Pacific Postal Credit Union


1040 Leigh Ave
San Jose, CA 95126
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 3.50% →
1-Year CD N.A. 3.70% →
2-Year CD N.A. 3.80% →
5-Year CD N.A. 4.25% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Pacific Postal is an NCUA insured institution located in San Jose, CA. It was founded in 1931 and has approximately $256.92 millions in assets.

Who can join?

You are eligible to join if you are:

• Employed by or retired from the U.S. Postal Service in the counties of San Francisco, Marin, Sonoma, Napa, San Mateo, Santa Clara, Santa Cruz, Monterey, San Benito, Solano, Contra Costa, Alameda, or San Joaquin counties, or
• Employed by or retired from Civil Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito and San Francisco.
• The spouse or relative of the above individuals or the spouse or relative of those who are already members of Pacific Postal Credit Union.

NCUA Insured Yes / State-Chartered
Charter Number # # 64835
Date Established 1931
Assets $256.92 million
Loans $94.63 million
Deposits $221.22 million
Capital $37.71 million

Field of Membership Restrictions

Membership is open to employees and retirees of the U.S. Postal Service in San Mateo, Santa Clara, Monterey, Santa Cruz, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin and San Joaquin counties in California; civil service employees of San Mateo, Santa Clara, Monterey, San Benito, Santa Cruz and San Francisco counties.

Deposit Rates - October 1, 2022

Your Current Location: California, CA 92111

We do not yet have rates for Pacific Postal

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Advertiser Disclosure

Loan Rates - October 1, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for PACIFIC POSTAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
6.477% 6.375% 0.63 $2,678 $1,560 Learn More
NMLS ID: 1907
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AmeriSave Mortgage Corporation
NMLS ID: 1168
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Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
5.740 %
After Intro: 7.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are Pacific 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:
San Diego,California

Pacific Postal Locations

Climate Initiatives

PACIFIC 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

Pacific Postal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pacific 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
Pacific Postal U.S. Average
0.94% 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, Pacific Postal had $322,979 in non-current loans and $37,275 in owned assets. To cover these potential losses it had $37,707,214 in net worth and $489,441 in loans loss reserves. That gives it a Texas Ratio of 0.94%.

Net Worth
Pacific Postal U.S. Average
14.68% 12.28%

Pacific Postal FCU has a net worth of 14.68% 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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