Atlanta Postal Credit Union

Overview / Commentary
3900 Crown Road
Atlanta, GA 30380

Atlanta Postal Credit Union is headquartered in Atlanta and is the 5th largest credit union in the state of Georgia. It is also the 193rd largest credit union in the nation. It was established in 1925 and as of March of 2024, it had grown to 308 employees and 105,508 members at 12 locations. Atlanta Postal Credit Union's money market rates are 9X the national average, and it has a B+ 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, Clayton, DeKalb, Effingham, Floyd, Fulton, Gwinnett, Henry, Jasper, Muscogee, Newton, Rockdale, or Walton Counties in Georgia; (10) employees of the City of Forsyth; and other Select Groups in the state of Georgia.
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Reviews (7)

A Place That Makes You Feel Like Family

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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

Posted by: |

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!

APCU General Fax Number Not Working

Posted by: |

August 11, 2022
Please be aware APCU general Fax number 404-669-2750 does not this time.

Per my phone conversations today. APCU was aware their general Fax number has been a problem for some weeks. Members have been reporting problems.

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

Posted by: |

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.

The Worst

Posted by: |

The worst I've ever dealt with hands down. My cards been hacked over 4 times over the years. I cannot get any response from my tickets or messages. They have charged over 140.00 in fees. I'm closing my account and I will not recommend this place..All mail carriers warned me about getting an account here. Now I know why.

Would Not Recommend

Posted by: |

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.


Health Grade Components

NCUA #67389
Year Chartered1925
Primary Regulator
Profit Margin
Return on Assets - YTD-0.6%
Return on Equity - YTD-5.13%
Annual Interest Income$21.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.44B$2.48B
LoansQ1 2024vs Q1 2023$1.59B$1.75B
DepositsQ1 2024vs Q1 2023$2.13B$2.19B
Equity CapitalQ1 2024vs Q1 2023$282.9MM$274.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$11.8MM$11.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$11.1MM$6.5MM
Real Estate OwnedQ1 2024vs Q1 2023$122K$0
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Always verify rates and promotions with the bank or credit union. We are not Atlanta Postal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Atlanta Postal Credit Union Savings Account Rates

4.00%*$0$100kKasasa Saver with Kasasa Cash Back Checking
OTHER TIERS: 0.25% $100k+
4.00%*$0$100kKasasa Saver with Kasasa Cash Checking
OTHER TIERS: 0.25% $100k+
0.65%$1-IRA Savings Account
0.20%$1-Education Club Account
0.10%$50-Share Accounts
0.10%$1-Holiday Club Account
0.10%$1-Vacation Club Account
0.10%$50-Secondary Accounts

Atlanta Postal Credit Union Money Market Rates

4.00%*$100k*-Money Market Savings Account
OTHER TIERS: 2.00% $2.5k - $25k | 2.25% $25k - $50k | 3.25% $50k - $100k

Atlanta Postal Credit Union Checking Account Rates

5.00%*$0$25kKasasa Cash Checking
OTHER TIERS: 0.25% $25k+
0.30%*$2.5k*-Youth Checking Account
OTHER TIERS: 0.05% $1 - $1.5k | 0.15% $1.5k - $2.5k
0.30%*$2.5k*-Member Benefits Checking
OTHER TIERS: 0.05% $1 - $1.5k | 0.15% $1.5k - $2.5k
0.30%*$2.5k*-Member Advantage Checking
OTHER TIERS: 0.05% $1 - $1.5k | 0.15% $1.5k - $2.5k

Atlanta Postal Credit Union CD Rates

4.85%$100k-6 Month Jumbo Certificate
4.75%$500-6 Month Certificate
4.60%$100k-12 Month Jumbo Certificate
4.50%$500-12 Month Certificate
4.35%$100k-24 Month Jumbo Certificate
4.25%$500-24 Month Certificate
4.10%$100k-91 Day Jumbo Certificate
4.10%$100k-36 Month Jumbo Certificate
4.00%$500-91 Day Certificate
4.00%$500-36 Month Certificate
4.00%$100k-48 Month Jumbo Certificate
3.90%$500-48 Month Certificate
3.85%$100k-60 Month Jumbo Certificate
3.75%$500-60 Month Certificate

Atlanta Postal Credit Union IRA Rates

4.60%$100k-12 Month Jumbo IRA
4.50%$2k-12 Month IRA
4.35%$100k-24 Month Jumbo IRA
4.25%$2k-24 Month IRA
4.10%$100k-36 Month Jumbo IRA
4.00%$2k-36 Month IRA
4.00%$100k-48 Month Jumbo IRA
3.90%$2k-48 Month IRA
3.85%$100k-60 Month Jumbo IRA
3.75%$2k-60 Month IRA


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