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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Northeast Alabama Postal FCU Rates & Review October 2026Northeast Alabama Postal FCU's top rates as of October 9, 2026 are 4.15% APY on its 90 Days Special CD, and auto loans from 3.69% APR, according to rates verified by MonitorBankRates. Other Northeast Alabama Postal FCU CD rates include 6 Month IRA CD at 4.10%, 12 Month IRA CD at 4.05%, and 1 Year CD at 4.00%. MonitorBankRates evaluates the financial stability of Northeast Alabama Postal FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.28%. Rates last updated and verified on 10/09/2026. Northeast Alabama Postal FCU 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 Northeast Alabama Postal FCU? Share your experience about Northeast Alabama Postal FCU by leaving a review below, or read customer reviews before you decide to use Northeast Alabama Postal FCU. Northeast Alabama Postal FCU
Northeast Alabama POstal FCU 200 S Quintard Ave
https://www.neapfcu.com Anniston, AL 36201 Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Northeast Alabama Postal FCU CD Rates
Northeast Alabama Postal FCU Auto Loan Rates
Northeast Alabama Postal FCU RV, Boat and Powersport Loan Rates
Financial Health HistoryNortheast Alabama Postal FCU’s Texas Ratio rose from 2.32% in Q3 2023 to 4.28% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Northeast Alabama Postal FCU 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 Northeast Alabama Postal FCU 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 Northeast Alabama Postal FCU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Northeast Alabama Postal FCU
Website
https://www.neapfcu.com
Address
200 S Quintard Ave,
Anniston, AL 36201
Phone
256-237-4259
Fax
256-237-5813
President
Steve Madeley
CEO
Steven Matson
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.28%
Return on Assets (ROA)
0.1848%
Return on Equity (ROE)
1.3084%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
15,612,481
Total Amount of Shares and Deposits
13,368,003
Total Shares and Deposits < 1 Year
9,246,289
Total Shares and Deposits 1 3 Years
3,017,057
Total Shares and Deposits > 3 Years
1,104,656
Total Insured Shares and Deposits > $250K (item 17 less item K)
13,368,003
Total Interest Expense (Sum of items 6 8)
163,596
Share Certificates
259
IRA KEOGH Accounts
20
Number of Accounts for Regular Shares
1,278
Net Income (unless the amount is already included in Undivided Earnings)
28,846
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,059,399
Total Liabilities
13,407,817
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Northeast Alabama Postal FCUHow many branches does Northeast Alabama Postal FCU operate?Northeast Alabama Postal FCU 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 Northeast Alabama Postal FCU?Yes, to access services at Northeast Alabama Postal FCU, 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, Northeast Alabama Postal FCU 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, Northeast Alabama Postal FCU provides members with tools to manage their accounts and build a solid financial history. Does Northeast Alabama Postal FCU offer online and mobile banking?Most modern institutions like Northeast Alabama Postal FCU 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.neapfcu.com. Current Northeast Alabama Postal FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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