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863-683-6404
3005 New Tampa Hwy
Lakeland, FL 33815-3468

Publix Employees Credit Union is headquartered in Lakeland and is the 17st largest credit union in the state of Florida. It is also the 304th largest credit union in the nation. It was established in 1978 and as of March of 2014, it had grown to 225 employees and 126,126 members. Publix Employees Credit Union's savings rates are 2X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must be a retired or current associate of Publix Super Markets, Inc. or be an employee of Crisper's Associates. - See Details

Reviews (1)

Great service and fees

They've always been generous in their rates and their flexibility. I really have enjoyed my experience with them. I got my first car with them and would do it again.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Publix Employees Credit Union had $2.67 million in non-current loans and owned real-estate with $94.19 million in equity and loan loss allowances on hand to cover it. This gives Publix Employees Credit Union a Texas Ratio of 2.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Publix Employees Credit Union experienced no significant changes from 2.70% as of March 31, 2013 to 2.83% as of March 31, 2014, resulting in a negative change of 4.93%. This indicates that the balance sheet and financial strength for Publix Employees Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Publix Employees Credit Union has increased its total deposits by $27.14 million, resulting in 4.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Publix Employees Credit Union has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Publix Employees Credit Union has $742.72 million in assets with $94.19 million in equity, resulting in a capitalization level of 12.68%, which is excellent.

Institution Statistics

Overall
NCUA #23020
Year Chartered1978
Employees225
Primary Regulator
Assets and Liabilities
Assets$742.72 million
Loans$318.96 million
Deposits$645.75 million
Equity Capital$89.08 million
Loan Loss Allowance$5.11 million
Unbacked Noncurrent Loans$2.67 million
Real Estate Owned$0
Historic Data - March 2013
Assets$724.14 million
Equity Capital$91.72 million
Loan Loss Allowance$5.46 million
Unbacked Noncurrent Loans$2.67 million
Real Estate Owned$89,000
Profit Margin - Quarterly
Net Interest Margin1.33%
Return on Assets0.79%
Return on Equity6.55%
Interest Income$6.10 million
Rates
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Publix Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.26%--Base IRA Club
1.26%--Base Roth IRA Club
1.26%--Base CESA Club
0.50%$50-Base Share
0.50%--Special Clubs

Publix Employees Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.60%$1k-Money Market

Publix Employees Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.51%$1k-5 Year CD
1.51%$100k-5 Year Jumbo CD
1.21%$1k-4 Year CD
1.21%$100k-4 Year Jumbo CD
1.10%$1k-3 Year CD
1.10%$100k-3 Year Jumbo CD
0.80%$1k-2 Year CD
0.80%$100k-2 Year Jumbo CD
0.60%$100-Youth CD
0.60%$1k-1 Year CD
0.60%$100k-1 Year Jumbo CD
0.40%$500-6 Month CD
0.40%$100k-6 Month Jumbo CD

Publix Employees Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.51%$100k-5 Year IRA
1.51%$1k-5 Year Jumbo IRA
1.21%$1k-4 Year IRA
1.21%$100k-4 Year Jumbo IRA
1.10%$1k-3 Year IRA
1.10%$100k-3 Year Jumbo IRA
0.80%$1k-2 Year IRA
0.80%$100k-2 Year Jumbo IRA
0.60%$1k-1 Year IRA
0.60%$100k-1 Year Jumbo IRA
0.40%$500-6 Month IRA
0.40%$100k-6 Month Jumbo IRA
Locations


Publix Employees Credit Union Locations
Branch Office3005 New Tampa HwyLakeland, FL 33815-3468
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