Atlanta Postal Credit Union is headquartered in Atlanta and is the 4th largest credit union in the state of Georgia. It is also the 139th largest credit union in the nation. It was established in 1925 and as of December of 2020, it had grown to 271 employees and 100,582 members at 13 locations. Atlanta Postal Credit Union's money market rates are 36% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Membership in Atlanta Postal Credit Union is open to the following: (1) employees, retirees and contractors of the United States Postal Service under the authority of Postmaster General; (2) members of the National League of Postmasters, National Rural Letter Carriers, National Association of Retired Postal Inspectors, Association of United States Postal Lessors; (3) employees of the Federal government, both military and civilian, who live within the state of Georgia; (4) employees and retirees of the state of Georgia or any Georgia college, university, or elected officials; (5) employees or members of the Greater Atlanta Postal Customer Council and their family who live in Georgia; (6) employees of West Central Georgia Regional Hospital; (7) employees of Harris, Talbot, Marion, Meriweather, and Chattahoochie County school systems; (8) employees of Columbus State University and members of the Columbus State University Alumni Association; (9) individuals who live or work in Bibb, Bryan, Chatham, DeKalb, Effingham, Floyd, Fulton, Gwinnett, or Muscogee Counties in Georgia; (10) employees of the City of Forsyth; and other Select Groups in the state of Georgia.
See current membership details
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A Place That Makes You Feel Like Family
The Atlanta Postal Credit Union APCU The little bank that makes you feel special. The Atlanta postal Credit Union APCU is a blessed relief after transferring from one of those large - big box banks. Although I am not one of their large deposit holders, they make me feel like I am a special customer each and every time I come into one of their branch offices.
Since this is a small financial institution, everyone knows me and each and every one of my family members which has an account with them. If something is not quite right in my account or transaction, they alert me ASAP. The Atlanta postal Credit Union APCU has restored my faith in financial institutions.
The Atlanta postal Credit Union APCU has ALL of the perks and high tech goodies that the mega banks have for their customers. I was delighted that they have an easy to use smartphone app which lets me do my banking from the palm of my hand. They also have a wonderful check scan option on their app where I can deposit a check in my account without the hassle and expense of making a trip to their office to deposit the check. They do not place unnecessary holds on my funds and if I ever have the need to borrow money I can get funds in a pinch. I have been an The Atlanta postal Credit Union APCU customer now for over 20 years, and I do not intend to leave.
Atlanta Postal Credit Union
I have been a member of this credit union since I was 18 yrs old. Although the bring and mortar is located in the Atlanta area, doing business them over the phone has been a breeze. I have had a multitude of loans from this credit union including numerous personal loans and car loans. I also have a credit card with them because it offers one of the most competitive fixed rates at 9.9%. I am extremely happy being a member of this credit union and highly recommend it to anyone in search of a great credit union!
Behind the times
My experience with Atlanta Postal Credit Union has been very mixed, to say the least. The app and website are both rather cumbersome to use, and it's very frustrating to get a hold of customer service since they work regular hours and not much beyond that. When I had an issue with my account (my joint account owner took a large sum of money without informing me and I was trying to figure out what happened), APCU was very unresponsive to my questions. The savings account doesn't have that great of an interest rate, either. Since I have moved away from the Atlanta area, it has been very difficult to keep up with this account. I finally ended up closing my APCU account after several years of having a savings account with them. It just wasn't worth it anymore with how inconvenient it was. Keep your money somewhere where it's more convenient to bank online and get a hold of someone if there's an issue.
Slow Customer Service
It seems like no one knows whats going on. I simply wanted to change my pin number since a pin was pre assigned. No one could tell me the number. Then i was told i would have to wait 7 business days to get the pin mailed to me. After that luckily someone told me i could change the pin by calling 1866-297-3411. I called the number and the message asked for my 16 digit account number then said it was incorrect and "tried" to connect me to a person i waited 30 mins hung up called back 1 hour later waited another 30 mins hung up called back the next day waited 7 mins. And then the person who picked up told me to call the number i just called. I told her that number directed me to call. She says well your supposed to just follow the directions. I told her i did but it gave me a error. Then she said the other place im supposed to direct you to is closed but i can give you the number to call tommorow. Really.... Im thinking. I ask her is there anything she can do i need access to my money. Then she says im not sure why its giving you an error you gave me the correct card number. Then i tell her it adk me for my account number not card number. And of course that's the problem.
Would Not Recommend
My daughter has been trying to make a payment on her account for two days, Gets put in voicemail and never return the call. I thought I would help her out because of her hours and they won't let me make a payment on her acct. Online is useless! I wouldn't suggest this credit union unless you live in Atlanta.
Data as of Q4 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67389 |
| Year Chartered | 1925 |
| Employees | 271 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.19% |
| Return on Equity - YTD | 1.68% |
| Annual Interest Income | $72.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $2.42B$2.17B |
| Loans | Q4 2020vs Q4 2019 | $1.62B$1.56B |
| Deposits | Q4 2020vs Q4 2019 | $2.12B$1.87B |
| Equity Capital | Q4 2020vs Q4 2019 | $270.9MM$271.7MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $8.2MM$8.4MM |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $3.8MM$7.2MM |
| Real Estate Owned | Q4 2020vs Q4 2019 | $0$595.00K |
