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Overview / Commentary
800-696-6009
1040 Leigh Ave
San Jose, CA 95126

Pacific Postal Credit Union is headquartered in San Jose and is the 110th largest credit union in the state of California. It is also the 975th largest credit union in the nation. It was established in 1931 and as of June of 2017, it had grown to 28 employees and 14,236 members at 4 locations. Pacific Postal Credit Union's CD rates are 17% higher than the national average, and it boasts 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
A+

Health Grade Components

Overall
NCUA #64835
Year Chartered1931
Employees28
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD4.41%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$222.2MM$214.2MM
LoansQ2 2017vs Q2 2016$58.8MM$56.9MM
DepositsQ2 2017vs Q2 2016$189.2MM$181.6MM
Equity CapitalQ2 2017vs Q2 2016$31.4MM$30.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$557.00K$491.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$243.00K$609.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
1.00%--Traditional IRA Savings Account
1.00%--Roth IRA Savings Account
1.00%--Coverdell Education Savings Account
1.00%--Conduit IRA Savings Account
0.30%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Money Market Account

Pacific Postal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Checking Account

Pacific Postal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.37%*$50k*-2 Years CD
OTHER TIERS: 1.05% $2k - $4k | 1.07% $4k - $6k | 1.09% $6k - $10k | 1.22% $10k - $20k | 1.27% $20k - $50k
1.05%*$50k*-1 Year CD
OTHER TIERS: 0.87% $2k - $4k | 0.89% $4k - $6k | 0.91% $6k - $10k | 0.96% $10k - $20k | 0.98% $20k - $50k
0.83%*$50k*-6 Months CD
OTHER TIERS: 0.73% $2k - $4k | 0.75% $4k - $6k | 0.77% $6k - $10k | 0.79% $10k - $20k | 0.81% $20k - $50k
0.79%*$50k*-3 Months CD
OTHER TIERS: 0.69% $2k - $4k | 0.71% $4k - $6k | 0.73% $6k - $10k | 0.75% $10k - $20k | 0.77% $20k - $50k

Pacific Postal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-Traditional IRA
0.50%$1k-Roth IRA
0.50%$1k-Coverdell Education Savings Account
0.50%$1k-Conduit IRA
Locations


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