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

Current rates for Peach State Federal Credit Union include: 12-Month CD: 3.65%, 24-Month CD: 3.35%, 60-Month CD: 3.15%, MMA: 2.25%

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Peach State Federal Credit Union

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Peach State Federal Credit Union Rates & Review October 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: October 9, 2026

Peach State Federal Credit Union's top rates as of October 9, 2026 are 3.90% APY on its 1 Year Advantage CD, 2.25% APY on money market accounts, and 0.15% APY on checking, according to rates verified by MonitorBankRates. Other Peach State Federal Credit Union CD rates include 1 Year Loyalty Term CD at 3.90%, 1 Year Term CD at 3.75%, and 1 Year Freedom Term CD at 3.65%. 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 2.27%. Rates last updated and verified on 10/09/2026.

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 Q2 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

2.27%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Peach State Federal Credit Union
Lakes Parkway

1505 Lakes Pkwy Ste 100
Lawrenceville, GA 30043

https://www.peachstatefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Peach State Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Advantage Share Certificate	3.83%	3.90%	1 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65% Sep 29, 20263.90%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
1 Year Loyalty Term Share Certificate	3.83%	3.90%	1 Year
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65% Sep 29, 20263.90%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
1 Year Term Share Certificate	3.69%	3.75%	1 Year
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Sep 29, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
1 Year Freedom Term Share Certificate	3.59%	3.65%	1 Year
Min Deposit $2,500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Sep 29, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
2 Year Loyalty Term Share Certificate	3.45%	3.50%	2 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Sep 29, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
6 Month Term Share Certificate	3.45%	3.50%	6 Months
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Sep 29, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Advantage Share Certificate	3.35%	3.40%	5 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Loyalty Term Share Certificate	3.35%	3.40%	5 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
2 Year Term Share Certificate	3.30%	3.35%	2 Years
Min Deposit $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10% Sep 29, 20263.35%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
4 Year Loyalty Term Share Certificate	3.25%	3.30%	4 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 Year Loyalty Term Share Certificate	3.15%	3.20%	3 Years
Min Deposit $10,000 Details Plus 5 Years of Membership Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Term Share Certificate	3.11%	3.15%	5 Years
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
4 Year Term Share Certificate	3.06%	3.10%	4 Years
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 Year Term Share Certificate	2.96%	3.00%	3 Years
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
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. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
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. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
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. All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Peach State Federal Credit Union Checking Rates

Product	Rate	APY
Premium Checking Account	0.15%	0.15%
Min Balance $1,000 Details Balance: Up to $5,000.00; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Premium Checking Account	0.15%	0.15%
Min Balance $5,000 Details Balance: Over $5,000.01; This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Cub Account	0.25%	-	0.25%
Min Balance $100 Details Balance: $100.01 & Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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 5.40% in Q3 2023 to 2.27% in Q2 2026, so its financial health has improved and is now 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
June 30, 2026	$1.1B	2.27%	5.0	A+
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+

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 1505 Lakes Pkwy Ste 100, Lawrenceville, GA 30043

Phone 678-889-4328

Fax 678-225-4518

President George Martin

CEO R. Marshall Boutwell

Full-Time Employees 248

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

2.27%

Return on Assets (ROA)

0.4021%

Return on Equity (ROE)

4.4432%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

1,119,945,792

Total Amount of Shares and Deposits

1,008,077,852

Total Shares and Deposits < 1 Year

957,722,479

Total Shares and Deposits 1 3 Years

30,364,018

Total Shares and Deposits > 3 Years

19,991,355

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

45,305,823

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

45,305,823

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

962,772,029

Total Interest Expense (Sum of items 6 8)

6,056,676

Share Certificates

6,675

Number of Accounts for Share Drafts

47,999

IRA KEOGH Accounts

1,664

Number of Accounts for Regular Shares

97,673

All other shares

11,188

Money Market Shares

1,189

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)

156,361,565

Total Liabilities

1,019,376,068

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Peach State Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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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.