Atlanta Postal Credit Union

3900 Crown Road
Atlanta, GA 30380
404-768-4126
www.apcu.com

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Atlanta Postal Credit Union is headquartered in Atlanta and is the 2^nd largest credit union in the state of Georgia. It is also the 68^th largest credit union in the nation. It was established in 1925 and as of December of 2012, it had grown to 157 employees and 105,911 members. Atlanta Postal Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Competitive CD Rates in Georgia at Atlanta Postal Credit Union - 4/30/2012

It has been a while since I reported on Atlanta Postal Credit Union . Some other Georgia credit unions had higher rates in 2011, but this year Atlanta Postal Credit Union is on top with competitive CD ...

Top CD and Savings Account Rates at Atlanta Postal Credit Union in GA - Local Only - 9/24/2010

Atlanta Postal Credit Union continues to offer very competitive CD and IRA CD rates. Two of the best rates include a 3.15% APY 5-year CD and a 1.70% APY 1-year CD. Below is a summary of the CD rates l ...

Top CD Rates at Atlanta Postal Credit Union in Georgia - Local Only - 4/8/2010

Atlanta Postal Credit Union continues to offer very competitive short-term CD rates. These include a 1.75% APY 6-month CD and a 2.00% APY 12-month CD. Below is a list of the CD rates listed in the cr ...

2.10% 6-Month CD and other Competitive CD Rates at Atlanta Postal Credit Union - Local Only - 1/8/2010

Atlanta Postal Credit Union continues to offer very competitive short-term CD rates. These include a 2.00% APY 3-month CD, a 2.10% APY 6-month CD and a 2.25% APY 12-month CD. Below is a list of the CD rates listed in the credit union's rate table as of...

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See Rates for: Checking | Savings | CD | IRA

Atlanta Postal Credit Union Checking Account Rates

Apy	Min	Max	Product
0.50%	-	-	Platinum Advantage Checking
0.40%	-	-	Regular Checking
0.40%	-	-	Youth Checking Account

Atlanta Postal Credit Union Savings Account Rates

Apy	Min	Max	Product
1.50%	-	-	IRA Savings Account
1.50%	-	-	Roth IRA Savings Account
0.60%	-	-	Education Club Account
0.50%	$50	-	Share Account
0.50%	-	-	Holiday Club Account
0.50%	-	-	Vacation Club Account
0.50%	$50	-	Secondary Account
0.50%	$50	-	Youth Share Account

Atlanta Postal Credit Union CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month CD
1.50%	$500	-	48 Month CD
1.30%	$500	-	36 Month CD
1.20%	$500	-	30 Month CD
1.10%	$500	-	24 Month CD
0.85%	$500	-	12 Month CD
0.65%	$500	-	6 Month CD
0.50%	$500	-	91 Day CD

Atlanta Postal Credit Union IRA Rates

Apy	Min	Max	Product
1.60%	$2k	-	60 Month IRA Certificate Account
1.60%	$2k	-	60 Month Roth IRA Certificate Account
1.50%	$2k	-	48 Month IRA Certificate Account
1.50%	$2k	-	48 Month Roth IRA Certificate Account
1.30%	$2k	-	36 Month IRA Certificate Account
1.30%	$2k	-	36 Month Roth IRA Certificate Account
1.20%	$2k	-	30 Month IRA Certificate Account
1.20%	$2k	-	30 Month Roth IRA Certificate Account
1.10%	$2k	-	24 Month IRA Certificate Account
1.10%	$2k	-	24 Month Roth IRA Certificate Account
0.85%	$2k	-	12 Month IRA Certificate Account
0.85%	$2k	-	12 Month Roth IRA Certificate Account

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

ATLANTA POSTAL
NCUA #	67389
BankRate Report	View
Year Chartered	1925
Employees	157
Primary Regulator
Assets and Liabilities
Assets	$2.03 billion
Loans	$901.05 million
Deposits	$1.79 billion
Equity Capital	$233.56 million
Loan Loss Allowance	$8.48 million
Unbacked Noncurrent Loans	$5.26 million
Real Estate Owned	$1.56 million
Historic Data - December 2011
Assets	$1.97 billion
Equity Capital	$226.51 million
Loan Loss Allowance	$9.40 million
Unbacked Noncurrent Loans	$7.50 million
Real Estate Owned	$2.11 million
Profit Margin - Quarterly
Net Interest Margin	4.82%
Return on Assets	0.45%
Return on Equity	3.9%
Interest Income	$57.08 million
Non-Interest Income	$6.28 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Atlanta Postal Credit Union had $6.82 million in non-current loans and owned real-estate with $242.03 million in equity and loan loss allowances on hand to cover it. This gives Atlanta Postal Credit Union a Texas Ratio of 2.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Atlanta Postal Credit Union decreased slightly from 4.07% as of December 31, 2011 to 2.82% as of December 31, 2012, resulting in a positive change of 30.75%.This indicates that the balance sheet and financial strength for Atlanta Postal Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Atlanta Postal Credit Union has increased its total deposits by $49.87 million, resulting in 2.87% 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 Atlanta Postal Credit Union has shown is above average.
Capitalization
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. Atlanta Postal Credit Union has $2.03 billion in assets with $242.03 million in equity, resulting in a capitalization level of 11.92%, which is above average.