ATLANTA POSTAL

3900 CROWN ROAD
Atlanta, GA 30380

Overview
Membership
Deposit Rates
Loan Rates
Branches
Financial Details
FAQs
Articles
Reviews

2018 Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 67389
Date Established	1925
Assets	$2,118.66 million
Loans	$1,517.37 million
Deposits	$1,857.84 million
Capital	$283.42 million

Atlanta Postal is an NCUA insured institution located in Atlanta, GA. It was founded in 1925 and has approximately $2118.66 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

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 - September 18, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates)	APY	MIN	MAX
3 Mo CD 10K	0.75%	$500	$99,999	Learn MoreShow Less
3 Mo CD 100K	0.85%	$100,000	-	Learn MoreShow Less
6 Mo CD 10K	0.80%	$500	$99,999	Learn MoreShow Less
6 Mo CD 100K	0.90%	$100,000	-	Learn MoreShow Less
12MCD10K	2.10%	$500	$99,999	Learn MoreShow Less
Compare with 2.65% APY 13 Month CD from Synchrony \| Advertiser Disclosure
12MCD100K	2.20%	$100,000	$499,999	Learn MoreShow Less
Compare with 2.65% APY 13 Month CD from Synchrony \| Advertiser Disclosure
24MCD10K	2.30%	$500	$99,999	Learn MoreShow Less
24MCD100K	2.40%	$100,000	$499,999	Learn MoreShow Less
30MCD10K	2.35%	$500	$99,999	Learn MoreShow Less
36MCD10K	2.40%	$500	$99,999	Learn MoreShow Less
48MCD10K	2.50%	$500	$99,999	Learn MoreShow Less
60MCD10K	2.85%	$500	$99,999	Learn MoreShow Less
Compare with 3.10% APY 60 Month CD from Marcus by Goldman Sachs \| Advertiser Disclosure

Savings Rates (Share Account Rates)	APY	MIN	MAX
Savings 2.5K	0.75%	$50	-	Learn MoreShow Less
Compare with 1.85% APY Online Savings Account from Marcus by Goldman Sachs \| Advertiser Disclosure

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA 0K	2.10%	$2,000	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA 0K	1.75%	$1	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg 0K	0.10%	$1	$1,499	Learn MoreShow Less
Int Ckg 2.5K	0.40%	$2,500	-	Learn MoreShow Less

Loan Rates - September 18, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates	APR	Rate	Monthly Payment
Line of Credit	4.00%	4.00%	Varies	Learn MoreShow Less
Compare with 4.240 RATE Line of Credit* from* See All Home Equity Rates
3 Year Loan	2.19%	2.19%	$1,436.28	Learn MoreShow Less
4 Year Loan	2.19%	2.19%	$1,088.91	Learn MoreShow Less
5 Year Loan	2.29%	2.29%	$882.75	Learn MoreShow Less
10 Year Loan	6.01%	5.75%	$548.85	Learn MoreShow Less
15 Year Loan	6.18%	6.00%	$421.93	Learn MoreShow Less

Auto Loan Rates	APR	Rate	Monthly Payment
3 Year	1.79%	1.79%	$713.77	Learn MoreShow Less
4 Year	2.09%	2.09%	$543.36	Learn MoreShow Less
5 Year	2.09%	2.09%	$439.18	Learn MoreShow Less

Refinance Mortgage Rates	APR	Rate	Monthly Payment
15 Year Fixed Conforming	4.30%	4.25%	$1,880.70	Learn MoreShow Less
20 Year Fixed Conforming	4.41%	4.38%	$1,565.48	Learn MoreShow Less
30 Year Fixed Conforming	4.78%	4.75%	$1,304.12	Learn MoreShow Less

Purchase Mortgage Rates	APR	Rate	Monthly Payment
15 Year Fixed Conforming	4.30%	4.25%	$1,880.70	Learn MoreShow Less
20 Year Fixed Conforming	4.41%	4.38%	$1,565.48	Learn MoreShow Less
30 Year Fixed Conforming	4.78%	4.75%	$1,304.12	Learn MoreShow Less
Compare with 4.544% APR and 4.500% 30-Year Fixed RATE from AimLoan.com NMLS#2890 See All Mortgage Rates

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:
Ashburn,Virginia

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
3.84%	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 $10,942,760 in non-current loans and $249,359 in owned assets. To cover these potential losses it had $283,418,807 in net worth and $8,128,535 in loans loss reserves. That gives it a Texas Ratio of 3.84%.

Net Worth

Atlanta Postal	U.S. Average
13.37%	13.08%

Atlanta Postal FCU has a net worth of 13.37% 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.

Frequently Asked Questions On Atlanta Postal

What is Atlanta Postal?

A federal credit union, registered with the NCUA under certificate #67389.
Learn more about credit unions here.

Is Atlanta Postal FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.