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      • Investment FAQs
    • More Account Info
      • Applications & Forms
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      • Schedule of Fees & Charges
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      Loan Products

      <em>Loan</em> Products Apply Now
    • Consumer Loans
      • Personal Line of Credit
      • Publix Stock
      • Savings, Secured & Certificate Secured Loans
    • Vehicle & Boat Loans
      • Cars & Trucks
      • Motorcycles
      • UTVs/ATVs
      • Boats & RVs
      • First-Time Buyer Car Loan
    • Mortgages
      • Conventional & Jumbo
      • Home Equity
      • Mortgage FAQs
      • First-Time Home Buyer Program
    • More Loan Info
      • Check Application Status
      • Consumer Loan Application
      • VISA Credit Card Application
      • Loan Rates
  • Cards
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      Become a Member

      <em>Become a</em> Member Apply Now
    • Online Services
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    • Mobile Services
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    • Financial Tools
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      • FREE Credit Report
      • Knowledge of Financial Education
    • Protect Your Assets
      • Accidental Death & Dismemberment
      • Auto & Home Coverage
      • Life, Cancer, & Medicare
      • NCUA Share Insurance
    • Other Services
      • CAT 24/7 (Computer Access by Telephone)
      • CO-OP ATM Network
      • Wire Transfers
      • Free Notary & Signature Guarantee
      • Safe Deposit Box
  • About

      Become a Member

      <em>Become a</em> Member Apply Now
    • About Us
      • Membership Eligibility
      • Select Employee Groups (SEGs)
      • Annual Report
      • ADA / Web Accessibility
    • Locations & Hours
      • Lakeland Branch
      • Altamonte Springs Branch
      • Jacksonville Branch
      • Norcross Branch
      • Pembroke Pines Branch
      • Royal Palm Beach Branch
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    • Help and Resources
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      • Compromised Account?
      • Disputes & Stop Payments
      • How We Contact You
    • Fraud Prevention
      • Beware of Spoofing
      • Banking Scams
      • More Safety Tips
    • Protect Your Cards
      • Lost or Stolen Card?
      • Cards Transaction Alerts
      • Card Controls Feature
      • Travel Notifications
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    • Join Our Team
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IRAs
Accounts
IRAs

Smart Investing

Traditional, Roth & Direct Rollover Individual Retirement Accounts (IRAs) are a smart and secure means of long-term investing for your retirement. Choose from our Traditional IRA, IRA Share Certificate, or a combination of both.

Traditional IRAs

Available to any member with earned income, you may contribute up to $6,000 to an IRA per tax year. If your spouse is employed, they can also open an IRA and contribute earned income for the year or $6,000 - whichever is less. Instead, you may also choose to open a spousal IRA on his/her behalf with the total contribution of $12,000 for the year, as long as a contribution to either of the accounts is no more than $6,000.

Roth IRAs

Members with earned income may contribute up to $6,000 to a nondeductible IRA that features tax-free earnings. If your spouse is also employed, he/she can also open a Roth IRA and contribute up to $6,000. That's a total of $12,000 between the two accounts.

Catch-up Contributions

Individuals age 50 and older may make catch-up contributions of up to $1000 per taxable year to their Traditional and /or Roth IRA.

Direct Rollovers

With a Direct Rollover IRA, your retirement funds move directly from a qualified plan to a traditional IRA. This will enable you to continue to earn high dividends even after you retire. With Direct Rollover IRA, you can invest in the Basic IRA, the IRA Share Certificates, or both.

Basic IRA

Club Account (Traditional, Roth & Direct Rollover). These rates are set, posted, and compounded monthly by PEFCU's Board of Directors. The advantage of the Basic IRA is that your money is more accessible and not subject to any Credit Union penalties. You also have the choice to transfer your IRA funds to a higher earning IRA Certificate.

IRA Share Certificate (Traditional, Roth & Direct Rollover)

IRA Share Certificate rates are market-based and are fixed for the length of the term. Also, though there are PEFCU and IRS penalties for early withdrawal, the dividends you receive will likely be higher than those of the Basic IRA.

Coverdell Education Savings Account (Formerly Educational IRA)

This is a nondeductible account with tax-free withdrawals for a child's education expenses. You may contribute up to $2,000 per year on behalf of children under 18 years of age. All earnings on the account are tax-free if the money is used for education expenses. This includes tuition, fees, books, supplies and equipment required for the enrollment or attendance at an eligible education institution. Make the smart choice - contact a PEFCU Representative for more information.

IRA Service Center - Click here to beginLet us help.

The IRA Service Center will provide you with the documents and information you need to open the best IRA to fit your needs. Feel confident that you are making the right decision opening a PEFCU IRA.

Publix Employees Federal Credit Union logo

Member Contact Center

1-800-226-6673

Card Services

1-800-226-6673 ext 6602

NMLS#

403109

E-Mail

[email protected]

Routing Number

263179817

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By clicking on this link, you will be leaving the Credit Union's website and our Privacy Policy. This website is not operated by PEFCU. PEFCU makes no representations or warranties about any other website which you may access through this one. When you access non-PEFCU websites, even though they contain the PEFCU logo and content regarding PEFCU's products and services, such websites are independent of PEFCU and PEFCU has no control over the operation of non-PEFCU sites. In addition, a link to a non-PEFCU website does not mean that PEFCU endorses that website or has any responsibility for the use of such a website.

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