Watertown Postal


232 Commerce Park Dr, P O Box 6601
Watertown, NY 13601
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Watertown Postal is an NCUA insured institution located in Watertown, NY. It was founded in 1949 and has approximately $7.49 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6112
Date Established 1949
Assets $7.49 million
Loans $1.87 million
Deposits $6.64 million
Capital $0.84 million

Deposit Rates - April 16, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Watertown Postal

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Advertiser Disclosure

Loan Rates - April 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for WATERTOWN POSTAL

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Test Advertiser QA
2.422% 2.375% 0.63 $1,562 $972 Learn More
Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,720 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Watertown Postal branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Watertown Postal Locations

Financial Details

Watertown Postal Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Watertown 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
Watertown Postal U.S. Average
3.13% 5.40

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 December 31, 2020, Watertown Postal had $27,518 in non-current loans and $0 in owned assets. To cover these potential losses it had $841,939 in net worth and $36,228 in loans loss reserves. That gives it a Texas Ratio of 3.13%.

Net Worth
Watertown Postal U.S. Average
11.23% 12.67%

Watertown Postal FCU has a net worth of 11.23% versus the BestCashCow average of 12.67. 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 Watertown Postal

Branches and Savings

What is Watertown Postal?

A federal credit union, registered with the NCUA under certificate #6112.
Learn more about credit unions here.

Is Watertown Postal FDIC insured?

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

Who can join Watertown Postal?

Please see Field of Membership information above for information on who is eligible to join.

What are Watertown Postal's share account and share certificate rates?

Watertown Postal's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Watertown Postal?

Watertown Postal has total capital of $0.84 million. Full information on Watertown Postal's financial position is located above.

Who owns Watertown Postal?

Credit Unions are owned by their members.

Where are Watertown Postal branches located?

See branch locations nearby.

Are Watertown Postal ATMs Open 24/7?

Do Watertown Postal ATMs accept cash deposits?

Can Watertown Postal customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Watertown Postal have a mobile app?

Does Watertown Postal have mobile deposit?

Does Watertown Postal have quick pay?

How can Watertown Postal transfer money to other banks or credit unions?

Does Watertown Postal report to credit bureaus?

Does Watertown Postal use Chexsystems?

Does Watertown Postal use Equifax?

What is Watertown Postal's toll free phone number?

What is Watertown Postal's ACH Routing Number?

What is Watertown Postal's SWIFT code?

Where can I find Watertown Postal's wire transfer form?

What is the Watertown Postal address for deposits?

What Products Does Watertown Postal Offer

Does Watertown Postal offer mortgages?

Compare mortgage rates here.

Does Watertown Postal offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Watertown Postal offer auto and RV loans?

Compare auto loan rates here.

Does Watertown Postal offer student loans or personal loans?

Compare personal loan rates here.

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