Atlanta Postal Credit Union
3900 Crown Road
Atlanta, GA 30380
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2022 Overview
General Credit Union Information
Atlanta Postal is an NCUA insured institution located in Atlanta, GA. It was founded in 1925 and has approximately $2589.08 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 | $2,589.08 million |
| Loans | $1,814.23 million |
| Deposits | $2,305.60 million |
| Capital | $328.49 million |
Field of Membership Restrictions
Deposit Rates - September 25, 2022
Your Current Location: Virginia, VA 20146
| 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 - September 25, 2022
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
See Table |
6.24% | 5.75% | $960.84 | |
| 10 Year Loan
See Table |
6.26% | 6.00% | $555.10 | |
| 15 Year Loan
See Table |
6.44% | 6.25% | $428.71 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.80% | 6.75% | $2,212.27 | |
| 20 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $1,957.05 | |
| 30 Year Fixed Conforming See Amortization Table |
7.40% | 7.38% | $1,726.69 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.80% | 6.75% | $2,212.27 | |
| 20 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $1,957.05 | |
| 30 Year Fixed Conforming See Amortization Table |
7.40% | 7.38% | $1,726.69 | |
Compare with 6.587% APR and 6.500% 30-Year Fixed RATE from Better.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
Climate 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.
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 |
|---|---|
| 10.90% | 4.75 |
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, 2022, Atlanta Postal had $35,955,913 in non-current loans and $623,901 in owned assets. To cover these potential losses it had $328,490,103 in net worth and $7,121,645 in loans loss reserves. That gives it a Texas Ratio of 10.90%.
Net Worth
| Atlanta Postal | U.S. Average |
|---|---|
| 12.69% | 12.28% |
Atlanta Postal FCU has a net worth of 12.69% versus the BestCashCow average of 12.28. 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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