Overview / Commentary
3921 Oakland Ave
Saint Joseph, MO 64506

Postal & Community Credit Union is headquartered in Saint Joseph and is the 39th largest credit union in the state of Missouri. It is also the 2,315th largest credit union in the nation. It was established in 1922 and as of June of 2018, it had grown to 12 employees and 10,015 members at 5 locations. Postal & Community Credit Union's money market rates are 70% higher than 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.
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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 - YTD0.33%
Return on Equity - YTD4.13%
Annual Interest Income$736.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$51.2MM$47.2MM
LoansQ2 2018vs Q2 2017$33.0MM$30.1MM
DepositsQ2 2018vs Q2 2017$47.1MM$43.3MM
Equity CapitalQ2 2018vs Q2 2017$4.0MM$3.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$161.00K$174.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$129.00K$162.00K
Real Estate OwnedQ2 2018vs Q2 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.

Postal & Community Credit Union Savings Account Rates

0.20%$25-IRA Savings Accounts
0.15%$25-Savings Account
0.15%$25-Holiday Club Account
0.15%$25-Vacation Club Account

Postal & Community Credit Union Money Market Rates

0.75%*$100k*-Money Market Accounts
OTHER TIERS: 0.25% $1k - $25k | 0.55% $25k - $50k | 0.65% $50k - $100k

Postal & Community Credit Union Checking Account Rates

0.10%$500-Premier Checking Account

Postal & Community Credit Union CD Rates

3.00%$500-18 Month Share Certificate
2.00%$500-6 Month Share Certificate
1.20%$500-5 Year Share Certificate
1.10%$500-4 Year Share Certificate
1.00%$500-3 Year Share Certificate
0.95%$500-2 Year Share Certificate
0.55%$500-1 Year Share Certificate
0.55%$500-11 Month Share Certificate
0.45%$500-9 Month Share Certificate
0.45%$500-7 Month Share Certificate
0.25%$500-3 Month Share Certificate

Postal & Community Credit Union IRA Rates

3.00%$500-18 Month IRA
2.00%$500-6 Month IRA
1.20%$500-5 Year IRA
1.10%$500-4 Year IRA
1.00%$500-3 Year IRA
0.95%$500-2 Year IRA
0.55%$500-1 Year IRA
0.55%$500-11 Month IRA
0.45%$500-9 Month IRA
0.45%$500-7 Month IRA
0.25%$500-3 Month IRA

Postal & Community Credit Union Locations
Branch Office14902 W 117th StOlathe, KS 66062-9306
Branch Office3602 N Belt HwySaint Joseph, MO 64506-1399
Branch Office3921 Oakland AveSaint Joseph, MO 64506
Branch Office402 S. Bus 71 HwySavannah, MO 64485
Branch Office5325 Faraon StSaint Joseph, MO 64506-3488

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