Loan Rates
  Vehicles
  Credit Cards
  Mortgages
  Personal 		Savings and Checking Rates
  Share Savings Accounts
  Money Market Accounts
  PowerChek Accounts
  Share Certificates
  IRAs
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Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.

Loan Rates
Effective May 9, 2008 -- Rates Subject to Change Daily

Vehicle Loan Term Amt. Financed Rate (APR)
Auto Loans - New Up to 48 months Up to 100% 4.90%
Auto Loans - New Up to 60 months Up to 100% 5.25%
Auto Loans - New Up to 72 months Up to 100% 5.25%
Auto Loans - New Up to 84 months Up to 100% 5.75%
Auto Loans - Used Up to 60 months Up to 100% 5.25%
Auto Loans - Older Used Call for details Up to 100% 6.50%
Boat Loans - New Up to 60 months Up to 85% 5.90%
Boat Loans - Used Up to 48 months Up to 75% 5.90%
RV Loans - New Up to 60 months Up to 85% 7.90%
Motorcycle & Other Vehicles Call for details Call for details 7.00%
 



Credit Card Rates

Credit Card Annual Fee Purchase Grace Period APR
VISA Classic No Annual Fee 25-day Grace Period 13.75%
VISA Gold No Annual Fee 25-day Grace Period *8.90%
*Variable rate effective 5/1/08 and subject to change monthly. The APR is determined by adding 3.65% to the highest Prime Rate published on the first business day of the previous month in the "Wall Street Journal" Money Rates column. Complete disclosures available upon request.
 



Mortgage Loan Rates

Mortgage Loans Rate
15-Year Fixed Rate / 1 Point 5.375%
15-Year Fixed Rate / 0 Points 5.500%
20-Year Fixed Rate / 1 Point 5.625%
20-Year Fixed Rate / 0 Points 5.750%
30-Year Fixed Rate / 1 Point 5.750%
30-Year Fixed Rate / 0 Points 5.875%
3/1 ARM (CAPS 2/2/6) / 1 Point 4.750%
5/1 ARM (CAPS 2/2/5) / 1 Point 5.000%
7/1 ARM (CAPS 5/2/5) / 1 Point 5.250%
We also offer JUMBO loans (over $417,000) and Interest Only ARM's. Please call (404) 506-3750 or 1-800-633-5217 for current rates and more information.
 



Home Equity Loan Rates

Home Equity Loans Rate
Performance Equity Prime - Line of Credit (Up to 90% LTV) *6.00%
Performance Equity Prime Plus - Line of Credit (Up to 100% LTV) *6.50%
Second Mortgages - Fixed Rate (Up to 100% LTV) Starting at 8.50%
*Variable rate effective 4/1/08 and subject to change quarterly. The rate is based on the Prime Rate and the minimum Annual Percentage Rate that can apply is 5.00%. A rate of only .50% over Prime applies to those loans that are greater than 90% loan to value. Complete disclosures available upon request.

Personal Loan Rates

Loan APR
Prestige Credit (Line of Credit) *13.50%
Signature Loans 9.50%
Share Covered Loans 3.00%
*Subject to change quarterly. Full disclosures available upon request.
 

Savings and Checking Rates

Effective May 1, 2008 -- Rates Subject to Change Daily APY = Annual Percentage Yield
Share Savings and Secondary Share Savings Account Rate
.75% APY*
A $5 minimum opening deposit is required, and there is no minimum balance requirement to earn this APY. Dividends are compounded daily on the total balance in the account.  
 

Money Market Account Rates

Tier 5 - $200,000 & Above 2.00% APY*
Tier 4 - $100,000 - $199,999 1.69% APY*
Tier 3 - $50,000 - $99,999 1.45% APY*
Tier 2 - $25,000 - $49,999 1.25% APY*
Tier 1 - $0 - $24,999 1.05% APY*
A $2,500 minimum opening deposit is required, and there is no minimum balance requirement to earn above market interest rates. Dividends are compounded monthly.
 

PowerChek Checking Account Rate

PowerChek Checking Account Rate .25% APY*
A $50 minimum opening deposit is required, and there is no minimum balance requirement to earn this APY. Dividends are compounded daily on the total balance in the account.

*Fees or other conditions may reduce the dividends paid on the accounts listed above. Rates on the above variable rate accounts are prospective and subject to change after the accounts are opened.

 

Share Certificate Account Rates

Term Minimum Balance APY
            60 Month $500                           3.00%
            48 Month $500                           2.75%
            36 Month $500                           2.55%
            30 Month $500                           2.45%
            24 Month $500                           2.35%
            18 Month $500                           2.30%
            12 Month $500                           2.25%
            6 Month $500                           2.35%
            91 Day $2,500                           .90%
            31 Day $5,000                           .85%
A penalty will be imposed for early withdrawal.
 

IRA Rates

Term Minimum Balance APY
            60 Month $500                     3.10%
            48 Month $500                     2.85%
            36 Month $500                     2.65%
            30 Month $500                     2.55%
            24 Month $500                     2.45%
            18 Month $500                     2.40%
            12 Month $500                     2.35%
A penalty will be imposed for early withdrawal.



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Powerco Federal Credit Union is federally insured by the National Credit Union Administration.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.