What are the current interest rates at Power Financial Credit Union?

Current rates for Power Financial Credit Union include: 12-Month CD: 3.92%

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Power Financial Credit Union

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Power Financial Credit Union Rates & Review October 2026

Q: What CD terms does Power Financial Credit Union offer?

Power Financial Credit Union CD rates are 3.90% APY for a 7 month CD, 3.92% APY for an 11 month CD, 3.92% APY for a 12 month CD and 4.50% APY for a 13 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Power Financial Credit Union for its full lineup.

Q: Is a member application needed to join Power Financial Credit Union?

Yes, to access services at Power Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Power Financial Credit Union's 13-Month CD rates are at 4.50%, 11/11-Month CD rates are at 3.92%, 7-Month CD rates are at 3.90%. Power Financial Credit Union's Jumbo Fixed Rate Mortgage - 15 Year rates are at 6.50%, Fixed Rate Mortgage - 15 Year rates are at 6.50%, Fixed Rate Mortgage - 10 Year rates are at 6.50%, Fixed Rate Mortgage - 15 Year No Closing Costs rates are at 6.75%, Fixed Rate Mortgage - 10 Year No Closing Costs rates are at 6.75%. Power Financial Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.49%. MonitorBankRates evaluates the financial stability of Power Financial Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.71%. Rates last updated and verified on 10/30/2026.

Power Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Power Financial Credit Union? Share your experience about Power Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Power Financial Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.71%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Power Financial Credit Union
Main Headquarters/Sheridan Branch

2020 NW 150th Ave
Pembroke Pines, FL 33028-2889

https://www.powerfi.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Power Financial Credit Union CD Rates

Product	Rate	APY	Term
13-Month Certificate	-	4.50%	13 months
Min Deposit $2,500 Details Limited-time CD special; Automatically renewed for a 12-month term; Minimum deposit is $2,500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 4.50% ▲ 0.84 pts · high 4.50% / low 3.66% Oct 22, 20264.50%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
11/11-Month Certificate	-	3.92%	11/11 months
Min Deposit $50,000 Details Limited-time CD special; New Money Only; At the end of 11 months, the Credit Union may call the certificate or extend it for an additional 11-month term at the same APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.92% APY · checked 5 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
7-Month Certificate	-	3.90%	7 months
Min Deposit $2,500 Details Limited-time CD special; Automatically renewed for a 6-month term; Minimum deposit is $2,500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.90% / low 3.76% Oct 10, 20263.90%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%

Power Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Fixed Rate Mortgage - 15 Year	6.50%	0.000	6.607%	15 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.73% → 6.61% ▼ 0.13 pts · high 6.73% / low 6.61% Oct 26, 20266.61%▼ from 6.73% Oct 22, 20266.73%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 15 Year	6.50%	0.000	6.633%	15 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.76% → 6.63% ▼ 0.13 pts · high 6.76% / low 6.63% Oct 26, 20266.63%▼ from 6.76% Oct 22, 20266.76%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 10 Year	6.50%	0.000	6.687%	10 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.81% → 6.69% ▼ 0.13 pts · high 6.81% / low 6.69% Oct 26, 20266.69%▼ from 6.81% Oct 22, 20266.81%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 15 Year No Closing Costs	6.75%	0.000	6.753%	15 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Jumbo Fixed Rate Mortgage - 15 Year	6.75%	0.000	6.753%	15 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.73% → 6.75% ▲ 0.02 pts · high 6.75% / low 6.73% Oct 26, 20266.75%▲ from 6.73% Oct 22, 20266.73%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 10 Year No Closing Costs	6.75%	0.000	6.754%	10 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Jumbo Fixed Rate Mortgage - 20 Year	6.75%	0.000	6.837%	20 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.96% → 6.84% ▼ 0.13 pts · high 6.96% / low 6.84% Oct 26, 20266.84%▼ from 6.96% Oct 22, 20266.96%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 20 Year	6.75%	0.000	6.857%	20 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.98% → 6.86% ▼ 0.13 pts · high 6.98% / low 6.86% Oct 26, 20266.86%▼ from 6.98% Oct 22, 20266.98%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Jumbo Adjustable Rate Mortgage - 5 yr./5 yr. ARM	6.875%	0.000	6.942%
Details Jumbo loans over $832,750 Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.07% → 6.94% ▼ 0.13 pts · high 7.07% / low 6.94% Oct 26, 20266.94%▼ from 7.07% Oct 22, 20267.07%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Jumbo Fixed Rate Mortgage - 30 Year	6.875%	0.000	6.942%	30 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.07% → 6.94% ▼ 0.13 pts · high 7.07% / low 6.94% Oct 26, 20266.94%▼ from 7.07% Oct 22, 20267.07%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Adjustable Rate Mortgage - 5 yr./5 yr. ARM	6.875%	0.000	6.957%	5 years
Details Rate: 6.875%; APR: 6.957%; Periodic cap of 2 percentage points above the index every 5 years, lifetime maximum cap of 5 percentage points above original rate Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.08% → 6.96% ▼ 0.13 pts · high 7.08% / low 6.96% Oct 26, 20266.96%▼ from 7.08% Oct 22, 20267.08%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 30 Year	6.875%	0.000	6.957%	30 Year
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.08% → 6.96% ▼ 0.13 pts · high 7.08% / low 6.96% Oct 26, 20266.96%▼ from 7.08% Oct 22, 20267.08%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 20 Year No Closing Costs	7.00%	0.000	7.003%	20 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Jumbo Fixed Rate Mortgage - 20 Year	7.00%	0.000	7.003%	20 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 6.96% → 7.00% ▲ 0.04 pts · high 7.00% / low 6.96% Oct 26, 20267.00%▲ from 6.96% Oct 22, 20266.96%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Adjustable Rate Mortgage - 5 yr./5 yr. ARM No closing costs	7.125%	0.000	7.127%	5 years
Details No closing costs up to 2% of amount financed; Limited-time promotion; Periodic cap of 2 percentage points above the index every 5 years, lifetime maximum cap of 5 percentage points above original rate Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.13% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Jumbo Fixed Rate Mortgage - 30 Year	7.125%	0.000	7.127%	30 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.07% → 7.13% ▲ 0.06 pts · high 7.13% / low 7.07% Oct 26, 20267.13%▲ from 7.07% Oct 22, 20267.07%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fixed Rate Mortgage - 30 Year No Closing Costs	7.125%	0.000	7.128%	30 Year
Details No Closing Costs Up to 2% of Amount Financed Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 7.13% APR · checked 2 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%

Power Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Business New Vehicle Loans	-	-	5.12%	up to 36 months
Details Model Year: Current and Prior Year Models; LTV must be 80% or less and credit score of 720 or greater to be eligible for advertised rate Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 4.99% → 5.12% ▲ 0.13 pts · high 5.12% / low 4.99% Oct 26, 20265.12%▲ from 4.99% Oct 22, 20264.99%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Auto - up to 36 months	-	-	5.12%	up to 36 months
Details APR (Rates as low as); Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value; includes .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers; minimum loan amount of $7,501 to qualify for lowest advertised rate Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.12% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Business New Vehicle Loans	-	-	5.25%	37-48 months
Details Model Year: Current and Prior Year Models; LTV must be 80% or less and credit score of 720 or greater to be eligible for advertised rate Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 5.12% → 5.25% ▲ 0.13 pts · high 5.25% / low 5.12% Oct 26, 20265.25%▲ from 5.12% Oct 22, 20265.12%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Auto - 37-60 months	-	-	5.25%	37-60 months
Details APR (Rates as low as); Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value; includes .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers; minimum loan amount of $7,501 to qualify for lowest advertised rate Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Business Used Vehicle Loans	-	-	5.37%	up to 36 months
Details LTV must be 80% or less and member must have a credit score of 720 or greater to be eligible for advertised rate Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 5.24% → 5.37% ▲ 0.13 pts · high 5.37% / low 5.24% Oct 26, 20265.37%▲ from 5.24% Oct 22, 20265.24%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Business New Vehicle Loans	-	-	5.50%	49-60 months
Details Model Year: Current and Prior Year Models; LTV must be 80% or less and credit score of 720 or greater to be eligible for advertised rate Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 5.12% → 5.50% ▲ 0.38 pts · high 5.50% / low 5.12% Oct 26, 20265.50%▲ from 5.12% Oct 22, 20265.12%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Business Used Vehicle Loans	-	-	5.50%	37-60 months
Details LTV must be 80% or less and member must have a credit score of 720 or greater to be eligible for advertised rate Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 5.37% → 5.50% ▲ 0.13 pts · high 5.50% / low 5.37% Oct 26, 20265.50%▲ from 5.37% Oct 22, 20265.37%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Auto - 61-72 months	-	-	5.50%	61-72 months
Details APR (Rates as low as); Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value; includes .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers; minimum loan amount of $7,501 to qualify for lowest advertised rate Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Auto - 73-84 months	-	-	6.37%	73-84 months
Details APR (Rates as low as); Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value; includes .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers; minimum loan amount of $7,501 to qualify for lowest advertised rate Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.37% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Auto - 85-96 months	-	-	8.12%	85-96 months
Details APR (Rates as low as); Eligibility for the lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value; includes .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers; minimum loan amount of $7,501 to qualify for lowest advertised rate Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.12% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%

Power Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used Boat Fixed Rate	-	6.49%	up to 36 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Motorcycle Fixed Rate	-	6.49%	up to 36 months
Details As Low As; Eligibility based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value and year of vehicle. Rates include .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	6.49%	up to 36 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	6.74%	37-60 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Motorcycle Fixed Rate	-	6.74%	37-60 months
Details As Low As; Eligibility based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value and year of vehicle. Rates include .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	6.74%	37-60 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Variable Rate Loan	-	6.75%	20 year
Details Term: 20 year/ 240 Term Amortization; As Low As; Variable rate boat loan; Interest rates include a .25% discount for automatic payment from a Power Financial Credit Union account and a .25% discount for previous Power Financial Credit Union borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	6.99%	61-72 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Motorcycle Fixed Rate	-	6.99%	61-72 months
Details As Low As; Eligibility based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value and year of vehicle. Rates include .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	6.99%	61-72 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	7.24%	73-84 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	7.24%	73-84 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	7.49%	85-96 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	7.49%	85-96 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	7.74%	97-120 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	7.74%	97-120 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	7.99%	121-180 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Boat Fixed Rate	-	7.99%	181-240 months
Details As Low As; Interest rates include .25% discount for automatic payment from PFCU account and .25% discount for previous PFCU borrowers Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used RV & Motor Home Fixed Rate	-	7.99%	121-180 months
Details As Low As; Eligibility for lowest rate based on credit worthiness, ability to repay, credit score, down payment, term of loan, LTV and year of vehicle Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	-	8.49%	up to 36 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Motorcycle Fixed Rate	-	8.49%	73-84 months
Details As Low As; Eligibility based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value and year of vehicle. Rates include .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	-	8.74%	37-60 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	-	8.99%	61-72 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New/Used Motorcycle Fixed Rate	-	9.49%	85-96 months
Details As Low As; Eligibility based on credit worthiness, ability to repay, credit score, down payment, term of loan, loan to value and year of vehicle. Rates include .25% discount for automatic payment and .25% discount for previous Power Financial Credit Union borrowers. Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 9.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	-	10.49%	73-84 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	-	11.49%	85-96 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%

Power Financial Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loan	-	-	11.75%	Up to 120 months
Details As Low As; Rates as low as (APR) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.75% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%

Power Financial Credit Union Personal Loan Rates

Product	APR	Term
New Watercraft/ Personal Recreational Vehicles Loan	8.49%	up to 36 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	8.74%	37-60 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.74% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	8.99%	61-72 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	10.49%	73-84 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 10.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
New Watercraft/ Personal Recreational Vehicles Loan	11.49%	85-96 months
Details As Low As; APR (Rates as low as) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 11.49% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Fast Personal Line of Credit	13.98%
Details As Low As; Rates as low as (APR) Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 13.98% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%
Signature Loan	13.98%	Up to 60 months
Details As Low As; Rates as low as (APR); Minimum loan amount $500; Maximum aggregate loan amount $30,000 Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 13.98% APR · checked 3 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.71%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Power Financial Credit Union’s Texas Ratio rose from 1.44% in Q3 2023 to 16.71% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.0B	16.71%	4.9	A-
March 31, 2026	$1.0B	15.09%	5.0	A-
December 31, 2025	$977M	17.83%	4.8	B+
September 30, 2025	$945M	9.58%	5.0	A
June 30, 2025	$892M	2.08%	5.0	A+
March 31, 2025	$899M	1.11%	5.0	A+
December 31, 2024	$869M	1.79%	5.0	A+
September 30, 2024	$875M	1.65%	5.0	A+
June 30, 2024	$875M	3.28%	5.0	A+
March 31, 2024	$901M	1.70%	5.0	A+
December 31, 2023	$879M	1.03%	5.0	A+
September 30, 2023	$879M	1.44%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Power Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Power Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Power Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Power Financial Credit Union

Website https://www.powerfi.org

Address 2020 NW 150th Ave, Pembroke Pines, FL 33028-2889

Phone 954-538-4400

Fax

President George Skillas

CEO Allan Prindle

Full-Time Employees 168

Part-Time Employees 1

Branch Locations 7

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A- (90/100)

Texas Ratio

16.71%

Return on Assets (ROA)

0.4036%

Return on Equity (ROE)

2.9705%

Non-Performing Loans Ratio (NPL)

3.35%

Total Assets

1,031,658,581

Total Amount of Shares and Deposits

852,462,324

Total Shares and Deposits < 1 Year

798,139,358

Total Shares and Deposits 1 3 Years

53,451,106

Total Shares and Deposits > 3 Years

871,861

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

62,627,729

Total Uninsured Shares and Deposits > $250K (F+J)

62,627,729

Total Insured Shares and Deposits > $250K (item 17 less item K)

789,834,595

Total Interest Expense (Sum of items 6 8)

7,364,677

Share Certificates

3,683

Number of Accounts for Share Drafts

25,454

IRA KEOGH Accounts

996

Number of Accounts for Regular Shares

44,275

All other shares

Non Member Deposits

Money Market Shares

1,123

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

137,111,113

Total Liabilities

899,338,557

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Power Financial Credit Union

Does Power Financial Credit Union offer CDs?

Yes. Power Financial Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Power Financial Credit Union CD rates verified by MonitorBankRates as of October 30, 2026 include its 13-Month CD at 4.50% APY, its 11/11-Month CD at 3.92% APY and its 7-Month CD at 3.90% APY.

Are CDs from Power Financial Credit Union NCUA insured?

Yes. Power Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Power Financial Credit Union?

The highest Power Financial Credit Union CD rate is its 13-Month CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Power Financial Credit Union offer?

Power Financial Credit Union CD rates are 3.90% APY for a 7 month CD, 3.92% APY for an 11 month CD, 3.92% APY for a 12 month CD and 4.50% APY for a 13 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Power Financial Credit Union for its full lineup.

What is the lowest 30 year fixed mortgage rate at Power Financial Credit Union?

The lowest Power Financial Credit Union 30 year fixed mortgage rate is its Jumbo Fixed Rate Mortgage - 30 Year at 6.875%, verified by MonitorBankRates as of October 30, 2026. Power Financial Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.50% for a 10 year mortgage and 6.875% for a 5 year mortgage.

What is the lowest auto loan rate at Power Financial Credit Union?

The lowest Power Financial Credit Union auto loan rate is its Business New Vehicle Loans at 5.12% APR, verified by MonitorBankRates as of October 30, 2026. Power Financial Credit Union auto loan rates are 5.25% APR for a 60 month auto loan, 5.50% APR for a 72 month auto loan, 6.37% APR for an 84 month auto loan and 8.12% APR for a 96 month auto loan.

What is the lowest personal loan rate at Power Financial Credit Union?

The lowest Power Financial Credit Union personal loan rate is its New Watercraft/ Personal Recreational Vehicles Loan at 8.49% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Power Financial Credit Union operate?

Power Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Power Financial Credit Union?

Yes, to access services at Power Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Power Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Power Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Power Financial Credit Union offer online and mobile banking?

Most modern institutions like Power Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.powerfi.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Power Financial Credit Union rates compare?

Power Financial Credit Union's top rates are its 13-Month CD at 4.50% APY, its Jumbo Fixed Rate Mortgage - 15 Year at 6.50% and its New Watercraft/ Personal Recreational Vehicles Loan at 8.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Power Financial Credit Union Rates

12-Month CD3.92%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Power Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Power Financial Credit Union Texas Ratio

Power Financial Credit Union Health Trend

Power Financial Credit Union CD Rates

Power Financial Credit Union Mortgage Rates

Power Financial Credit Union Auto Loan Rates

Power Financial Credit Union RV, Boat and Powersport Loan Rates

Power Financial Credit Union Student Loan Rates

Power Financial Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About Power Financial Credit Union

Does Power Financial Credit Union offer CDs?

Are CDs from Power Financial Credit Union NCUA insured?

What is the highest CD rate at Power Financial Credit Union?

What CD terms does Power Financial Credit Union offer?

What is the lowest 30 year fixed mortgage rate at Power Financial Credit Union?

What is the lowest auto loan rate at Power Financial Credit Union?

What is the lowest personal loan rate at Power Financial Credit Union?

How many branches does Power Financial Credit Union operate?

Is a member application needed to join Power Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Power Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Power Financial Credit Union rates compare?

Current Power Financial Credit Union Rates

Compare to Other Credit Unions