Atlanta, GA 30380


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 67389
Date Established 1925
Assets $2,124.07 million
Loans $1,543.58 million
Deposits $1,849.75 million
Capital $286.68 million

Atlanta Postal is an NCUA insured institution located in Atlanta, GA. It was founded in 1925 and has approximately $2124.07 millions in assets.

Who can join?

You are eligible to join if you are employed by, retired from or associated with any of the companies, organizations or associations listed below:


Field of Membership Restrictions

Membership in Atlanta Postal Credit Union is open to the following: (1) employees, retirees and contractors of the United States Postal Service under the authority of Postmaster General; (2) members of the National League of Postmasters, National Rural Letter Carriers, National Association of Retired Postal Inspectors, Association of United States Postal Lessors; (3) employees of the Federal government, both military and civilian, who live within the state of Georgia; (4) employees and retirees of the state of Georgia or any Georgia college, university, or elected officials; (5) employees or members of the Greater Atlanta Postal Customer Council and their family who live in Georgia; (6) employees of West Central Georgia Regional Hospital; (7) employees of Harris, Talbot, Marion, Meriweather, and Chattahoochie County school systems; (8) employees of Columbus State University and members of the Columbus State University Alumni Association; (9) residents of Bibb County in Georgia; (10) employees of the City of Forsyth; and other Select Groups in the state of Georgia.

Deposit Rates - March 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
2.30% $2,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.85% $100,000 - Learn MoreShow Less
1.00% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.10% $100,000 - Learn MoreShow Less
2.30% $500 $99,999 Learn MoreShow Less
2.40% $100,000 $499,999 Learn MoreShow Less
2.50% $500 $99,999 Learn MoreShow Less
2.60% $100,000 $499,999 Learn MoreShow Less
2.55% $500 $99,999 Learn MoreShow Less
2.60% $500 $99,999 Learn MoreShow Less
2.75% $500 $99,999 Learn MoreShow Less
3.10% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.75% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $1,499 Learn MoreShow Less
Int Ckg
0.40% $2,500 - Learn MoreShow Less

Loan Rates - March 18, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 1.79% 1.79% $713.77
4 Year 2.09% 2.09% $543.36
5 Year 2.09% 2.09% $439.18
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Below are Atlanta Postal branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Atlanta Postal Locations

Financial Details

Atlanta Postal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atlanta Postal. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Atlanta Postal U.S. Average
2.78% 6.94

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2018, Atlanta Postal had $7,811,192 in non-current loans and $402,758 in owned assets. To cover these potential losses it had $286,682,984 in net worth and $8,331,346 in loans loss reserves. That gives it a Texas Ratio of 2.78%.

Net Worth
Atlanta Postal U.S. Average
13.49% 13.08%

Atlanta Postal FCU has a net worth of 13.49% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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