared Branching services are available at over 300 credit unions in Florida and over 5,000 across the US. Look for the CO-OP Shared Branch logo at any credit union and access your PowerNet account. Learn more about shared branching services...
PowerNet Credit Union is an Equal Housing Lender, NMLS#709375. Member NCUA.
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REMINDER: PowerNet Credit Union will never call you and ask for your account number, pin number or any other personal information.
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