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Postal & Community Credit Union


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 35th largest credit union in the state of Missouri. It is also the 2,040th largest credit union in the nation. It was established in 1922 and as of March of 2024, it had grown to 13 employees and 10,936 members at 2 locations. Postal & Community Credit Union's money market rates are 5X 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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Health
B+

Data as of Q1 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
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD12.19%
Annual Interest Income$924K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$80.3MM$76.7MM
LoansQ1 2024vs Q1 2023$58.6MM$54.9MM
DepositsQ1 2024vs Q1 2023$72.9MM$70.2MM
Equity CapitalQ1 2024vs Q1 2023$7.2MM$6.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$171K$116K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$287K$145K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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
4.75%$500-7 Month Share Certificate
4.00%$500-11 Month Share Certificate
3.25%$500-18 Month Share Certificate
2.75%$500-3 Month Share Certificate
2.75%$500-6 Month Share Certificate
2.75%$500-9 Month Share Certificate
2.75%$500-1 Year Share Certificate
2.75%$500-2 Year Share Certificate
2.75%$500-3 Year Share Certificate
2.75%$500-4 Year Share Certificate
2.75%$500-5 Year Share Certificate

Postal & Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-7 Month IRA
4.00%$500-11 Month IRA
3.25%$500-18 Month IRA
2.75%$500-3 Month IRA
2.75%$500-6 Month IRA
2.75%$500-9 Month IRA
2.75%$500-1 Year IRA
2.75%$500-2 Year IRA
2.75%$500-3 Year IRA
2.75%$500-4 Year IRA
2.75%$500-5 Year IRA
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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