Credit union · NCUA insured
Publix Employees Federal Credit Union
A $1.8B credit union, the 283rd largest of 4,329, headquartered in Lakeland, FL, with 124,804 members and 10 branches in 2 states. Best rates: CDs 4.75% and savings 1.05% APY.
Publix Employees Federal Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#8 of 15 in Lakeland, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Publix Employees Federal Credit Union
Headquartered in Lakeland, Florida, Publix Employees Federal Credit Union is a member-owned cooperative founded in 1957 to meet the financial needs of Publix Super Markets, Inc. associates and their family members.
The credit union operates nine full-service branch offices in Florida and one full-service branch in Lawrenceville, Georgia.
- Headquarters
- 3005 New Tampa Hwy, Lakeland, FL 33815-3468
- NCUA charter
- 23020
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Publix Super Markets, Inc. Associates are eligible for membership.
- Retired Associates of Publix Super Markets, Inc. are eligible for membership.
Family and household
- Immediate Family Members of Publix Associates are eligible for membership.
- Household Members of Publix Associates are eligible for membership.
Cost to join
- All members must open a savings account (Prime Share Account) with a minimum $5 deposit.
Branches
10 branches in 2 states
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Florida
9 branches
Lakeland area · 3
- Publix Employees Federal Credit UnionMain office3005 New Tampa Hwy, Lakeland, FL 33815Directions
- PEFCU/Lakeland Branch3005 New Tampa Hwy, Lakeland, FL 33815Directions
- PEFCU/Oakbridge Branch1215 N Parkway Frontage Rd, Lakeland, FL 33803Directions
Jacksonville area · 2
- PEFCU/Kendall Town Branch9730 Hutchinson Park Dr, Jacksonville, FL 32225Directions
- PEFCU/Mandarin Branch11112 San Jose Blvd, Ste 5, Jacksonville, FL 32223Directions
Miami area · 2
- PEFCU/Pembroke Pines Branch219 N University Dr, Pembroke Pines, FL 33024Directions
- PEFCU/Royal Palm Beach Branch11957 Southern Blvd, Royal Palm Beach, FL 33411Directions
Orlando area · 1
- PEFCU/Altamonte Springs Branch482 E Altamonte Dr Ste 1010, Altamonte Springs, FL 32701Directions
North Port area · 1
- PEFCU/Sarasota Branch3564 Clark Rd, Sarasota, FL 34231Directions
Georgia
1 branch
- PEFCU/Lawrenceville Branch3340 Sugarloaf Pkwy, Lawrenceville, GA 30044Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.29% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.48% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.96% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $69 | $88 | — |
- CapitalNet worth ratio11.29%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.48%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.96%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$69Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Publix Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.