Atlanta Postal Credit Union Offers Top Rates on Long-Term CDs

Atlanta Postal Credit Union (APCU) is currently offering two competitive long-term Jumbo Certificates. The 48-month earns 1.25% APY, with the 60-month earning 1.30% APY. A minimum $100k deposit is required to earn the stated APY. Both the 48- and 60-month are offered as Standard Certificates ($500 minimum), earning APYs 10 bps lower.

The Standard and Jumbo Certificates are also available as IRA Certificates (Traditional, Roth), earning the same APYs with the same deposit requirements, except for the Standard IRA Certificates which have a $2k minimum deposit.

As stated in the Rate and Fee Schedule,, the Early Withdrawal Penalty reads as follows:

Terms of 1 year or more 180 days interest.

The Rate and Fee Schedule reads “Effective Date August 5, 2021 Through August 11, 2021.” CSR stated that if Certificate rate changes occur on Thursdays.

There is a 10-day grace period before a Standard or Jumbo Certificate automatically renews.

Availability

Headquartered in Atlanta, Georgia, Atlanta Postal Credit Union's field of membership (FOM) has substantially expanded in the past nine years.

Individuals who live or work in the Georgia counties of Bibb, Bryan, Chatham, DeKalb, Effingham, Floyd, Fulton, Gwinnett, or Muscogee are eligible to join. (In 2012, only Bibb County was included in the FOM.)

As APCU's name implies, the United States Postal Service (USPS) plays a prominent part in the FOM, with employees, retirees, and members of 11 organizations associated with the USPS, qualifying for membership. Some of these organizations are USPS, National Rural Letter Carriers, United Postmasters and Managers of America, and National Association of Retired Postal Inspectors.

Employees and members of more than 40 other companies, organizations, and associations are eligible for membership. The largest of these SEGs is defined as “all State of Georgia employees or retirees of any State of Georgia agency, department, authority, bureau, board, commission, college, university, and elected officials.” A complete list can be found on APCU’s Membership page.

Individuals who are related to, or living in the same household with, someone who is membership-eligible or already an APCU member are welcome to apply. This includes spouses, siblings, parents, children, grandchildren, grandparents, aunts, uncles, nieces, nephews, and in-laws of existing members.

Joining APCU and/or opening a Jumbo Certificate can be done online. The vast majority of the lobbies of APCU’s Georgia branches and the single North Carolina branch are open to walk-in traffic, but the Macon and Rome branch locations are currently only offering drive-thru service. APCU continues to accept in-branch appointments to meet with an APCU representative.

Four of APCU branch locations now operate under the Center Parc Credit Union brand.

APCU members can also conduct all of their APCU transactions and business at any Center Parc Credit Union location. Center Parc Credit Union is a division of APCU.

Opening a Primary Savings Share Account with a minimum $5 deposit establishes an APCU membership.

APCU participates in both the CO-OP Shared Branch and ATM networks.

Credit Union Overview

Atlanta Postal Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 1.16% (excellent) based on March 31, 2021 data. In the past year, APCU has increased its total non-brokered deposits by $270.79 million, resulting in an excellent annual growth rate of 14.15%. Please refer to our financial overview of Atlanta Postal Credit Union (NCUA Charter # 67389) for more details.

Atlanta Postal Credit Union is currently Georgia’s fourth largest credit union, with nearly more than 101,000 members and assets in excess of $2.4 billion. APCU is also Georgia’s oldest credit union.

In 1922, Atlanta Post Office employee Claude M. Harrell read an article in Colliers Magazine about Boston businessman and philanthropist Edward Filene and his establishment of a new kind of cooperative financial institution: the credit union. Mr. Harrell believed a credit union's emphasis on people helping people could help improve the financial well-being of postal employees in Georgia. He led the effort to gain legislative support for the necessary laws that would allow the establishment of a not-for-profit financial institution. In 1925, the laws passed and APCU was chartered.

How the Jumbo Certificates Compare

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM, Atlanta Postal Credit Union's 48-month Jumbo Certificate APY currently ranks second, regardless of minimum deposit requirements.

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that are available within the FOM, Atlanta Postal Credit Union's 60-month Jumbo Certificate APY currently ranks second, regardless of minimum deposit requirements.

The above information and rates are accurate as of 8/9/2021.

To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.