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Pacific Postal Credit Union

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Pacific Postal Credit Union Rates & Review May 2026

Q: Is a member application needed to join Pacific Postal Credit Union?

Yes, to access services at Pacific Postal 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pacific Postal 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: May 12, 2026

You can compare Pacific Postal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 3.50% and 3-month share certificate rates at 0.50%. Savings rates are at 0.25% and money market rates are at 1.81%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates can be compared to Pacific Postal Credit Union rates. MonitorBankRates evaluates the financial stability of Pacific Postal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.68%. Rates were last updated on 05/12/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.68%

Excellent Lower than avg

Pacific Postal Credit Union
Main Office

1040 Leigh Ave
San Jose, CA 95126

https://www.ppcu.org

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name Pacific Postal Credit Union

Website https://www.ppcu.org

Address 1040 Leigh Ave, San Jose, CA 95126

Phone 408-275-8595

Fax 408-275-6870

President Carol Croteau

CEO Fardad Khosravi

Full-Time Employees 34

Part-Time Employees 1

Branch Locations 4

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+ (99/100)

Texas Ratio

2.68%

Return on Assets (ROA)

0.5523%

Return on Equity (ROE)

3.1113%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

238,745,250

Total Amount of Shares and Deposits

199,956,136

Total Shares and Deposits < 1 Year

193,330,182

Total Shares and Deposits 1 3 Years

6,625,953

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

9,580,084

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

9,580,084

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

190,376,052

Total Interest Expense (Sum of items 6 8)

1,932,588

Share Certificates

1,018

Number of Accounts for Share Drafts

5,636

IRA KEOGH Accounts

633

Number of Accounts for Regular Shares

14,736

All other shares

406

Net Income (unless the amount is already included in Undivided Earnings)

1,318,667

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,088,399

Total Liabilities

200,767,568

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Pacific Postal 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 Pacific Postal Credit Union

How many branches does Pacific Postal Credit Union operate?

Pacific Postal 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 Pacific Postal Credit Union?

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

Does Pacific Postal Credit Union offer online and mobile banking?

Most modern institutions like Pacific Postal 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.ppcu.org.