Credit union · NCUA insured
Publix Employees Federal Credit Union Credit Card Rates
Publix Employees Federal Credit Union credit cards start at 11.24% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Publix Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Lakeland, FL, where Publix Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Publix Employees Federal Credit Union
11.24%APR
- Up to
- —
PEFCU Visa® Opal Card
Lowest rate
Faith Connection FCU
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Floridacentral Credit Union
9.49%APR
- Up to
- —
Publix Employees Federal Credit Union credit card score
76
Credit card score
Higher than 42% of U.S. banks and credit unions
- Purchase APRPurchase APR11.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Publix Employees Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
PEFCU Visa® Jade Card
Earn Perx Rewards. Same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees. Must become a PEFCU member to apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.24% | None | As low as 13.24%. Stated as same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees. |
Sources (1)
- pefcu.com/cards · captured Oct 15, 2026
PEFCU Visa® Opal Card
Same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees. Must become a PEFCU member to apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.24% | None | As low as 11.24%. Stated as same low rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees. |
Sources (1)
- pefcu.com/cards · captured Oct 15, 2026
PEFCU Visa® Topaz Card
Secured credit card. Same low, non-variable rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees. Must become a PEFCU member to apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Fixed rate of 17.99%. Stated as same low, non-variable rate for balance transfers, cash advances, and purchases with no balance transfer or cash advance fees. |
Sources (1)
- pefcu.com/cards · captured Oct 15, 2026
Visa® Credit Card
Must be a PEFCU member to apply. No fee for balance transfers or cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.24% | None | Variable rate as low as 13.24% (Jade Card). Rate is based on creditworthiness. |
Sources (2)
All captured Sep 24, 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.