2020 Overview
General Credit Union Information
Atlanta Postal is an NCUA insured institution located in Atlanta, GA. It was founded in 1925 and has approximately $2151.3 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 |
| Charter Number # | # 67389 |
| Date Established | 1925 |
| Assets | $2,151.30 million |
| Loans | $1,545.76 million |
| Deposits | $1,854.48 million |
| Capital | $306.48 million |
Field of Membership Restrictions
Deposit Rates - May 29, 2020
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.50% | $50 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.55% | $500 | $99,999 |
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|
| 3 Mo CD
|
0.65% | $100,000 | - |
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|
| 6 Mo CD
|
0.70% | $500 | $99,999 |
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|
| 6 Mo CD
|
0.80% | $100,000 | - |
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|
| 12 Mo CD
|
1.40% | $500 | $99,999 |
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|
| 12 Mo CD
|
1.50% | $100,000 | $499,999 |
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|
| 24 Mo CD
|
1.50% | $500 | $99,999 |
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|
| 24 Mo CD
|
1.60% | $100,000 | - |
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|
| 30 Mo CD
|
1.55% | $500 | $99,999 |
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|
| 30 Mo CD
|
1.65% | $100,000 | - |
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|
| 36 Mo CD
|
1.60% | $500 | $99,999 |
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|
| 36 Mo CD
|
1.70% | $100,000 | - |
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|
| 48 Mo CD
|
1.70% | $500 | $99,999 |
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|
| 48 Mo CD
|
1.80% | $100,000 | - |
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|
| 60 Mo CD
|
2.00% | $500 | $99,999 |
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|
| 60 Mo CD
|
2.10% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
1.50% | $1 | - | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
1.40% | $2,000 | $99,999 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $1,499 | Learn More |
| Int Ckg
|
0.40% | $2,500 | - | Learn More |
Loan Rates - May 29, 2020
Your Current Location: Virginia, VA 20146
| 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 | 6.24% | 5.75% | $960.84 | |
| 10 Year Loan | 6.26% | 6.00% | $555.10 | |
| 15 Year Loan | 6.44% | 6.25% | $428.71 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming | 3.30% | 3.25% | $1,756.67 | |
| 20 Year Fixed Conforming | 3.66% | 3.63% | $1,466.01 | |
| 30 Year Fixed Conforming | 3.90% | 3.88% | $1,175.59 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming | 3.30% | 3.25% | $1,756.67 | |
| 20 Year Fixed Conforming | 3.66% | 3.63% | $1,466.01 | |
| 30 Year Fixed Conforming | 3.90% | 3.88% | $1,175.59 | |
Compare with 2.952% APR and 2.875% 30-Year Fixed RATE from AimLoan.com
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:
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 |
|---|---|
| 2.90% | 5.92 |
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 September 30, 2019, Atlanta Postal had $8,301,377 in non-current loans and $830,389 in owned assets. To cover these potential losses it had $306,476,798 in net worth and $8,461,954 in loans loss reserves. That gives it a Texas Ratio of 2.90%.
Net Worth
| Atlanta Postal | U.S. Average |
|---|---|
| 14.24% | 13.86% |
Atlanta Postal FCU has a net worth of 14.24% versus the BestCashCow average of 13.86. 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 About Atlanta Postal
Branches and Savings
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.
Who can join Atlanta Postal?
Please see Field of Membership information above for information on who is eligible to join.
How big is Atlanta Postal?
Atlanta Postal has total capital of $306.48 million. Full information on Atlanta Postal's financial position is located above.
Who owns Atlanta Postal?
Credit Unions are owned by their members.
Where are Atlanta Postal branches located?
See branch locations nearby.
Are Atlanta Postal ATMs Open 24/7?
Do Atlanta Postal ATMs accept cash deposits?
Can Atlanta Postal customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Atlanta Postal have a mobile app?
Does Atlanta Postal have mobile deposit?
Does Atlanta Postal have quick pay?
How can Atlanta Postal transfer money to other banks or credit unions?
Does Atlanta Postal report to credit bureaus?
Does Atlanta Postal use Chexsystems?
Does Atlanta Postal use Equifax?
What is Atlanta Postal's toll free phone number?
What is Atlanta Postal's ACH Routing Number?
What is Atlanta Postal's SWIFT code?
Where can I find Atlanta Postal's wire transfer form?
What is the Atlanta Postal address for deposits?
What Products Does Atlanta Postal Offer
Does Atlanta Postal offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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