Postal & Community Credit Union

Overview / Commentary
3921 Oakland Ave
Saint Joseph, MO 64506

Postal & Community Credit Union is headquartered in Saint Joseph and is the 40th largest credit union in the state of Missouri. It is also the 2,173rd largest credit union in the nation. It was established in 1922 and as of June of 2022, it had grown to 12 employees and 10,727 members at 2 locations. Postal & Community Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Postal & Community Credit Union offers membership to individuals who live or work in Andrew or Buchanan Counties in Missouri, or Atchison, Doniphan, or Leavenworth Counties in Kansas. Family members of current credit union members may also join.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Postal & Community Credit Union has a relatively low asset base.

Health Grade Components

NCUA #64145
Year Chartered1922
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.94%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$72.1MM$67.7MM
LoansQ2 2022vs Q2 2021$50.6MM$44.9MM
DepositsQ2 2022vs Q2 2021$65.9MM$62.2MM
Equity CapitalQ2 2022vs Q2 2021$6.1MM$5.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$91.00K$139.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$166.00K$167.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Postal & Community 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.

Postal & Community Credit Union Savings Account Rates

0.15%$25-Savings Account
0.15%$25-Holiday Club Account
0.15%$25-Vacation Club Account
0.15%$25-IRA Savings Accounts

Postal & Community Credit Union Money Market Rates

0.90%*$100k*-Money Market Accounts
OTHER TIERS: 0.75% $1k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k

Postal & Community Credit Union Checking Account Rates

0.10%$500-Premier Checking Account

Postal & Community Credit Union CD Rates

4.00%$500-2 Year Share Certificate
3.51%$500-1 Year Share Certificate
3.25%$500-9 Month Share Certificate
2.50%$500-5 Year Share Certificate
2.25%$500-4 Year Share Certificate
2.00%$500-3 Year Share Certificate
1.75%$500-18 Month Share Certificate
1.50%$500-11 Month Share Certificate
1.25%$500-7 Month Share Certificate
1.00%$500-6 Month Share Certificate
0.75%$500-3 Month Share Certificate

Postal & Community Credit Union IRA Rates

4.00%$500-2 Year IRA
3.51%$500-1 Year IRA
3.25%$500-9 Month IRA
2.50%$500-5 Year IRA
2.25%$500-4 Year IRA
2.00%$500-3 Year IRA
1.75%$500-18 Month IRA
1.50%$500-11 Month IRA
1.25%$500-7 Month IRA
1.00%$500-6 Month IRA
0.75%$500-3 Month IRA

Postal & Community Credit Union Locations
Branch Office3921 Oakland AveSaint Joseph, MO 64506
Branch Office402 S. Bus 71 HwySavannah, MO 64485

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