Overview / Commentary
1040 Leigh Ave
San Jose, CA 95126

Pacific Postal Credit Union is headquartered in San Jose and is the 113th largest credit union in the state of California. It is also the 994th largest credit union in the nation. It was established in 1931 and as of September of 2018, it had grown to 29 employees and 14,183 members at 4 locations. Pacific Postal Credit Union's CD rates are 54% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership to Pacific Postal Credit Union is open to employees, contract employees and retirees of the U.S. Postal Service in the counties of Alameda, Contra Costa, Marin, Monterey, Napa, San Benito, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano and Sonoma, California. Membership is also available to civil service employees of Monterey, San Benito, San Francisco, San Mateo, Santa Clara and Santa Cruz counties in California. Additionally, spouses, surviving spouses, all relatives and household members are eligible for membership.
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Health Grade Components

NCUA #64835
Year Chartered1931
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD6.01%
Annual Interest Income$6.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$219.4MM$222.8MM
LoansQ3 2018vs Q3 2017$65.3MM$60.0MM
DepositsQ3 2018vs Q3 2017$187.9MM$189.1MM
Equity CapitalQ3 2018vs Q3 2017$29.6MM$31.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$314.00K$583.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$470.00K$183.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pacific Postal Credit Union Savings Account Rates

2.76%*-$1kYoung Adult "One Pack" Savings Account
OTHER TIERS: 0.10% $1k+
2.76%*-$500Teen Pack Savings Account
OTHER TIERS: 0.10% $1k+ | 2.51% $500 - $1k
0.75%--Traditional IRA Savings Account
0.75%--Roth IRA Savings Account
0.75%--Coverdell Education Savings Account
0.75%--Conduit IRA Savings Account
0.40%$10k-Silver Express
0.12%$1k-Daily Share Account
0.10%$100-Regular Share Account
0.10%$100-Trustee Shares Account
0.10%$100-Custodial Shares Account
0.10%--Holiday Share Account
0.10%$100-Scottie Savers

Pacific Postal Credit Union Money Market Rates

0.15%$2.5k-Money Market Account

Pacific Postal Credit Union Checking Account Rates

0.10%--Checking Account

Pacific Postal Credit Union CD Rates

1.80%*$50k*-2 Year CD
OTHER TIERS: 1.62% $2k - $4k | 1.64% $4k - $6k | 1.66% $6k - $10k | 1.72% $10k - $20k | 1.76% $20k - $50k
1.39%*$50k*-1 Year CD
OTHER TIERS: 1.22% $2k - $4k | 1.24% $4k - $6k | 1.26% $6k - $10k | 1.31% $10k - $20k | 1.35% $20k - $50k
0.59%*$50k*-6 Month CD
OTHER TIERS: 0.41% $2k - $4k | 0.43% $4k - $6k | 0.45% $6k - $10k | 0.51% $10k - $20k | 0.55% $20k - $50k
0.53%*$50k*-3 Month CD
OTHER TIERS: 0.33% $2k - $4k | 0.35% $4k - $6k | 0.37% $6k - $10k | 0.45% $10k - $20k | 0.49% $20k - $50k

Pacific Postal Credit Union IRA Rates

1.51%$1k-12 Month Traditional IRA
1.51%$1k-12 Month Roth IRA
1.51%$1k-12 Month Coverdell Education Savings Account
1.51%$1k-12 Month Conduit IRA

Pacific Postal Credit Union Locations
Branch Office480 ROLAND WAY STE 102OAKLAND, CA 94621
Branch Office1040 Leigh AveSan Jose, CA 95126
Branch Office175 Mendell StSan Francisco, CA 94124
Branch Office1750 Lundy AveSan Jose, CA 95131

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