SOME EXTRA HOLIDAY CHEER FOR YOUR BUDGET
Holiday loans with rates as low as 8.99% APR*
Let our Holiday Loan take care of your finances so you can focus on what truly matters this season!
Benefits You’ll Love
- Get competitively low rates to handle personal needs
- Take advantage of unique, customized repayment terms
- Work with local lenders for faster decision-making
- Enjoy the financial flexibility of a personal line of credit
The holidays can be overwhelming and expensive. A fixed-rate personal loan can help you budget to cover those holiday costs, so you can relax and enjoy this special time with friends and family. Use the money you borrow for expenses such as:
- Gifts & Decorations
- Travel and Accommodations
- Parties and Celebrations
- and More
Unlike credit cards with changing payments and rates, you’ll know your exact monthly payments and how long it will take to pay off your loan
Not a member? You can still apply for a loan online by selecting "Apply for a loan as a non-member" within the online application.
*APR = Annual Percentage Rate. Rates as low as 8.99% APR available on approved credit. Actual rate may vary based on creditworthiness and loan terms. All loans subject to credit approval and Power Credit Union membership eligibility. Rates and terms are subject to change at any time without notice. Other restrictions may apply. Federally insured by NCUA.
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) | 3.84% | 3.90% |
| 6 Month ($50,000+) | 3.94% | 4.00% |
| 6 Month Youth CD ($50 - $49,999.99) | 3.84% | 3.90% |
| 6 Month Youth CD ($50,000+) | 3.94% | 4.00% |
| 1 Year ($500 - $49,999.99) | 3.75% | 3.80% |
| 1 Year ($50,000+) | 3.85% | 3.91% |
| 1 Year Youth CD ($50 - $49,999) | 3.75% | 3.80% |
| 1 Year Youth CD ($50,000+) | 3.85% | 3.91% |
| 2 Years ($500 - $49,999.99) | 3.55% | 3.60% |
| 2 Years ($50,000+) | 3.65% | 3.70% |
| 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.
