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3900 Crown Road
Atlanta, GA 30380

Atlanta Postal Credit Union is headquartered in ATLANTA and is the 2nd largest credit union in the state of Georgia. It is also the 72nd largest credit union in the nation. It was established in 1925 and as of December of 2013, it had grown to 166 employees and 106,833 members. Atlanta Postal Credit Union's savings rates are 3X the national average, and it has a A health rating.

Field of Membership Restrictions

You are eligible to join if you are employed by, retired from or associated with any of the companies, organizations or associations with established Atlanta Postal CU relationship. Additionally, membership is open to any family members who are related by blood, marriage or adoption to active or retired employees of eligible companies, organizations or associations. The employee or retiree you are related to or residing with need not be a member of the Credit Union in order for you to join. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Atlanta Postal Credit Union had $6.51 million in non-current loans and owned real-estate with $244.34 million in equity and loan loss allowances on hand to cover it. This gives Atlanta Postal Credit Union a Texas Ratio of 2.66% 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 experienced no significant changes from 2.82% as of December 31, 2012 to 2.66% as of December 31, 2013, resulting in a positive change of 5.50%.This indicates that the balance sheet and financial strength for Atlanta Postal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Atlanta Postal Credit Union has decreased its total deposits by -$2.32 million, resulting in -0.13% 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 average.



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 $244.34 million in equity, resulting in a capitalization level of 12.02%, which is excellent.

Institution Statistics

NCUA #67389
Year Chartered1925
Primary Regulator
Assets and Liabilities
Assets$2.03 billion
Loans$912.50 million
Deposits$1.79 billion
Equity Capital$238.68 million
Loan Loss Allowance$5.65 million
Unbacked Noncurrent Loans$5.35 million
Real Estate Owned$1.17 million
Historic Data - December 2012
Assets$2.03 billion
Equity Capital$233.56 million
Loan Loss Allowance$8.48 million
Unbacked Noncurrent Loans$5.35 million
Real Estate Owned$1.56 million
Profit Margin - Quarterly
Net Interest Margin4.55%
Return on Assets0.42%
Return on Equity3.58%
Interest Income$52.32 million
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Atlanta Postal Credit Union Savings Account Rates

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 Checking Account Rates

0.50%--Platinum Advantage Checking
0.40%--Regular Checking
0.40%--Youth Checking Account

Atlanta Postal Credit Union CD Rates

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

1.60%$2k-60 Month IRA Certificate Account (Traditional,Roth)
1.50%$2k-48 Month IRA Certificate Account (Traditional,Roth)
1.30%$2k-36 Month IRA Certificate Account (Traditional,Roth)
1.20%$2k-30 Month IRA Certificate Account (Traditional,Roth)
1.10%$2k-24 Month IRA Certificate Account (Traditional,Roth)
0.85%$2k-12 Month IRA Certificate Account (Traditional,Roth)

Atlanta Postal Credit Union Locations
Branch Office501 Pulliam St SW Ste 350Atlanta, GA 30312-2750
Branch Office520 W Ponce De Leon AveDecatur, GA 30031-4260
Branch Office1800 James Jackson Pkwy NWAtlanta, GA 30369-1100
Branch Office515 Mulberry StMacon, GA 31201-6305
Branch Office3900 Crown Rd SWAtlanta, GA 30304-0001
Branch Office2801 Candler Rd Ste 81Decatur, GA 30034
Branch Office101 Marietta St NW Ste 140Atlanta, GA 30303
Branch Office1605 Boggs RdDuluth, GA 30096-4600