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Postal and Community Credit Union

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Postal and Community Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Postal and Community 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: July 15, 2026

You can compare Postal and Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.00%, 6-month share certificate rates at 2.53% and 3-month share certificate rates at 0.40%. Savings rates are at 0.60% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.67%. All these rates can be compared to Postal and Community Credit Union rates. MonitorBankRates evaluates the financial stability of Postal and Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.71%. Rates were last updated on 07/15/2026.

Postal and Community 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 Postal and Community Credit Union? Share your experience about Postal and Community Credit Union by leaving a review below, or read customer reviews before you decide to use Postal and Community Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.71%

Excellent Lower than avg

Postal and Community Credit Union
Postal and Community Credit Union

3921 Oakland Ave
Saint Joseph, MO 64506

https://www.yourpccu.org

Current Rate Availability

We do not have Postal and Community 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 Postal and Community 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 Postal and Community 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 Postal and Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Postal and Community Credit Union

Website https://www.yourpccu.org

Address 3921 Oakland Ave, Saint Joseph, MO 64506

Phone 816-279-5656

Fax 816-279-5660

President Joe Mistek

CEO Tina Ryan

Full-Time Employees 13

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

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

3.71%

Return on Assets (ROA)

0.9147%

Return on Equity (ROE)

9.3627%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

87,208,526

Total Amount of Shares and Deposits

78,574,312

Total Shares and Deposits < 1 Year

77,730,678

Total Shares and Deposits 1 3 Years

804,254

Total Shares and Deposits > 3 Years

39,379

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

5,006,829

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

5,006,829

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

73,567,483

Total Interest Expense (Sum of items 6 8)

1,000,500

Share Certificates

996

Number of Accounts for Share Drafts

3,628

IRA KEOGH Accounts

174

Number of Accounts for Regular Shares

11,711

Money Market Shares

112

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,407,186

Total Liabilities

78,708,857

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Postal and Community Credit Union earned the Verified Strong badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Postal and Community Credit Union

How many branches does Postal and Community Credit Union operate?

Postal and Community 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 Postal and Community Credit Union?

Yes, to access services at Postal and Community 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, Postal and Community 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, Postal and Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Postal and Community Credit Union offer online and mobile banking?

Most modern institutions like Postal and Community 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.yourpccu.org.