Credit union · NCUA insured
Publix Employees Federal Credit Union CD Rates
Publix Employees Federal Credit Union’s best CD rate is 4.75% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 17, 2026.
How Publix Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lakeland, FL, where Publix Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
Regular Certificates
2nd-highest rate
Suncoast Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
3rd-highest rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
Publix Employees Federal Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.22%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.49%
- 31–60 months31–60 mo3.44%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Publix Employees Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
JUMBO Regular Certificates
Up to 4.75%APY · 7 terms
Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.33% | — |
| 9 monthsFootnote mentions 4.60% APY accurate as of 7/15/2026 for 10-month renewing to 12-month; table states 9 Months* with 4.65% dividend rate and 4.75% APY. Share certificates page notes 9-month certificate dividends are paid at maturity | 4.75% | — |
| 12 months | 3.75% | — |
| 24 months | 3.60% | — |
| 36 months | 3.55% | — |
| 48 months | 3.19% | — |
| 60 months | 3.44% | — |
Sources (2)
- pefcu.com/accounts/investments/deposit-rates-savings
- pefcu.com/accounts/investments/share-certificates
All captured Oct 15, 2026
Regular Certificates
Up to 4.65%APY · 7 terms
Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
| Term | APY · $100 and up | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 3.22% | — | 3.22% | $160 |
| 9 months4.50% APY footnote note refers to 7/15/2026 accurate as of, 10-month renewing to 12-month. Schedule lists 9 Months* with 4.551% dividend rate, 4.65% APY. Share certificates page notes 9-month certificate dividends are paid at maturity | — | — | 4.65% | 4.65% | $347 |
| 12 months | — | — | 3.65% | 3.65% | $365 |
| 12 monthsYouth Cert. Available to members under 18 years of age - 12 month term | 3.65% | — | — | 3.65% | $365 |
| 24 months | — | — | 3.49% | 3.49% | $710 |
| 36 months | — | — | 3.44% | 3.44% | $1,068 |
| 48 months | — | — | 3.09% | 3.09% | $1,294 |
| 60 months | — | — | 3.34% | 3.34% | $1,785 |
Sources (2)
- pefcu.com/accounts/investments/deposit-rates-savings
- pefcu.com/accounts/investments/share-certificates
All captured Oct 15, 2026
Special-purpose accounts
JUMBO IRA Certificates
Up to 4.75%APY · 7 terms
Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.33% | — |
| 9 monthsFootnote mentions 4.60% APY accurate as of 7/15/2026 for 10-month renewing to 12-month; table states 9 Months* with 4.65% dividend rate and 4.75% APY | 4.75% | — |
| 12 months | 3.75% | — |
| 24 months | 3.60% | — |
| 36 months | 3.55% | — |
| 48 months | 3.19% | — |
| 60 months | 3.44% | — |
Sources (2)
All captured Oct 15, 2026
IRA Certificates
Up to 4.65%APY · 7 terms
Membership qualification required. Traditional and Roth IRAs available. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
| Term | APY · $100 and up | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 3.22% | — | 3.22% | $160 |
| 9 months4.50% APY footnote note refers to 7/15/2026 accurate as of, 10-month renewing to 12-month. Schedule lists 9 Months* with 4.551% dividend rate, 4.65% APY | — | — | 4.65% | 4.65% | $347 |
| 12 months | — | — | 3.65% | 3.65% | $365 |
| 12 monthsYouth Cert. Available to members under 18 years of age - 12 month term | 3.65% | — | — | 3.65% | $365 |
| 24 months | — | — | 3.49% | 3.49% | $710 |
| 36 months | — | — | 3.44% | 3.44% | $1,068 |
| 48 months | — | — | 3.09% | 3.09% | $1,294 |
| 60 months | — | — | 3.34% | 3.34% | $1,785 |
Sources (2)
All captured Oct 15, 2026
Who can join Publix Employees Federal Credit Union
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.
Membership information collected October 5, 2026.