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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 1,006th largest credit union in the nation. It was established in 1931 and as of March of 2018, it had grown to 30 employees and 14,186 members at 4 locations. Pacific Postal Credit Union's CD rates are 53% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of the U.S. Postal Service in San Mateo, Santa Clara, Monterey, Santa Cruz, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin and San Joaquin counties in California; civil service employees of San Mateo, Santa Clara, Monterey, San Benito, Santa Cruz and San Francisco counties.
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Health Grade Components

NCUA #64835
Year Chartered1931
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD5.81%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$217.1MM$217.6MM
LoansQ1 2018vs Q1 2017$61.5MM$56.6MM
DepositsQ1 2018vs Q1 2017$185.7MM$185.1MM
Equity CapitalQ1 2018vs Q1 2017$30.2MM$30.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$511.00K$485.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$271.00K$270.00K
Real Estate OwnedQ1 2018vs Q1 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

2.70%$5k$250k2 Year CD Special (New Money Only)
1.79%*$50k*-2 Year CD
OTHER TIERS: 1.61% $2k - $4k | 1.63% $4k - $6k | 1.65% $6k - $10k | 1.71% $10k - $20k | 1.75% $20k - $50k
1.38%*$50k*-1 Year CD
OTHER TIERS: 1.21% $2k - $4k | 1.23% $4k - $6k | 1.25% $6k - $10k | 1.30% $10k - $20k | 1.34% $20k - $50k
0.63%*$50k*-6 Month CD
OTHER TIERS: 0.45% $2k - $4k | 0.47% $4k - $6k | 0.49% $6k - $10k | 0.55% $10k - $20k | 0.59% $20k - $50k
0.57%*$50k*-3 Month CD
OTHER TIERS: 0.37% $2k - $4k | 0.39% $4k - $6k | 0.41% $6k - $10k | 0.47% $10k - $20k | 0.53% $20k - $50k

Pacific Postal Credit Union IRA Rates

2.25%$5k-2 Year IRA Special
1.51%$1k-Traditional IRA
1.51%$1k-Roth IRA
1.51%$1k-Coverdell Education Savings Account
1.51%$1k-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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