What are the current interest rates at Peach State Federal Credit Union?

Current rates for Peach State Federal Credit Union include: 12-Month CD: 3.40%, 24-Month CD: 3.10%, 60-Month CD: 3.15%, MMA: 0.50%

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Peach State Federal Credit Union

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Peach State Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peach State Federal 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 21, 2026

Peach State Federal Credit Union's 1 Year Advantage CD rates are at 3.65%, 1 Year Loyalty Term CD rates are at 3.65%, 1 Year Term CD rates are at 3.50%, 1 Year Freedom Term CD rates are at 3.40%, 5 Year Advantage CD rates are at 3.40%. Peach State Federal Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Peach State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.48%. Rates last updated and verified on 09/21/2026.

Peach State Federal 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 Peach State Federal Credit Union? Share your experience about Peach State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Peach State Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.48%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Peach State Federal Credit Union
Lawrenceville

40 E Pike St
Lawrenceville, GA 30046-4934

https://www.peachstatefcu.org

Peach State Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Advantage Share Certificate	3.59%	3.65%	1 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
1 Year Loyalty Term Share Certificate	3.59%	3.65%	1 Year
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
1 Year Term Share Certificate	3.45%	3.50%	1 Year
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
1 Year Freedom Term Share Certificate	3.35%	3.40%	1 Year
Min Deposit $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
5 Year Advantage Share Certificate	3.35%	3.40%	5 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
5 Year Loyalty Term Share Certificate	3.35%	3.40%	5 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
4 Year Loyalty Term Share Certificate	3.25%	3.30%	4 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
2 Year Loyalty Term Share Certificate	3.20%	3.25%	2 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
6 Month Term Share Certificate	3.20%	3.25%	6 Months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
3 Year Loyalty Term Share Certificate	3.15%	3.20%	3 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
5 Year Term Share Certificate	3.11%	3.15%	5 Years
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
2 Year Term Share Certificate	3.06%	3.10%	2 Years
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
4 Year Term Share Certificate	3.06%	3.10%	4 Years
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
3 Year Term Share Certificate	2.96%	3.00%	3 Years
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

Peach State Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000.00 & Over; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Money Market Account	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000.00-$99,999.99; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Money Market Account	0.99%	1.00%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Money Market Account	0.50%	0.50%
Min Balance $0 Details Balance: $0-$9,999.99; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

Peach State Federal Credit Union Checking Rates

Product	Rate	APY	View More
Premium Checking	0.15%	0.15%
Min Balance $1,000 Details Dividend earnings on your balance. NO per-check charges. FREE ATM deposits and withdrawals at Peach State ATMs. 6 FREE transactions per month at ATMs within the Visa , MoneyPass , Presto! , or accel networks. FREE pre-authorized automatic drafts. FREE direct deposits. 1 Balance inquiries are $0.50 each. Effective December 22, 2025 *APY - Annual Percentage Yield. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

Peach State Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Cub Account	2.96%	-	3.00%
Min Balance $0 Details Balance: $0-$100.00; Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership eligibility. Penalties may apply for early withdrawals. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Cub Account	0.25%	-	0.25%
Min Balance $100 Details Balance: $100.01 & Over; Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership eligibility. Penalties may apply for early withdrawals. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Peach State Federal Credit Union’s Texas Ratio fell from 3.19% in Q2 2023 to 2.48% 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	$1.1B	2.48%	5.0	A+
December 31, 2025	$1.1B	3.34%	5.0	A+
September 30, 2025	$1.1B	3.13%	5.0	A+
June 30, 2025	$1.1B	3.14%	5.0	A+
March 31, 2025	$1.1B	2.68%	5.0	A+
December 31, 2024	$1.0B	3.15%	5.0	A+
September 30, 2024	$1.0B	3.05%	5.0	A+
June 30, 2024	$935M	2.94%	5.0	A+
March 31, 2024	$934M	9.00%	5.0	A
December 31, 2023	$963M	8.46%	5.0	A
September 30, 2023	$971M	5.40%	5.0	A+
June 30, 2023	$949M	3.19%	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 Peach State Federal 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 Peach State Federal 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 Peach State Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Peach State Federal Credit Union

Website https://www.peachstatefcu.org

Address 40 E Pike St, Lawrenceville, GA 30046-4934

Phone 678-889-4328

Fax 678-225-4518

President George Martin

CEO R. Marshall Boutwell

Full-Time Employees 249

Part-Time Employees 11

Branch Locations 29

ATM Locations 25

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.48%

Return on Assets (ROA)

0.1932%

Return on Equity (ROE)

2.1698%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

1,112,126,031

Total Amount of Shares and Deposits

1,005,907,312

Total Shares and Deposits < 1 Year

958,110,094

Total Shares and Deposits 1 3 Years

28,556,511

Total Shares and Deposits > 3 Years

19,240,707

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

47,092,317

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

47,092,317

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

958,814,995

Total Interest Expense (Sum of items 6 8)

3,032,308

Share Certificates

6,611

Number of Accounts for Share Drafts

48,261

IRA KEOGH Accounts

1,670

Number of Accounts for Regular Shares

97,957

All other shares

11,027

Money Market Shares

1,198

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)

167,668,496

Total Liabilities

1,013,787,906

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Peach State Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Peach State Federal Credit Union

How many branches does Peach State Federal Credit Union operate?

Peach State Federal 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 Peach State Federal Credit Union?

Yes, to access services at Peach State Federal 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, Peach State Federal 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, Peach State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Peach State Federal Credit Union offer online and mobile banking?

Most modern institutions like Peach State Federal 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.peachstatefcu.org.