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PostCity Financial Credit Union

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PostCity Financial Credit Union Rates & Review September 2026

Q: How many branches does PostCity Financial Credit Union operate?

PostCity Financial 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.

Q: Is a member application needed to join PostCity Financial Credit Union?

Yes, to access services at PostCity Financial 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: Is there a first-time homebuyer program?

Currently, PostCity Financial 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.

Q: Are credit management and repair services offered?

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

Q: Does PostCity Financial Credit Union offer online and mobile banking?

Most modern institutions like PostCity Financial 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.postcitycu.org.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

PostCity Financial Credit Union's Personal Loan Rates are as low as 5.97%. PostCity Financial Credit Union's Credit Card Rates are at 12.99%. MonitorBankRates evaluates the financial stability of PostCity Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.65%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.65%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

PostCity Financial Credit Union
Main Office

3738 Bayer Ave Unit 102
Long Beach, CA 90808

https://www.postcitycu.org

PostCity Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity New Loan	-	-	4.49%	84 Months
Details Published APR range: 4.49% - 14.79%. Maximum Loan Amount: $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Used Loan	-	-	5.49%	84 Months
Details Published APR range: 5.49% - 15.99%. Maximum Loan Amount: $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Loans	7.05%	-	7.05%	180 months
Details Payment based on lowest rate available of 7.050%. The rate is based on the 20-year Treasury Constant Maturities as of the third Monday of the previous month as listed on the Federal Reserve statistical release plus 1.75% percent. Actual rate based on individual credit performance. Maximum Combined Loan to Value (CLTV) based on credit worthiness. CLTV is based on current appraised value less any encumbrances. Loan approval is not guaranteed. Rates are subject to change without notice. *APR = Annual Percentage Rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Line of Credit	-	-	7.75%	240 Months
Details 80% Appraised Value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Equity Loan	-	-	8.99%	84 Months
Details Published APR range: 8.99% - 15.99%. Maximum Loan Amount: $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Boats, Motorhomes & Van Conversions	-	-	10.99%	120 Months
Details Published APR range: 10.99%-17.99%. Maximum Loan Amount: $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Motorcycles & Personal Watercraft	-	-	10.99%	60 Months
Details Published APR range: 10.99% - 17.99%. Maximum Loan Amount: $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%

PostCity Financial Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Visa Rewards Credit Card	-	12.99%
Details Published APR range: 12.99%-19.99%. Balance Transfer APR: 12.99%-19.99% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%

PostCity Financial Credit Union Personal Loan Rates

Product	APR	Term
NEW! Personal Home Improvement Loan	5.97%	120 Months
Details Published APR range: 5.970% to 11.720%. 80% Appraised Value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Personal Home Improvement Loan	7.05%	180 Months
Details Published APR range: 7.050% to 12.800%. 80% Appraised Value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
Home Equity Motorcycles & Personal Watercraft	10.99%	60 Months
Details Published APR range: 10.99% - 17.99%. Maximum Loan Amount: $75,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%

PostCity Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
PostCity Perks! Blue	0.05%	-	0.05%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
PostCity Perks! Gold	0.10%	-	0.10%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
PostCity Perks! Platinum	0.20%	-	0.20%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%
PostCity Perks! Silver	0.05%	-	0.05%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.65%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

PostCity Financial Credit Union’s Texas Ratio stayed near 0.69% in Q2 2023 to 0.65% in Q1 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$78M	0.65%	5.0	A+
December 31, 2025	$77M	0.65%	5.0	A+
September 30, 2025	$78M	3.20%	5.0	A+
June 30, 2025	$78M	2.67%	5.0	A+
March 31, 2025	$77M	3.00%	5.0	A+
December 31, 2024	$79M	2.67%	5.0	A+
September 30, 2024	$78M	3.29%	5.0	A+
June 30, 2024	$76M	1.52%	5.0	A+
March 31, 2024	$77M	0.99%	5.0	A+
December 31, 2023	$77M	0.73%	5.0	A+
September 30, 2023	$78M	0.54%	5.0	A+
June 30, 2023	$79M	0.69%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PostCity Financial 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 PostCity Financial 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 PostCity Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PostCity Financial Credit Union

Website https://www.postcitycu.org

Address 3738 Bayer Ave Unit 102, Long Beach, CA 90808

Phone 562-498-6057

Fax

President Daniel Mastren

CEO Christine Haley

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 3

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+ (100/100)

Texas Ratio

0.65%

Return on Assets (ROA)

0.0556%

Return on Equity (ROE)

0.4515%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

78,185,272

Total Amount of Shares and Deposits

68,686,217

Total Shares and Deposits < 1 Year

68,252,634

Total Shares and Deposits 1 3 Years

433,583

Total Interest Expense (Sum of items 6 8)

137,425

Share Certificates

205

Number of Accounts for Share Drafts

2,386

IRA KEOGH Accounts

185

Number of Accounts for Regular Shares

4,746

All other shares

347

Money Market Shares

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)

1,722,059

Total Liabilities

68,832,659

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

PostCity Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About PostCity Financial Credit Union

How many branches does PostCity Financial Credit Union operate?

PostCity Financial 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 PostCity Financial Credit Union?

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

Does PostCity Financial Credit Union offer online and mobile banking?

Most modern institutions like PostCity Financial 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.postcitycu.org.