--- title: "Powernet Credit Union Rates (Nov 2026): Vehicle 3.99%" description: "Powernet Credit Union rates today: vehicle loans from 3.99% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Powernet Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/powernet" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Powernet Credit Union Rates (Nov 2026): Vehicle 3.99% ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Used Mobile Homes** auto_used | — APR | 3.490% | used | Standard | | **New & Used Harley Davidson** auto_any | — APR | 3.490% | any | Standard | | **New & Used Auto rates: (up to 12 Months)** auto_any_12mo | 3.990% APR | 3.490% | 12 mo · any | Standard | | **New & Used Auto rates: (13 - 42 Months)** auto_any_42mo | 4.740% APR | 4.240% | 42 mo · any | Standard | | **New & Used Auto rates: (43 - 60 Months)** auto_any_60mo | 5.490% APR | 4.990% | 60 mo · any | Standard | | **New & Used Auto rates: (61 - 72 Months)** auto_any_72mo | 5.990% APR | 5.490% | 72 mo · any | Standard | | **New & Used Boats** boat_any | — APR | 7.000% | any | Standard | | **Motorcycle Loan** motorcycle | 7.000% APR | 7.000% | — | Standard | | **New Travel Trailers/RV** rv_new | 7.500% APR | 7.500% | new | Standard | | **Used Travel Trailers/RV** rv_used | — APR | 7.500% | used | Standard | | **New Mobile Homes** auto_new | 10.500% APR | 10.500% | new | Standard | Powernet Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Loan** personal | — APR | 9.950% | — | Standard | Powernet Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Round Up Rewards** other | — APR | 5.000% | — | Standard | Powernet Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Super Share Draft ($2,500 min)**** checking | — APY | 0.10% | — | Standard | | **IRA** ira | — APY | 0.25% | — | Standard | | **Less than $2,500** savings | — APY | 0.25% | — | Standard | | **Shares ($100 min)**** savings | — APY | 0.25% | — | Standard | | **$2,500 - $4,999.99** savings | — APY | 1.15% | — | Standard | | **$5,000 - $9,999.99** savings | — APY | 1.25% | — | Standard | | **$10,000 - $24,999.99** savings | — APY | 1.30% | — | Standard | | **$25,000 - 49,999.99** savings | — APY | 1.40% | — | Standard | | **Greater than $50,000** savings | — APY | 1.50% | — | Standard | | **24 Month Certificate ($500 min.)** cd_24mo | — APY | 3.40% | 24 mo | Context only | | **12 Month Certificate ($500 min.)** cd_12mo | — APY | 3.50% | 12 mo | Context only | | **36 Month Certificate ($500 min.)** cd_36mo | — APY | 3.50% | 36 mo | Context only | | **6 Month Certificate ($500 min.)** cd_6mo | — APY | 3.60% | 6 mo | Context only | | **48 Month Certificate ($500 min.)** cd_48mo | — APY | 3.60% | 48 mo | Context only | | **60 Month Certificate ($500 min.)** cd_60mo | — APY | 3.60% | 60 mo | Context only | Powernet Credit Union savings & cd rates as of November 13, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Farm Equipment** equipment | — APR | 3.490% | — | Advertised floor | Powernet Credit Union equipment loan rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Computers** other | 9.950% % | 9.950% | — | Standard | Powernet Credit Union other rates as of November 13, 2026 Vehicle loans available from 3.99% APR for 12 months. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/powernet) , verified from [Powernet Credit Union's official website](https://powernetcu.org/) Best product position **Room to improve vs. the Florida median** new-car loan Gap to state best **726 bp** 726 bp from state best Vs. state median **533 bp behind median** new-car loan Products ranked **1** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 10.50% | Room to improve vs. the Florida median | 726 bp from state best | 533 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Powernet Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=powernet&state=florida&code=FL&name=Powernet%20Credit%20Union) Loading branch locator… ## About Powernet Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.8K Assets $125.2M Founded 1961 Locations reported 3 NCUA charter 68042 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Trax** Main · Tampa · FL · 33619 About 2.0 miles away](https://rateapi.dev/credit-unions/florida/trax) [**Transport** Main Office · Tampa · FL · 33619 About 2.3 miles away](https://rateapi.dev/credit-unions/florida/transport) [**Florida West Coast** MELBOURNE · Tampa · FL · 33605 About 2.5 miles away](https://rateapi.dev/credit-unions/florida/florida-west-coast) [**Grow Financial** Busch Boulevard Branch · Temple Terrace · FL · 33617-5404 About 2.7 miles away](https://rateapi.dev/credit-unions/florida/grow-financial) [**GTE** Temple Terrace · Temple Terrace · FL · 33617 About 2.8 miles away](https://rateapi.dev/credit-unions/florida/gte) [**Together** Tampa · Tampa · FL · 33612-8737 About 3.7 miles away](https://rateapi.dev/credit-unions/missouri/together) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Powernet Credit Union Membership eligibility from Powernet Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Powernet Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Powernet Credit Union's membership page](https://powernetcu.org/) . Final membership determination is always made by the credit union. ## Work at Powernet Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Powernet Credit Union ranks against Florida peers. - See which AI assistants fetched Powernet Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=powernet&state=florida&code=FL&name=Powernet%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Powernet Credit Union offer? Powernet Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Powernet Credit Union rates updated? RateAPI verifies Powernet Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Powernet Credit Union's rate data? Rate data is collected directly from Powernet Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Powernet Credit Union's auto, rv, boat & motorcycle loan rates? As of November 13, 2026, Powernet Credit Union offers vehicle loans from 3.99% APR. ### Who can join Powernet Credit Union? Powernet Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Powernet Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://powernetcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Powernet Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Powernet Credit Union curl "https://api.rateapi.dev/credit-unions/florida /powernet " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Powernet Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/powernet Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp