welcome to smart banking

www.pefcu.com(800) 226-6673

Helping YOU live your best financial life

Welcome to Publix Employees

Federal Credit UnionHeadquartered in Lakeland, FL, Publix Employees Federal Credit Union (PEFCU) is a member-owned co-operative that was founded in 1957 to meet the financial needs of Publix Super Markets Inc. associates and their immediate family members. PEFCU maintains a five-star rating by Bauer Financial and boasts an “A+” in financial health. When you join PEFCU you’re more than just a number. You are an owner of a thriving, not-for-profit cooperative. PEFCU, with over $1 billion in assets, is ranked in the top five percent of credit unions nation-wide. We have a strong, shared commitment to the financial well-being of our members. The credit union’s earnings are returned to you in the form of stellar products and services. PEFCU is committed to helping you live your best financial life!

Our ValuesCaring: We enhance your credit union experience.

Inclusive: We foster a positive environment.Transparent: We create real relationships.

Accountable: We honor our standard of excellence. Innovative: We create a stellar experience.

Our MissionDelivering the best value for

lifelong relationships one member at a time

YOUR MONEY IS SECUREYour savings are federally insured for a minimum of $250,000 and backed by the full faith and credit of the National Credit Union Administration (NCUA), a United States of America government agency.

PEFCU MEMBERSHIP ELIGIBILITYPEFCU membership is available to:

• All retired and current associates of Publix Super Markets, Inc. and their immediate family or house-hold members

• All immediate family or household members of current PEFCU members

• All Select Employer Groups (SEG) and their immediate family or household members

For a complete list of SEGs, visit us at www.pefcu.com

JOINING IS EASYHere are your options:

• Visit us at www.pefcu.com to open an account online; or

• Call the Member Contact Center to request an application by mail; or

• Visit your local branch to join in person. Minimum requirements for all PEFCU members:

• Open a savings account (Prime Share Account) with minimum deposit of $5

• Maintain a minimum average daily balance of $50 within six months*

*After six months, if at any time your balance is less than $50, then a $2 monthly fee will be assessed.

CHECKING & SAVINGS OPTIONSWe have a variety of options to choose from: Member Savings (Prime Share) Account

• Your account is easily accessible by all PEFCU digital services, ATM, and phone

Checking Account*• There’s no minimum balance or monthly service

charge• Use for the safety and convenience of direct deposit • Get a VISA Debit Card for easy access to your funds

Holiday Club Account• Start saving early to buy gifts for the holidays • Money saved in this account will be available to use

on November 1st of each year

Secondary Savings Account• Save money for vacations or special occasions• Unlimited deposits – six electronic withdrawals per month

Courtesy Pay*If eligible, Courtesy Pay can be used as protection for your PEFCU checking account. Courtesy Pay will pay your non-sufficient funds checks or Automatic Clearing House (ACH) items up to your approved limit for a minimal fee of $25 per transaction. Details are online at www.pefcu.com.

INVESTMENTSChoose from several PEFCU investment opportunities. Save for retirement or college while earning more money from our exceptional dividends! Check out our current rates at www.pefcu.com.

Money Market Account• Get the highest dividends possible with a minimum balance of only $1000

IRA’s – Traditional, Roth, Educational, Rollover• Traditional IRA offers a possible tax deduction (subject to income requirements)

• Roth IRA offers tax-free distributions (subject to income requirements)

• CESA Coverdell Education Savings Accounts contribute up to $2,000 for a child ‘s education

* Must meet certain qualifications

Share and IRA Certificate• Be confident with our excellent long-term investment and retirement plans• Choose terms that are customized for your budget• Get tax advantages on IRA certificates

LOANSWe offer a variety of low-interest loan options to meet your individual needs. For peace of mind, you can also add our insurance coverages for Credit Life, Disability, and GAP for payment protection on all collateralized loans. View our rates and qualifications and apply at www.pefcu.com. or your PEFCU mobile app.

New and Used VehiclesFinancing for new and used vehicle loans, including:

• Cars• Trucks / SUVs • Motorcycles• Boats• Recreational Vehicles

MortgagesYou can buy your dream home with our low fixed-rate conventional mortgage loans!

• Apply for a purchase loan for up to 95% of the lesser of the purchase price or current appraised value

• Refinance up to 95% of the current appraised value to reduce your interest rate or adjust your payment term

• Apply for a home equity loan on a primary, single-family block or frame residence with payment terms up to 15 years

Personal Line of CreditWhether it’s vacations, weddings, or unexpected repairs—ready or not, life happens! When it does, PEFCU can offer you a Personal Line of Credit with excellent low rates and flexible terms that fit your budget.

PEFCU CREDIT CARDSFor more information and to apply, please visit www.pefcu.com or your PEFCU mobile app.PEFCU VISA® Credit CardGive yourself the credit you deserve with the freedom and convenience of the PEFCU VISA Credit Card! Your VISA includes:

• Low, fixed interest rates• No annual fee• Robust rewards program• No balance transfer fee

ScoreCard® RewardsEarn points using your PEFCU VISA credit card! You can redeem your points for cash back, merchandise, travel, and select gift cards. You can access your rewards balance by logging into your Online Banking portal or PEFCU Mobile Banking app.

PEFCU VISA® Secured Credit CardGet all the benefits of having a VISA card with a PEFCU VISA Secured card! Use to build or repair your credit while earning dividends on your savings account.

SECURED LOANSPublix Stock SecuredUse your Publix stock as collateral while still earningdividends.

Publix Stock PurchaseAs a Publix associate, you can apply for a loan at PEFCU to buy Publix stock.

Share or Certificate SecuredUse the cash in your savings account or CD as collateral for a Share Secured Loan. Continue earning dividends on your savings balance while you use the cash value for whatever you desire!

CONVENIENT ACCOUNT ACCESS OPTIONSDirect DepositYou can provide your employer, government, and/or other participating check issuer with our routing number and your checking account number for electronic direct deposit.

PEFCU Mobile BankingPEFCU Mobile Banking gives you more power at your fingertips! Downloading this mobile app will allow you access to many features of Online Banking. Additional features include:

• Quick Balance • WAP SMS (Text Banking) • Mobile Check Deposit• PayPal® Send Money

Online BankingEnroll at www.pefcu.com to conveniently bank online from your home or office whenever you choose.

• View your account balances • Review transaction history• Stop payment on checks• Withdraw funds (check will be mailed to the primary

address on file)• Apply for loans and credit cards• Block your PEFCU ATM, VISA debit or credit card• Make payments to your PEFCU VISA credit card

or loan account• Use free unlimited Bill Pay services• Transfer funds between your PEFCU accounts• View cleared check images• Sign up for account alerts• Update your personal information (address,

email, phone number, etc.)• Access E-statements• View loan payoff information• Reset password

• Manage VISA ScoreCard® Rewards• Send secured messages to our Member Contact

Center

PEFCU VISA® Debit or ATM Card• Choose from one of our stylish card designs that

compliments your personality • Access your PEFCU checking and saving accounts

anywhere VISA is accepted*

• Download the “PEFCU Cards” app from your mobile device’s app store and monitor card activity by getting real-time alerts every time your card is used

Bank-by-MailWe provide you with pre-stamped, self-addressed envelopes for convenient mail-in deposits. Your check will be deposited the date it is received, and we will mail you a receipt for your records.

Computer Access by Telephone (CAT)You have unlimited telephone access to your accounts 24/7, allowing you to do the following:

• Verify your account balances• Stop payment on checks• Transfer funds between your PEFCU accounts• Withdraw funds (check will be mailed to the

primary address on file)• Block your lost or stolen PEFCU ATM, VISA debit

or credit card• Listen to transaction history

To enroll in CAT, call our Member Contact Center at (800) 226-6673. Once you’ve enrolled, your two-digit share or loan ID number (found on your statement) will be required to complete transactions.

*May be restrictions for ATM cards at certain locations. First six (6) ATM withdrawals per account/per month are free.

ADDITIONAL MEMBER SERVICESWe offer you several additional banking services for your convenience and peace of mind.

• Notary services• Signature & medallion guarantee• Cashier’s checks• Money orders• Wire transfers• Coin counter• Safe deposit box (Lakeland and Jacksonville only)

SPECIAL CLUBSHugh Manatee Kids ClubKids ages 12 and under with adult joint owner

• Promotes and teaches savings habits

Boom! Teen ClubTeens ages 13 through 17 with adult joint owner

• Promotes and teaches regular saving habits and budgeting• May apply for a checking

account and VISA® Debit Card*

Journey ClubSeniors ages 55+

• Free box of checks annually (shipping and handling fees still apply)• Free money orders and cashier’s checks

T H E J O U R N E Y I S Y O U R S , E N J O Y E A C H S T E P

C L U B

P.O. Box 1000Lakeland, FL 33802-1000

Hugh Manatee Kids Club

*Must meet certain qualifications

Visit us:www.pefcu.com

Contact us during branch hours:Member Contact Center (800) 226-6673

Secured Message via PEFCU Mobile Banking AppSecured Message via Online Banking

Live Support CHAT at www.pefcu.com

Branch Hours:Mon., Tues., Thu., Fri. 8:30 a.m. - 5 p.m.

Wed. 10 a.m. - 5 p.m.

Branch Locations

Main Branch: Lakeland3005 New Tampa Hwy.

Lakeland, FL 33815

Mailing:PO BOX 1000

Lakeland, FL 33802-1000

24/7 ATM access

Altamonte Springs Branch482 East Altamonte Dr., Suite 1010

Altamonte Springs, FL 32701

Jacksonville Branch101 Scholars Way

Jacksonville, FL 32216

Norcross Branch59 South Peachtree St.

Norcross, GA 30071

Pembroke Pines Branch219 North University Dr.

Pembroke Pines, FL 33024

24/7 ATM Access

Royal Palm Beach Branch11957 Southern BoulevardRoyal Palm Beach, FL 33411

24/7 ATM Access

Sarasota Branch3564 Clark Rd.

Sarasota, FL 34231

24/7 ATM Access