Overview / Commentary
4248 S Broad St
Trenton, NJ 08620-2105

Postal Employees CU (NJ) is headquartered in Trenton and is the 49th largest credit union in the state of New Jersey. It is also the 2,582nd largest credit union in the nation. It was established in 1928 and as of September of 2018, it had grown to 3 employees and 2,309 members at 1 location. Postal Employees CU (NJ)'s CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership for Postal Employees CU is open to full time federal employees working in the 085XX or 086XX zip code area and their family.
See current membership details


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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 Employees CU (NJ) has a low asset base.

Health Grade Components

NCUA #64882
Year Chartered1928
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.25%
Annual Interest Income$835.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$39.3MM$40.4MM
LoansQ3 2018vs Q3 2017$13.0MM$16.5MM
DepositsQ3 2018vs Q3 2017$33.3MM$34.5MM
Equity CapitalQ3 2018vs Q3 2017$5.8MM$5.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$185.00K$209.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$144.00K$135.00K
Real Estate OwnedQ3 2018vs Q3 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 Employees CU (NJ) Savings Account Rates

0.50%$50k-Super Shares
0.30%$10k$50kPrimary Shares
0.10%-$10kRegular Shares

Postal Employees CU (NJ) Checking Account Rates

0.10%--Share Draft (Checking)

Postal Employees CU (NJ) CD Rates

2.00%*$85k*-60 Month CD
OTHER TIERS: 1.80% $500 - $20k | 1.90% $20k - $85k
1.85%*$85k*-48 Month CD
OTHER TIERS: 1.65% $500 - $20k | 1.75% $20k - $85k
1.50%*$85k*-36 Month CD
OTHER TIERS: 1.30% $500 - $20k | 1.40% $20k - $85k
1.35%*$85k*-30 Month CD
OTHER TIERS: 1.15% $500 - $20k | 1.25% $20k - $85k
1.30%*$85k*-24 Month CD
OTHER TIERS: 1.10% $500 - $20k | 1.20% $20k - $85k
1.15%*$85k*-18 Month CD
OTHER TIERS: 0.95% $500 - $20k | 1.05% $20k - $85k
1.00%*$85k*-12 Month CD
OTHER TIERS: 0.80% $500 - $20k | 0.90% $20k - $85k
0.70%*$85k*-9 Month CD
OTHER TIERS: 0.50% $500 - $20k | 0.60% $20k - $85k
0.55%*$85k*-6 Month CD
OTHER TIERS: 0.35% $500 - $20k | 0.45% $20k - $85k
0.50%*$85k*-3 Month CD
OTHER TIERS: 0.30% $500 - $20k | 0.40% $20k - $85k

Postal Employees CU (NJ) IRA Rates

2.02%*$85k*-60 Month IRA
OTHER TIERS: 1.81% $500 - $20k | 1.92% $20k - $85k
1.85%*$85k*-48 Month IRA
OTHER TIERS: 1.66% $500 - $20k | 1.76% $20k - $85k
1.51%*$85k*-36 Month IRA
OTHER TIERS: 1.31% $500 - $20k | 1.41% $20k - $85k
1.36%*$85k*-30 Month IRA
OTHER TIERS: 1.16% $500 - $20k | 1.26% $20k - $85k
1.31%*$85k*-24 Month IRA
OTHER TIERS: 1.11% $500 - $20k | 1.21% $20k - $85k
1.16%*$85k*-18 Month IRA
OTHER TIERS: 0.95% $500 - $20k | 1.06% $20k - $85k
1.00%*$85k*-12 Month IRA
OTHER TIERS: 0.80% $500 - $20k | 0.90% $20k - $85k
0.70%*$85k*-9 Month IRA
OTHER TIERS: 0.50% $500 - $20k | 0.60% $20k - $85k
0.55%*$85k*-6 Month IRA
OTHER TIERS: 0.35% $500 - $20k | 0.45% $20k - $85k
0.50%*$85k*-3 Month IRA
OTHER TIERS: 0.30% $500 - $20k | 0.40% $20k - $85k

Postal Employees CU (NJ) Locations
Branch Office4248 S Broad StTrenton, NJ 08620-2105

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