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To register for Online Banking or Online BillPay, call Powerco at (404) 506-3750 or 1-800-633-5217. Please note that passwords are case-sensitive.

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New! 80/10/10 Mortgage Option

New at your CU! Now offering 80/10/10 mortgage loans. Let Your Dreams Begin!

Dreams Begin Here.


Want to avoid PMI but don't have a big down payment?

Powerco's new 80/10/10 mortgageoption allows credit union members to purchase a new home with as little as 10% down -- with no requirement for PMI.¹

  • Finance your home purchase with less money down and no PMI
  • Down payment as low as 10%
  • Your first mortgage will cover up to 80% of the purchase price
  • You'll receive a second mortgage for 10% of the purchase price

Get the details. Call us at 1-800-633-5217. Or, send us an electronic request to request a call from an experienced mortgage loan officer.

Ready to make your dreams come true? APPLY ONLINE.

Quick Link: Mortgage Calculators

Powerco is proud to offer members junk fee free home loans!

1. The 80/10/10 fixed rate mortgage loan is available on a single family, detached, owner-occupied dwelling. To qualify, both the first and second mortgage must be with Powerco Federal Credit Union. Second mortgage not to exceed a 15-year term and the loan-to-value (LTV) cannot exceed 90%. Maximum loan amounts: first mortgage, $484,350.00; second mortgage, $50,000.00. Minimum second mortgage is $10,000.00. There are no prepayment penalties. Private Mortgage Insurance (PMI) is not required. Normal closing costs apply. This loan is only available in Georgia and Mississippi. All normal qualifications apply. Not everyone will qualify for this product. Rates and terms are based on current market conditions, borrower’s eligibility and are subject to change daily. Consult a tax advisor regarding the deductibility of interest. Additional conditions or restrictions may apply. For complete details, contact a Powerco Mortgage Loan Officer. This information is not an offer to extend credit as defined by Section 226.2 of Regulation Z. This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143 
2. Applies to Powerco’s in-house mortgage program.

NCUA

This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender