Credit union · NCUA insured
Publix Employees Federal Credit Union Savings Rates
Publix Employees Federal Credit Union’s best savings rate is 1.05% APY on $10,000, with its Money Market. Rates checked October 17, 2026.
How Publix Employees Federal Credit Union’s savings 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
1.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $105
Money Market
Top rate
Suncoast Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $300
2nd-highest rate
PenFed Credit Union
2.70%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $270
Publix Employees Federal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.05%
- $10,000 balance$10,0001.05%
- $100,000 balance$100,0001.05%
- QualifiedQualified1.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Money Market
1.05%APY
To qualify, member must have a checking account with a debit card, or have an active and current loan with PEFCU.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $24,999Balances below $1,000 will not earn dividend and APY. Restrictions apply. | 1.05% | $105 | Balances below $1,000 will not earn dividend and APY. Restrictions apply. |
| $25,000 – $99,999Restrictions apply. | 3.75% | — | Restrictions apply. |
| $100,000 – $249,999Restrictions apply. | 3.75% | — | Restrictions apply. |
| $250,000 and upRestrictions apply. | 3.75% | — | Restrictions apply. |
Sources (2)
All captured Oct 7, 2026
Money Market
1.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 1.05% | $105 |
Sources (2)
All captured Oct 7, 2026
Prime Share Savings Account
0.05%APY
Minimum daily balance of $50 required to earn dividends. Minimum daily balance of $5 required to retain membership status.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends earned with a minimum daily balance of $50. Minimum daily balance of $5 is required to retain membership status.$50 and up | 0.05% | $5 | Dividends earned with a minimum daily balance of $50. Minimum daily balance of $5 is required to retain membership status. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Stock Club Account
0.05%APY
Requires at least one payroll or other direct deposit through the ACH Network (transfers between PEFCU accounts do not qualify). A $5.00 early withdrawal fee applies if funds are withdrawn outside designated withdrawal windows (3/1-3/31, 5/1-6/30, 8/1-9/30, 11/1-12/31).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500At least one payroll or other direct deposit via ACH required. $5.00 early withdrawal fee applies if withdrawn outside designated periods: 3/1-3/31, 5/1-6/30, 8/1-9/30, and 11/1-12/31. | 5.00% | — | At least one payroll or other direct deposit via ACH required. $5.00 early withdrawal fee applies if withdrawn outside designated periods: 3/1-3/31, 5/1-6/30, 8/1-9/30, and 11/1-12/31. |
| $2,501 – $5,000At least one payroll or other direct deposit via ACH required. $5.00 early withdrawal fee applies if withdrawn outside designated periods: 3/1-3/31, 5/1-6/30, 8/1-9/30, and 11/1-12/31. | 2.50% | — | At least one payroll or other direct deposit via ACH required. $5.00 early withdrawal fee applies if withdrawn outside designated periods: 3/1-3/31, 5/1-6/30, 8/1-9/30, and 11/1-12/31. |
| Over $5,000At least one payroll or other direct deposit via ACH required. $5.00 early withdrawal fee applies if withdrawn outside designated periods: 3/1-3/31, 5/1-6/30, 8/1-9/30, and 11/1-12/31. | 0.05% | $5 | At least one payroll or other direct deposit via ACH required. $5.00 early withdrawal fee applies if withdrawn outside designated periods: 3/1-3/31, 5/1-6/30, 8/1-9/30, and 11/1-12/31. |
Sources (3)
- pefcu.com/accounts/more-accoun…schedule-of-fees-charges
- pefcu.com/accounts/savings/secondary-savings
- pefcu.com/accounts/savings/deposit-rates
All captured Oct 5, 2026
Individual Retirement Account (IRA) Savings
0.25%APY
Available as Traditional, Roth, or Direct Rollover IRA savings accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable as Traditional, Roth, and Direct Rollover IRAs.Any balance | 0.25% | $25 | Available as Traditional, Roth, and Direct Rollover IRAs. |
Sources (3)
- pefcu.com/accounts/investments/iras
- pefcu.com/accounts/investments
- pefcu.com/accounts/savings/deposit-rates
All captured Oct 5, 2026
Holiday Club Account
0.20%APY
No maintenance fees. Entire balance rolls over into savings account on or after November 1 of each year. A $5.00 early withdrawal fee applies if funds are withdrawn prior to November 1 (waived if withdrawn within 7 days of account opening).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening deposit required. No maintenance fees. Balance rolls over into savings account on November 1. $5.00 early withdrawal fee applies if funds withdrawn before November 1, unless withdrawn within 7 days of opening.Any balance | 0.20% | $20 | No minimum opening deposit required. No maintenance fees. Balance rolls over into savings account on November 1. $5.00 early withdrawal fee applies if funds withdrawn before November 1, unless withdrawn within 7 days of opening. |
Hugh Manatee Kids' Club Account
0.20%APY
Available for children ages 0 to 12 years.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages 0–12 years.Any balance | 0.20% | $20 | For ages 0–12 years. |
Sources (2)
All captured Oct 5, 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.