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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.
 Postal and Community Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Postal and Community Credit Union's 7 Month CDs rates are at 4.00%, 11 Month CDs rates are at 3.75%, 3 Month CDs rates are at 3.00%. Postal and Community Credit Union's savings rates are at 0.15%. Postal and Community Credit Union's money market rates are at 2.00%. 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 3.88%. Rates were last updated on 04/19/2026. 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. Postal and Community Credit Union
Postal and Community Credit Union 3921 Oakland Ave
https://www.yourpccu.org Saint Joseph, MO 64506 
Postal and Community Credit Union CD Rates
Postal and Community Credit Union Savings Rates
Postal and Community Credit Union Money Market Rates
Postal and Community Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.88%
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
Frequently Asked Questions About Postal and Community Credit UnionIs Postal and Community Credit Union a safe place to deposit money?Yes, Postal and Community Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8781198548187%, 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 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. Current Postal and Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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