What are the current interest rates at Publix Employees Federal Credit Union?

Current rates for Publix Employees Federal Credit Union include: 12-Month CD: 3.65%, 24-Month CD: 3.49%, 60-Month CD: 3.34%, MMA: 3.75%

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Publix Employees Federal Credit Union

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Publix Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Publix Employees 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 13, 2026

Publix Employees Federal Credit Union's top rates as of October 13, 2026 are 4.60% APY on its 10 Month JUMBO Regular & IRA CDs CD, 3.75% APY on money market accounts, and personal loans from 9.50% APR, according to rates verified by MonitorBankRates. Other Publix Employees Federal Credit Union CD rates include Regular & IRA CDs - 10 month at 4.50%, 1 Year JUMBO Regular & IRA CDs at 3.75%, and 12 Month Regular & IRA CDs - Youth Cert at 3.65%. MonitorBankRates evaluates the financial stability of Publix Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates last updated and verified on 10/13/2026.

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

2.50%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Publix Employees Federal Credit Union
Publix Employees Federal Credit Union

3005 New Tampa Hwy
Lakeland, FL 33815-3468

https://www.pefcu.com

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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.

Publix Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
10 Month JUMBO Regular & IRA Certificates	4.51%	4.60%	10 Months
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000; 4.60% APY is only available for members with a minimum account balance of $1,000. Automatically renews as a 12-month certificate at maturity at then-current rate and terms. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 10 month	4.41%	4.50%	10 Months
Min Deposit $1,000 Min Balance $1,000 Details APY requires minimum account balance of $1,000; Matures and auto-renews as 12-month certificate at then-current rate; Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
1 Year JUMBO Regular & IRA Certificates	3.70%	3.75%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
12 Month Regular & IRA Certificates - Youth Cert	3.60%	3.65%	12 months
Min Deposit $100 Min Balance $100 Details Available to members under 18 years of age; Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 1 Year	3.60%	3.65%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
2 Year JUMBO Regular & IRA Certificates	3.55%	3.60%	2 Year
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
3 Year JUMBO Regular & IRA Certificates	3.50%	3.55%	3 Year
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 2 Year	3.45%	3.49%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
5 Year JUMBO Regular & IRA Certificates	3.40%	3.44%	5 Year
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 3 Year	3.40%	3.44%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.44% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 5 Year	3.30%	3.34%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.34% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
6 Month JUMBO Regular & IRA Certificates	3.30%	3.33%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.33% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 6 month	3.20%	3.22%	6 Months
Min Deposit $500 Min Balance $500 Details Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.22% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
4 Year JUMBO Regular & IRA Certificates	3.15%	3.19%	4 Year
Min Deposit $100,000 Min Balance $100,000 Details Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.19% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Regular & IRA Certificates - 4 Year	3.05%	3.09%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Effective 10/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.09% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Publix Employees Federal Credit Union Savings Rates

Product	Rate	APY
Stock Club	4.94%	5.00%
Min Balance $0 Details Balance: $0-$2,500; Required to Open Account: $0-$2,500; Required to Earn APY: Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Stock Club	2.47%	2.50%
Min Balance $2,501 Details Balance: $2,501-$5,000; Required to Open Account: $2,501-$5,000; Required to Earn APY: Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Prime IRA Club	0.25%	0.25%
Min Deposit $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Special Clubs	0.20%	0.20%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Stock Club	0.05%	0.05%
Min Balance $0 Details Balance: >$5,000; Required to Open Account: >$5,000; Required to Earn APY: Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Publix Employees Federal Credit Union Money Market Rates

Product	Rate	APY
High-Yield Money Market Tiers	3.685%	3.75%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999; Minimum to open is $25,000; Restrictions apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75% Oct 13, 20263.75%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
High-Yield Money Market Tiers	3.685%	3.75%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Minimum to open is $25,000; Restrictions apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75% Oct 13, 20263.75%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
High-Yield Money Market Tiers	3.685%	3.75%
Min Deposit $25,000 Min Balance $250,000 Details Balance: >$250,000; Minimum to open is $25,000; Restrictions apply Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 3.75% ▼ 0.75 pts · high 4.50% / low 3.75% Oct 13, 20263.75%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
High-Yield Money Market Tiers	1.04%	1.05%
Min Deposit $25,000 Min Balance $1,000 Details Balance: $1,000 - $24,999; Minimum to open is $25,000; Restrictions apply; balances below $1,000 will not earn dividend and APY Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 1.05% ▼ 3.45 pts · high 4.50% / low 1.05% Oct 13, 20261.05%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Money Market	1.04%	1.05%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Publix Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.49%
Details As Low As; Annual Percentage Rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Publix Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.50%
Details As Low As; Annual Percentage Rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

Publix Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Loans	6.16%	-	6.197%
Details As Low As; APR based on a $832,750 loan amount, 20% down payment, and 180 monthly payments. Offer of credit is subject to credit approval. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 5.45% → 6.20% ▲ 0.75 pts · high 6.76% / low 5.45% Oct 9, 20266.20%▲ from 5.92% Oct 2, 20265.92%▼ from 6.76% Sep 25, 20266.76%▲ from 5.63% Sep 21, 20265.63%▲ from 5.45% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%
Prime Share	0.05%	-	0.05%
Min Deposit $5 Min Balance $50 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.50%

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

Publix Employees Federal Credit Union’s Texas Ratio rose from 1.34% in Q3 2023 to 2.50% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$1.8B	2.50%	5.0	A+
March 31, 2026	$1.8B	1.92%	5.0	A+
December 31, 2025	$1.7B	2.12%	5.0	A+
September 30, 2025	$1.6B	1.29%	5.0	A+
June 30, 2025	$1.6B	0.97%	5.0	A+
March 31, 2025	$1.6B	1.07%	5.0	A+
December 31, 2024	$1.5B	1.51%	5.0	A+
September 30, 2024	$1.5B	1.17%	5.0	A+
June 30, 2024	$1.5B	1.22%	5.0	A+
March 31, 2024	$1.5B	1.00%	5.0	A+
December 31, 2023	$1.4B	1.05%	5.0	A+
September 30, 2023	$1.4B	1.34%	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 Publix Employees 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 Publix Employees 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 Publix Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Publix Employees Federal Credit Union

Website https://www.pefcu.com

Address 3005 New Tampa Hwy, Lakeland, FL 33815-3468

Phone 863-683-6404

Fax 863-687-4243

President William Rayburn

CEO Jeremiah Kossen

Full-Time Employees 263

Part-Time Employees 11

Branch Locations 12

ATM Locations 9

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

2.50%

Return on Assets (ROA)

0.4638%

Return on Equity (ROE)

4.1062%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

1,800,244,588

Total Amount of Shares and Deposits

1,603,485,787

Total Shares and Deposits < 1 Year

1,461,452,761

Total Shares and Deposits 1 3 Years

132,857,568

Total Shares and Deposits > 3 Years

9,175,457

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

159,034,559

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

159,034,559

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

1,444,451,228

Total Interest Expense (Sum of items 6 8)

15,052,483

Share Certificates

10,472

Number of Accounts for Share Drafts

95,973

IRA KEOGH Accounts

4,863

Number of Accounts for Regular Shares

150,145

Money Market Shares

7,436

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)

149,932,860

Total Liabilities

1,626,626,152

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Publix Employees 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.

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Publix Employees Federal Credit Union

How many branches does Publix Employees Federal Credit Union operate?

Publix Employees 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 Publix Employees Federal Credit Union?

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

Does Publix Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Publix Employees 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.pefcu.com.

Current Publix Employees Federal Credit Union Rates

12-Month CD3.65%
24-Month CD3.49%
60-Month CD3.34%
MMA3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Publix Employees Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Publix Employees Federal Credit Union Texas Ratio

Publix Employees Federal Credit Union Health Trend

Publix Employees Federal Credit Union CD Rates

Publix Employees Federal Credit Union Savings Rates

Publix Employees Federal Credit Union Money Market Rates

Publix Employees Federal Credit Union Auto Loan Rates

Publix Employees Federal Credit Union Personal Loan Rates

Publix Employees Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Publix Employees Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Publix Employees Federal Credit Union

How many branches does Publix Employees Federal Credit Union operate?

Is a member application needed to join Publix Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Publix Employees Federal Credit Union offer online and mobile banking?

Current Publix Employees Federal Credit Union Rates

Compare to Other Credit Unions