What are the current interest rates at Northeast Alabama Postal FCU?

Current rates for Northeast Alabama Postal FCU include: 12-Month CD: 4.00%, 24-Month CD: 3.90%, 60-Month CD: 3.50%

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Northeast Alabama Postal FCU

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Northeast Alabama Postal FCU Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Northeast 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.

Verified Healthy Q2 2026 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

4.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Northeast Alabama Postal FCU
Northeast Alabama POstal FCU

200 S Quintard Ave
Anniston, AL 36201

https://www.neapfcu.com

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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

Product	Rate	APY	Term
90 Days Special CD	-	4.15%	90 Days
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
6 Month IRA Certificate	-	4.10%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
12 Month IRA Certificate	-	4.05%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
1 Year CD	-	4.00%	1 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
2 Years CD	-	3.90%	2 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
24 Month IRA Certificate	-	3.90%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
36 Month IRA Certificate	-	3.85%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
48 Month IRA Certificate	-	3.80%	48 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
3 Years CD	-	3.75%	3 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
60 Month IRA Certificate	-	3.75%	60 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
4 Years CD	-	3.60%	4 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
5 Years CD	-	3.50%	5 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%

Northeast Alabama Postal FCU Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto	-	-	3.69%	up to 12 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	3.79%	up to 12 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	4.09%	up to 24 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Auto	-	-	4.15%	up to 24 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	4.39%	up to 36 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	4.69%	up to 48 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Auto	-	-	4.69%	up to 36 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	4.99%	up to 60 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Auto	-	-	5.19%	up to 48 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	5.29%	up to 72 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Auto	-	-	5.59%	up to 84 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Auto	-	-	5.69%	up to 60 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Auto	-	-	6.19%	up to 72 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Auto	-	-	6.69%	up to 84 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%

Northeast Alabama Postal FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Loan	-	4.94%	up to 12 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	5.19%	up to 12 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Recreational Loan	-	5.69%	up to 24 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	6.09%	up to 24 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Recreational Loan	-	6.44%	up to 36 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.44% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	6.99%	up to 36 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Recreational Loan	-	7.19%	up to 48 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	7.89%	up to 48 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Recreational Loan	-	7.94%	up to 60 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Recreational Loan	-	8.69%	up to 72 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	8.79%	up to 60 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.79% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
New Recreational Loan	-	9.44%	up to 84 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.44% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	9.69%	up to 72 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%
Used Recreational Loan	-	10.59%	up to 84 months
Details As low as; Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%

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

Northeast 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)

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
June 30, 2026	$16M	4.28%	5.0	A+
March 31, 2026	$14M	2.93%	5.0	A+
December 31, 2025	$13M	4.59%	5.0	A+
September 30, 2025	$13M	5.65%	5.0	A+
June 30, 2025	$14M	6.41%	5.0	A
March 31, 2025	$14M	6.50%	5.0	A
December 31, 2024	$14M	5.32%	5.0	A+
September 30, 2024	$15M	3.70%	5.0	A+
June 30, 2024	$15M	2.20%	5.0	A+
March 31, 2024	$15M	4.49%	5.0	A+
December 31, 2023	$15M	6.26%	5.0	A
September 30, 2023	$15M	2.32%	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 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

Financials

MonitorBankRates 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

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

Q2 2026 MBR Health & Safety Badge

Northeast Alabama Postal FCU earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Northeast Alabama Postal FCU

How 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.