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Postal & Community Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
yourpccu.org
816-279-5656
3921 Oakland Ave
Saint Joseph, MO 64506

Postal & Community Credit Union is headquartered in Saint Joseph and is the 33rd largest credit union in the state of Missouri. It is also the 1,979th largest credit union in the nation. It was established in 1922 and as of December of 2024, it had grown to 12 employees and 11,015 members at 2 locations. Postal & Community Credit Union's money market rates are 5X the national average, and it has an A 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.
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters
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

Overall
NCUA #64145
Year Chartered1922
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD12.21%
Annual Interest Income$4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$83.6MM$77.2MM
LoansQ4 2024vs Q4 2023$61.3MM$56.8MM
DepositsQ4 2024vs Q4 2023$75.5MM$70.1MM
Equity CapitalQ4 2024vs Q4 2023$7.9MM$7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$26K$201K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$191K$399K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Savings Account
0.15%$25-Holiday Club Account
0.15%$25-Vacation Club Account

Postal & Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Money Market Accounts
OTHER TIERS: 1.00% → $1k - $25k | 1.50% → $25k - $50k | 1.75% → $50k - $100k

Postal & Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Premier Checking Account

Postal & Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-7 Month Share Certificate
3.75%$500-11 Month Share Certificate
3.50%$500-18 Month Share Certificate
3.00%$500-3 Month Share Certificate
3.00%$500-6 Month Share Certificate
3.00%$500-9 Month Share Certificate
3.00%$500-1 Year Share Certificate
3.00%$500-2 Year Share Certificate
3.00%$500-3 Year Share Certificate
3.00%$500-4 Year Share Certificate
3.00%$500-5 Year Share Certificate

Postal & Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-7 Month IRA
3.75%$500-11 Month IRA
3.50%$500-18 Month IRA
3.00%$500-3 Month IRA
3.00%$500-6 Month IRA
3.00%$500-9 Month IRA
3.00%$500-1 Year IRA
3.00%$500-2 Year IRA
3.00%$500-3 Year IRA
3.00%$500-4 Year IRA
3.00%$500-5 Year IRA
0.15%$25-IRA Savings Accounts
Locations


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

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