What are the current interest rates at Power Co-Op Employees Credit Union?

Current rates for Power Co-Op Employees Credit Union include: Savings: 0.50%

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Power Co-Op Employees Credit Union

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Power Co-Op Employees Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Power Co-Op Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Power Co-Op Employees Credit Union's savings rates are at 0.50%. Power Co-Op Employees Credit Union's Auto Loan Rates are as low as 2.99%. MonitorBankRates evaluates the financial stability of Power Co-Op Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.21%. Rates last updated and verified on 09/22/2026.

Power Co-Op Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Power Co-Op Employees Credit Union? Share your experience about Power Co-Op Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Power Co-Op Employees Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Power Co-Op Employees Credit Union
Power Co-op Employees CU

1208 13th St N
Humboldt, IA 50548

https://www.powercoopcu.com

Power Co-Op Employees Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club Savings Account	0.50%	0.50%
Details Dividend rate will be 0.50% higher than the third quarter dividend rate each year. Historically speaking this rate has been higher than 1.00%. No withdrawals may be made from this account without closing the account. The balance of this account will be disbursed on or about October 31 of each year. A maximum of $200 per month may be deposited with a maximum annual deposit total of $2,400.00. If you close your account before interest is paid, you will not receive the accrued dividend. The interest rate and annual percentage yield may change every year. We may change the interest rate for your account as determined by the credit union board of directors. There is a $10.00 early closure fee. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%

Power Co-Op Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR
2024 & 2025 & 2026 New Cars Loan	-	-	2.99%
Details As Low As; 90% Financing Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%
2024 & 2025 & 2026 New Cars Loan	-	-	3.49%
Details As Low As; 100% Financing Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%

Power Co-Op Employees Credit Union Other Rates

Product	Rate	Points	APY/APR
2023, 24, 25 USED Loan	-	-	4.49%
Details As Low As; 100% Financing Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%
2023, 24, 25 USED Loan	-	-	3.99%
Details As Low As; 90% Financing Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%
Consumer Goods NEW 100% borrowed Loan	-	-	4.99%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%
Consumer Goods NEW 20% Down Loan	-	-	3.99%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Power Co-Op Employees Credit Union’s Texas Ratio rose from 3.31% in Q2 2023 to 4.21% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$84M	4.21%	5.0	A+
December 31, 2025	$81M	6.62%	5.0	A
September 30, 2025	$76M	17.22%	4.8	B+
June 30, 2025	$75M	11.32%	5.0	A
March 31, 2025	$74M	3.32%	5.0	A+
December 31, 2024	$70M	3.97%	5.0	A+
September 30, 2024	$69M	2.00%	5.0	A+
June 30, 2024	$67M	1.52%	5.0	A+
March 31, 2024	$68M	2.35%	5.0	A+
December 31, 2023	$64M	3.01%	5.0	A+
September 30, 2023	$61M	3.34%	5.0	A+
June 30, 2023	$59M	3.31%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Power Co-Op Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Power Co-Op Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Power Co-Op Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Power Co-Op Employees Credit Union

Website https://www.powercoopcu.com

Address 1208 13th St N, Humboldt, IA 50548

Phone 515-332-4096

Fax 515-332-2832

President Hannah Himrod

CEO Andrea Harms

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.21%

Return on Assets (ROA)

0.2726%

Return on Equity (ROE)

2.0009%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

83,555,453

Total Amount of Shares and Deposits

71,487,007

Total Shares and Deposits < 1 Year

71,487,007

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,838,655

Total Uninsured Shares and Deposits > $250K (F+J)

4,838,655

Total Insured Shares and Deposits > $250K (item 17 less item K)

66,648,352

Total Interest Expense (Sum of items 6 8)

560,657

Share Certificates

738

Number of Accounts for Share Drafts

971

Number of Accounts for Regular Shares

3,285

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

171,382

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,771,211

Total Liabilities

72,170,684

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Power Co-Op Employees Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Power Co-Op Employees Credit Union

How many branches does Power Co-Op Employees Credit Union operate?

Power Co-Op Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Power Co-Op Employees Credit Union?

Yes, to access services at Power Co-Op Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Power Co-Op Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Power Co-Op Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Power Co-Op Employees Credit Union offer online and mobile banking?

Most modern institutions like Power Co-Op Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.powercoopcu.com.