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 Northeast Alabama Postal FCU Rates & Review September 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 and Verified: September 21, 2026
Northeast Alabama Postal FCU's 90 Day CD Special rates are at 4.15%, 6 Month IRA CD rates are at 4.10%, 12 Month IRA CD rates are at 4.05%, 1 Year CD rates are at 4.00%, 2 Year CD rates are at 3.90%. Northeast Alabama Postal FCU's Auto Loan Rates are as low as 3.79%. 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 2.93%. Rates last updated and verified on 09/21/2026. 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 
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 0.52% in Q2 2023 to 2.93% 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; 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+ (99/100)
Texas Ratio
2.93%
Return on Assets (ROA)
0.1621%
Return on Equity (ROE)
1.0273%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
13,931,966
Total Amount of Shares and Deposits
11,652,901
Total Shares and Deposits < 1 Year
5,927,751
Total Shares and Deposits 1 3 Years
5,185,765
Total Shares and Deposits > 3 Years
539,384
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,652,901
Total Interest Expense (Sum of items 6 8)
73,280
Share Certificates
227
IRA KEOGH Accounts
12
Number of Accounts for Regular Shares
1,296
Net Income (unless the amount is already included in Undivided Earnings)
22,584
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)
4,025,962
Total Liabilities
11,733,564
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Northeast Alabama Postal FCU
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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