Simplify Your Finances with One Low Monthly Payment
Take control of your debt with a Power Credit Union Debt Consolidation Loan.
Combine high-interest balances into one manageable payment and enjoy the peace of mind that comes with a low, fixed rate and predictable monthly costs.
- One easy monthly payment
- Competitively low fixed rates
- Lower your overall interest costs
- No application fees or prepayment penalties
- Flexible terms designed to fit your budget
- A fast, simple approval process
- Support from a local credit union that puts your financial wellness first
- Consolidate multiple debts into one convenient loan
- Fixed rates that help you save on interest
- Predictable monthly payments that simplify your budget
- Terms available up to 72 Months
- No prepayment penalty, pay it off early and save even more
- Local decisions made by people who care about your financial success
Your rate will be based on creditworthiness, the term selected, and Power Credit Union’s lending guidelines.
Please refer to the rate chart below for current options:
| Term | APR |
|---|---|
| 36 Months | 10.99% - 13.99% |
| 48 Months | 10.99% - 13.99% |
| 60 Months | 11.49% - 14.49% |
| 72 Months | 11.99% - 14.99% |
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Term | APR |
|---|---|
| Up to 36 Months | 4.99% - 19.24% |
| 37 - 48 Months | 4.99% - 19.24% |
| 49 - 60 Months | 4.99% - 19.24% |
| 61 - 72 Months | 5.49% - 11.49% |
| 73 - 84 Months | 5.99% - 11.99% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Consolidation Loans
| Term | APR |
| 36 Months | 10.99% - 13.99% |
| 48 Months | 10.99% - 13.99% |
| 60 Months | 11.49% - 14.49% |
| 72 Months | 11.99% - 14.99% |
Fixed Home Equity Loans - 1st Position
| Term | Rate |
|---|---|
| 10 Years | 7.00% - 9.00% |
| 15 Years | 7.25% - 9.25% |
*Rate may vary based on credit history and other qualifications.
Fixed Home Equity Loans - 2nd Position
| Term | Rate |
|---|---|
| 10 Years | 7.25% - 9.25% |
| 15 Years | 7.50% - 9.50% |
*Rate may vary based on credit history and other qualifications.
Holiday Loans
| Term | APR |
| 12 Months | Available Nov 1 - Dec 31 |
| 24 Months |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Home Equity Lines of Credit
| LTV | 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<590 Credit Score |
No Score |
|---|---|---|---|---|---|---|---|
| <60% | Index* | Index* | Index* + 1.00% | Index* + 2.00% | N/A | N/A | Index* + 4.00% |
| 60% - 69% | Index* | Index* | Index* + 1.00% | Index* + 3.00% | N/A | N/A | Index* + 5.00% |
| 70% - 80% | Index* | Index* | Index* + 1.00% | Index* + 4.00% | N/A | N/A | Index* + 6.00% |
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate Floor Rate - 3.90% Prime Rate – 7.00%
*Rate may vary based on credit history and other qualifications.
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $9,999.99 | 1.00% | 1.00% |
| $10,000 - $24,999.99 | 1.15% | 1.16% |
| $25,000 - $49,999.99 | 1.15% | 1.16% |
| $50,000 - $99,999.99 | 1.40% | 1.41% |
| $100,000+ | 1.75% | 1.76% |
Personal Line of Credit
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| Prime* + 2.5% | Prime* + 4.00% | Prime* + 5.00% | Prime* + 7.00% | Prime* + 13.00% | Prime* + 13.00% |
*Rate may vary based on credit history and other qualifications.
Floor Rate is 4.90%. Prime Rate is 7.00%
*Index is equal to the greater of Wall Street Journal Prime or Floor Rate
Personal Term Loans (Unsecured/Signature)
| Term | APR |
|---|---|
| 24 Months | 9.99% - 20.24% |
| 36 Months | 9.99% - 20.24% |
| 48 Months | 10.49% - 20.74% |
| 60 Months | 10.99% - 21.24% |
*Rate may vary based on credit history and other qualifications.
APR is based upon credit history.
Recreational Vehicles (2012 & Older)
| Term | APR |
|---|---|
| Up to 60 Months | 7.99% - 18.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit. Based upon past credit history. All rates are subject to change without notice.
Recreational Vehicles (2013 & Newer)
| Term | APR |
|---|---|
| 24 - 48 Months | 6.99% - 20.99% |
| 49 - 60 Months | 6.99% - 20.99% |
| 61 - 72 Months | 7.49% - 16.24% |
| 73 - 84 Months | 7.74% - 10.74% |
| 85 - 96 Months | 7.99% - 10.99% |
| 97 - 120 Months | 8.49% - 11.49% |
*Rate may vary based on credit history and other qualifications.
APR is based on credit history. Rates apply to most vehicles, with approved credit.Based upon past credit history. All rates are subject to change without notice.
Share Accounts
| Product | Dividend Rate | APY |
|---|---|---|
| Power Shares | 0.05% | 0.05% |
| Christmas Club | 0.10% | 0.10% |
| Escrow | 0.10% | 0.10% |
| Secondary Shares | 0.10% | 0.10% |
| IRA Shares | 0.20% | 0.20% |
Share Certificates
| Term & Balance | Dividend Rate | APY |
|---|---|---|
| 6 Month ($500 - $49,999.99) | 3.75% | 3.80% |
| 6 Month ($50,000+) | 3.85% | 3.91% |
| 6 Month Youth CD ($50 - $49,999.99) | 3.75% | 3.80% |
| 6 Month Youth CD ($50,000+) | 3.85% | 3.91% |
| 1 Year ($500 - $49,999.99) | 3.70% | 3.75% |
| 1 Year ($50,000+) | 3.80% | 3.86% |
| 1 Year Youth CD ($50 - $49,999) | 3.70% | 3.75% |
| 1 Year Youth CD ($50,000+) | 3.80% | 3.86% |
| 2 Years ($500 - $49,999.99) | 3.45% | 3.50% |
| 2 Years ($50,000+) | 3.55% | 3.60% |
| 3 Years ($500 - $49,999.99) | 3.16% | 3.20% |
| 3 Years ($50,000+) | 3.26% | 3.30% |
| 4 Years ($500 - $49,999.99) | 3.16% | 3.20% |
| 4 Years ($50,000+) | 3.26% | 3.30% |
| 5 Years ($500 - $49,999.99) | 3.16% | 3.20% |
| 5 Years ($50,000+) | 3.26% | 3.30% |
Minimum Balance is $500 for adult depositors and $50 for Youth (18 and under). All rates are subject to change. Share certificates can be set up to auto renew. Early withdrawal penalties apply. We will match local competitor certificate rates up to .25% based on published equivalent terms and balances. Ask a representative for availability and details.
Promotional certificates are not eligible for auto renewal.
VISA Credit Cards
| 730+ Credit Score |
729 - 680 Credit Score |
679 - 650 Credit Score |
649 - 620 Credit Score |
619 - 590 Credit Score |
<589 Credit Score |
|---|---|---|---|---|---|
| 8.90% | 10.40% | 11.40% | 13.40% | 17.40% | 18.00%** |
**Secured VISA® Only.
*Rate may vary based on credit history and other qualifications.
