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Atlanta Postal Credit Union

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Atlanta Postal Credit Union Rates & Review April 2026

Q: Is a member application needed to join Atlanta Postal Credit Union?

Yes, to access services at Atlanta Postal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Atlanta Postal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 5, 2026

You can compare Atlanta Postal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 0.24%. Savings rates are at 0.15% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to Atlanta Postal Credit Union rates. MonitorBankRates evaluates the financial stability of Atlanta Postal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.86%. Rates were last updated on 04/05/2026.

Atlanta Postal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Atlanta Postal Credit Union? Share your experience about Atlanta Postal Credit Union by leaving a review below, or read customer reviews before you decide to use Atlanta Postal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.86%

Excellent Lower than avg

Atlanta Postal Credit Union
Main Office

400 Porsche Avenue
Atlanta, GA 30354

https://www.apcu.com

Current Rate Availability

We do not have Atlanta Postal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Atlanta Postal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Atlanta Postal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Atlanta Postal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Atlanta Postal Credit Union

Website https://www.apcu.com

Address 400 Porsche Avenue, Atlanta, GA 30354

Phone 404-768-4126

Fax 404-766-8379

President David Disharoon

CEO Blake Graham

Full-Time Employees 313

Part-Time Employees 3

Branch Locations 11

ATM Locations 13

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.86%

Return on Assets (ROA)

-0.1920%

Return on Equity (ROE)

-1.4988%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

2,554,686,222

Total Amount of Shares and Deposits

2,180,610,074

Total Shares and Deposits < 1 Year

1,937,682,375

Total Shares and Deposits 1 3 Years

210,455,404

Total Shares and Deposits > 3 Years

32,472,296

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

506,218,156

Total Uninsured Shares and Deposits > $250K (F+J)

506,218,156

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,674,391,918

Total Interest Expense (Sum of items 6 8)

36,397,296

Share Certificates

25,344

Number of Accounts for Share Drafts

38,238

IRA KEOGH Accounts

8,604

Number of Accounts for Regular Shares

134,338

All other shares

411

Non Member Deposits

Money Market Shares

1,583

Net Income (unless the amount is already included in Undivided Earnings)

-4,905,434

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

106,943,292

Total Liabilities

2,253,360,908

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Atlanta Postal Credit Union

Is Atlanta Postal Credit Union a safe place to deposit money?

Yes, Atlanta Postal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8574671016571%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Atlanta Postal Credit Union operate?

Atlanta Postal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Atlanta Postal Credit Union?

Yes, to access services at Atlanta Postal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Atlanta Postal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Atlanta Postal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Atlanta Postal Credit Union offer online and mobile banking?

Most modern institutions like Atlanta Postal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.apcu.com.