What are the current interest rates at Pee Dee Federal Credit Union?

Current rates for Pee Dee Federal Credit Union include: 12-Month CD: 0.35%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, Savings: 0.40%, MMA: 0.30%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Pee Dee Federal Credit Union

iAdvertiser Disclosure

Pee Dee Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Pee Dee Federal Credit Union?

Yes, to access services at Pee Dee Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pee Dee Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Pee Dee Federal Credit Union's top rates as of October 13, 2026 are 0.75% APY on its CD 36 Month, 0.40% APY on savings, 0.30% APY on money market accounts, 0.10% APY on checking, personal loans from 13.25% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other Pee Dee Federal Credit Union CD rates include CD 24 Month at 0.50%, CD 18 Month at 0.45%, and CD 12 Month at 0.35%. MonitorBankRates evaluates the financial stability of Pee Dee Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.72%. Rates last updated and verified on 10/13/2026.

Pee Dee Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pee Dee Federal Credit Union? Share your experience about Pee Dee Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pee Dee Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.72%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Pee Dee Federal Credit Union
Main@305 W Pine St

305 W Pine St
Florence, SC 29501

https://www.pdfcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Pee Dee Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate 36 Month	-	0.75%	36 Month
Min Deposit $500 Details Share Certificates: Minimum of $500 to open; Certificate rates may be updated without notice Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Share Certificate 24 Month	-	0.50%	24 Month
Min Deposit $500 Details Share Certificates: Minimum of $500 to open; Certificate rates may be updated without notice Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Share Certificate 18 Month	-	0.45%	18 Month
Min Deposit $500 Details Share Certificates: Minimum of $500 to open; Certificate rates may be updated without notice Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Share Certificate 12 Month	-	0.35%	12 Month
Min Deposit $500 Details Share Certificates: Minimum of $500 to open; Certificate rates may be updated without notice Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Share Certificate 6 Month	-	0.25%	6 Month
Min Deposit $500 Details Share Certificates: Minimum of $500 to open; Certificate rates may be updated without notice Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Share Certificate 91 Days	-	0.20%	91 Days
Min Deposit $500 Details Share Certificates: Minimum of $500 to open; Certificate rates may be updated without notice Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union Savings Rates

Product	Rate	APY
IRA- Savings	0.40%	0.40%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Regular Share Savings	0.20%	0.20%
Min Balance $500 Details Balance: $500.01 & Above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	0.30%	0.30%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Share Draft (Checking)	0.10%	0.10%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
NEW & USED AUTOS	-	-	6.24%
Details Published APR range: 6.24% - 18.00%. As Low As; APR* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
BOATS, MOTORCYCLES & RECREATIONAL VEHICLES Loan	-	9.25%
Details Published APR range: 9.25% - 18.00%. APR* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA PLATINUM	-	7.99%
Details First six months 3.99% intro, then fixed 7.99%; no annual fee, no cash advance fee, 25-day grace period Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Visa Classic	-	11.99%
Details Fixed APR (stated in asterisk note: Visa Classic Fixed at 11.99%) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
PERSONAL LOANS	13.25%
Details Published APR range: 13.25% - 18.00%. APR* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
PERSONAL LINES OF CREDIT Loan	14.00%
Details Published APR range: 14.00% - 18.00%. APR* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
STSA PERSONAL LOAN	28.00%
Details APR* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 28.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Pee Dee Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
MISCELLANEOUS EQUIPMENT Loan	-	-	11.25%
Details Published APR range: 11.25% - 18.00%. APR* Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Pee Dee Federal Credit Union’s Texas Ratio stayed near 1.08% in Q3 2023 to 0.72% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$41M	0.72%	5.0	A+
March 31, 2026	$41M	0.73%	5.0	A+
December 31, 2025	$41M	0.78%	5.0	A+
September 30, 2025	$42M	0.02%	5.0	A+
June 30, 2025	$41M	0.77%	5.0	A+
March 31, 2025	$41M	0.29%	5.0	A+
December 31, 2024	$41M	0.62%	5.0	A+
September 30, 2024	$41M	0.45%	5.0	A+
June 30, 2024	$42M	0.20%	5.0	A+
March 31, 2024	$42M	0.09%	5.0	A+
December 31, 2023	$42M	1.39%	5.0	A+
September 30, 2023	$42M	1.08%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Pee Dee Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Pee Dee Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pee Dee Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pee Dee Federal Credit Union

Website https://www.pdfcu.org

Address 305 W Pine St, Florence, SC 29501

Phone 843-669-0461

Fax 843-678-9053

President David Turner

CEO Mike Leviner

Full-Time Employees 13

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.72%

Return on Assets (ROA)

0.4031%

Return on Equity (ROE)

1.6221%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

40,826,870

Total Amount of Shares and Deposits

30,392,066

Total Shares and Deposits < 1 Year

30,031,224

Total Shares and Deposits 1 3 Years

360,842

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

832,394

Total Uninsured Shares and Deposits > $250K (F+J)

832,394

Total Insured Shares and Deposits > $250K (item 17 less item K)

29,559,672

Total Interest Expense (Sum of items 6 8)

27,050

Share Certificates

Number of Accounts for Share Drafts

3,049

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,475

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,923,899

Total Liabilities

30,682,191

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pee Dee Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/pee-dee-federal-credit-union-rates-review-22530">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Pee Dee Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Pee Dee Federal Credit Union

Frequently Asked Questions About Pee Dee Federal Credit Union

How many branches does Pee Dee Federal Credit Union operate?

Pee Dee Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Pee Dee Federal Credit Union?

Yes, to access services at Pee Dee Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Pee Dee Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pee Dee Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pee Dee Federal Credit Union offer online and mobile banking?

Most modern institutions like Pee Dee Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pdfcu.org.

Current Pee Dee Federal Credit Union Rates

12-Month CD0.35%
18-Month CD0.45%
24-Month CD0.50%
Savings0.40%
MMA0.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Pee Dee Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Pee Dee Federal Credit Union Texas Ratio

Pee Dee Federal Credit Union Health Trend

Pee Dee Federal Credit Union CD Rates

Pee Dee Federal Credit Union Savings Rates

Pee Dee Federal Credit Union Checking Rates

Pee Dee Federal Credit Union Auto Loan Rates

Pee Dee Federal Credit Union RV, Boat and Powersport Loan Rates

Pee Dee Federal Credit Union Credit Card Rates

Pee Dee Federal Credit Union Personal Loan Rates

Pee Dee Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Pee Dee Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Pee Dee Federal Credit Union

How many branches does Pee Dee Federal Credit Union operate?

Is a member application needed to join Pee Dee Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Pee Dee Federal Credit Union offer online and mobile banking?

Current Pee Dee Federal Credit Union Rates

Compare to Other Credit Unions