Last Updated: 04/18/2025
Publix Employees FCU IRAs
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.25%(Verified 07/19/2024)
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$0
Publix Employees FCU IRAs Review
Publix Employees FCU IRAs is offered by Publix Employees Federal Credit Union, a credit union founded in 1957 and based in Lakeland, FL. Publix Employees FCU IRAs are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. Publix Employees FCU IRAs has an annual percentage yield of up to 0.25%, which is higher than the average interest rate for savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $5.00 to open an account.
Publix Employees FCU IRAs Pros & Cons
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Publix Employees FCU IRAs FAQ
Are savings accounts from Publix Employees Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Publix Employees Federal Credit Union offer a signup bonus?
Publix Employees FCU IRAs doesn't offer a signup bonus.
What is the minimum initial deposit for Publix Employees FCU IRAs?
The minimum deposit to open a Publix Employees FCU IRAs is $5.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Publix Employees FCU IRAs offer?
Publix Employees FCU IRAs offers an APY of 0.25% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Publix Employees FCU IRAs charge?
Publix Employees FCU IRAs does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20.00 fee.
- Incoming domestic bank transfers come with a $5.00 fee.
- Outgoing international bank transfers come with a $45.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Incoming international bank transfers come with a $5.00 fee.
- An overdraft on your account will trigger a $30.00 fee per item.
- Publix Employees FCU IRAs charges $5.00 every time you request a paper statement.
Does Publix Employees FCU IRAs charge overdraft fees?
Yes, Publix Employees FCU IRAs charges a $30.00 overdraft fee.What features and perks does Publix Employees FCU IRAs offer?
This savings account includes the following features:
- Mobile Banking Services - Publix Employees FCU IRAs allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Publix Employees FCU IRAs?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed