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Overview / Commentary
12 Herbert St
Alexandria, VA 22305

Napus Credit Union is headquartered in Alexandria and is the 24th largest credit union in the state of Virginia. It is also the 732nd largest credit union in the nation. It was established in 1970 and as of March of 2014, it had grown to 49 employees and 25,425 members. Napus Credit Union's money market rates are 82% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

In order to open an account with NAPUS Federal Credit Union, you must be in one of the following eligibility categories: *Employees of the United States Postal Service whose job title is Postmaster, Postmaster Relief (PMR), Supervisor, or Officer in Charge (OIC) *Marymount University Alumni Association Members and Alumni Association Employees *Immediate family members of NAPUS Federal Credit Union members *Household members of NAPUS Federal Credit Union members *Employees of NAPUS or several related companies. You may also be eligible to join NAPUS Federal Credit Union through the American Consumer Council (ACC). - See Details

Reviews (2)

Great 22 Mo. Bump Up CD - 3.8% APR !

I just opened up several of these so I know this is a real rate.   Nothing comes close, however must have minimum of 25 grand to open.  The credit union has been easy for me to work they try to get things right.  

Great Little Credit Union

Great if you can get in.  Restricted to Postal employees.  Now have a 3.8% APR 22 month CD going, which is 2 ponts above above.  However, the minimum is 25 grand. 


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Napus Credit Union had $570,000 in non-current loans and owned real-estate with $35.02 million in equity and loan loss allowances on hand to cover it. This gives Napus Credit Union a Texas Ratio of 1.63% 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 Napus Credit Union decreased dramatically from 3.56% as of March 31, 2013 to 1.63% as of March 31, 2014, resulting in a positive change of 54.30%.This indicates that the balance sheet and financial strength for Napus Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Napus Credit Union has increased its total deposits by $4.78 million, resulting in 2.03% 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 Napus Credit Union has shown is above 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. Napus Credit Union has $280.68 million in assets with $35.02 million in equity, resulting in a capitalization level of 12.48%, which is excellent.

Institution Statistics

NCUA #20061
Year Chartered1970
Primary Regulator
Assets and Liabilities
Assets$280.68 million
Loans$234.69 million
Deposits$240.69 million
Equity Capital$33.90 million
Loan Loss Allowance$1.12 million
Unbacked Noncurrent Loans$320,000
Real Estate Owned$250,000
Historic Data - March 2013
Assets$275.75 million
Equity Capital$31.84 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$320,000
Real Estate Owned$76,000
Profit Margin - Quarterly
Net Interest Margin0.91%
Return on Assets0.91%
Return on Equity7.57%
Interest Income$2.83 million

Always verify rates and promotions with the bank or credit union. We are not Napus Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Napus Credit Union Savings Account Rates

0.35%--IRA Savings
0.35%--Roth IRA Savings
0.35%--Coverdell Education Savings Account
0.15%$100-Business Share Savings
0.15%$100-Business Holiday Savings
0.15%$100-Business Convention Savings
0.15%$100-Share Savings
0.15%$100-Holiday Savings
0.15%$100-Convention Savings

Napus Credit Union Money Market Rates

0.80%$50k-Business Money Market Account
0.80%$50k-Money Market Account
0.80%$50k-Golden Years Money Market

Napus Credit Union Checking Account Rates

3.04%-$15kElite Checking - Qualifying
0.20%--Golden Years Checking
0.10%--Checking Account
0.10%--Elite Checking - Non Qualifying

Napus Credit Union CD Rates

2.00%$500-5 Year Share Certificate
1.97%$500-5 Year Business Share Certificate
1.41%$500-3 Year Business Share Certificate
1.41%$500-3 Year Share Certificate
1.26%$500-24 Month Business Share Certificate
1.26%$500-24 Month Share Certificate
1.16%$500-18 Month Business Share Certificate
1.16%$500-18 Month Share Certificate
1.11%$500-12 Month Business Share Certificate
1.11%$500-12 Month Share Certificate
0.70%$500-9 Month Business Share Certificate
0.70%$500-9 Month Share Certificate
0.60%$500-6 Month Business Share Certificate
0.60%$500-6 Month Share Certificate
0.50%$500-3 Month Business Share Certificate
0.50%$500-3 Month Share Certificate

Napus Credit Union IRA Rates

2.00%$500-5 Year IRA Certificate
1.41%$500-3 Year IRA Certificate
1.26%$500-24 Month IRA Certificate
1.16%$500-18 Month IRA Certificate
1.11%$500-12 Month IRA Certificate
0.70%$500-9 Month IRA Certificate
0.60%$500-6 Month IRA Certificate
0.50%$500-3 Month IRA Certificate

Napus Credit Union Locations
Branch Office12 HERBERT STAlexandria, VA 22305