Credit union · NCUA insured
PowerNet Credit Union CD Rates
PowerNet Credit Union’s best CD rate is 3.60% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How PowerNet Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where PowerNet Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PowerNet Credit Union
3.60%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $178
Share Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
PowerNet Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where PowerNet Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.60%APY · 6 terms
May invest from 6 months to 60 months. Earnings compound within the CD or posted monthly to share or share draft account. Fixed rate until maturity. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalties may apply. Rates subject to change | 3.60% | $178 |
| 12 monthsEarly withdrawal penalties may apply. Rates subject to change | 3.50% | $350 |
| 24 monthsEarly withdrawal penalties may apply. Rates subject to change | 3.40% | $692 |
| 36 monthsEarly withdrawal penalties may apply. Rates subject to change | 3.50% | $1,087 |
| 48 monthsEarly withdrawal penalties may apply. Rates subject to change | 3.60% | $1,520 |
| 60 monthsEarly withdrawal penalties may apply. Rates subject to change | 3.60% | $1,934 |
Sources (1)
- powernetcu.org/index.php/accounts · captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.60%APY · 6 terms
Traditional and Roth IRAs with certificates of deposit from 6-months to 60-months. Tax-preferred treatment, insured up to $500,000 per member. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable for Traditional and Roth IRAs. Early withdrawal penalties may apply. Rates subject to change | 3.60% | $178 |
| 12 monthsAvailable for Traditional and Roth IRAs. Early withdrawal penalties may apply. Rates subject to change | 3.50% | $350 |
| 24 monthsAvailable for Traditional and Roth IRAs. Early withdrawal penalties may apply. Rates subject to change | 3.40% | $692 |
| 36 monthsAvailable for Traditional and Roth IRAs. Early withdrawal penalties may apply. Rates subject to change | 3.50% | $1,087 |
| 48 monthsAvailable for Traditional and Roth IRAs. Early withdrawal penalties may apply. Rates subject to change | 3.60% | $1,520 |
| 60 monthsAvailable for Traditional and Roth IRAs. Early withdrawal penalties may apply. Rates subject to change | 3.60% | $1,934 |
Who can join PowerNet Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to organizations and affiliations of Florida Building and Construction unions, including employees of the unions.
- Membership is open to all Florida Building and Construction unions, their members, and retirees as pensioners or annuitants of local unions.
Family and household
- Membership is open to relatives of union employees and relatives of union members.
- Membership is open to spouses of members that died while a member.
Cost to join
- To open an account, a $5 share deposit is required to open a savings account; there are no fees to join.
Membership information collected October 5, 2026.