Atlanta Postal Credit Union
Headquarters
3900 Crown Road
Atlanta, GA 30380
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2025 Overview
General Credit Union Information
Atlanta Postal is an NCUA insured institution located in Atlanta, GA. It was founded in 1925 and has approximately $2408.97 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:
List: https://www.apcu.com/site/member_who.html
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67389 |
| Date Established | 1925 |
| Assets | $2,408.97 million |
| Loans | $1,759.37 million |
| Deposits | $2,060.41 million |
| Capital | $332.52 million |
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 - July 30, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.40% | $2,500 | $4,999 |
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|
|
Money Market
|
0.50% | $25,000 | $49,999 |
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|
|
Money Market
|
0.60% | $50,000 | $99,999 |
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|
|
Money Market
|
0.70% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $500 | - |
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|
| 12 Mo CD
|
0.70% | $10,000 | $99,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $99,999 |
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|
| 24 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.00% | $10,000 | $99,999 |
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|
| 30 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $99,999 |
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|
| 36 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $99,999 |
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|
| 48 Mo CD
|
1.30% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $99,999 |
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|
| 60 Mo CD
|
1.35% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
1.40% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.25% | $2,500 | $3,499 | Learn More |
Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 4 Year | 2.99% | 2.99% | $553.25 | |
| 5 Year | 2.99% | 2.99% | $449.11 |
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Loan
See Table |
6.24% | 5.75% | $1,921.68 | |
| 10 Year Loan
See Table |
6.26% | 6.00% | $1,110.21 | |
| 15 Year Loan
See Table |
6.44% | 6.25% | $857.42 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.80% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $2,505.02 | |
| 30 Year Fixed Conforming See Amortization Table |
7.40% | 7.38% | $2,210.16 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.80% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $2,505.02 | |
| 30 Year Fixed Conforming See Amortization Table |
7.40% | 7.38% | $2,210.16 | |
Compare with 6.380% APR and 6.250% 30-Year Fixed RATE from Reliant Home Funding, Inc.
See All Mortgage Rates |
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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.
Branches
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:
New York City,New York
Atlanta Postal Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 578.50 | A | View Lobby Hours | |
| 709.61 | B | View Lobby Hours | |
| 728.31 | C | View Lobby Hours | |
| 730.78 | D | View Lobby Hours | |
| 731.52 | E | View Lobby Hours | |
| 735.57 | F | View Lobby Hours | |
| 735.79 | G | View Lobby Hours | |
| 745.75 | H | View Lobby Hours |
Climate Policy and Initiatives
ATLANTA POSTAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 8.23% | 6.86 |
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, 2025, Atlanta Postal had $27,496,634 in non-current loans and $470,750 in owned assets. To cover these potential losses it had $332,516,946 in net worth and $7,304,343 in loans loss reserves. That gives it a Texas Ratio of 8.23%.
Net Worth
| Atlanta Postal | U.S. Average |
|---|---|
| 13.8% | 14.12% |
Atlanta Postal FCU has a net worth of 13.8% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Atlanta Postal
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