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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 October 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.
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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: October 9, 2026
Postal and Community Credit Union's top rates as of October 9, 2026 are 4.75% APY on its CD - 9 Month, 0.15% APY on savings, 3.00% APY on money market accounts, 5.50% on its First Mortgage - 10 Year Fixed Rate - Conventional, personal loans from 9.75% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. Other Postal and Community Credit Union CD rates include CD - 11 Month at 4.50%, CD - 7 Month at 4.25%, and CD - 1 Year at 3.75%. Other Postal and Community Credit Union mortgage rates include First Mortgage - 15 Year Fixed Rate - Conventional at 5.75%, First Mortgage - 20 Year Fixed Rate - Conventional at 6.00%, and First Mortgage - 30 Year Fixed Rate - Conventional at 6.25%. 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 2.93%. Rates last updated and verified on 10/09/2026. 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 & Community Credit Union 3921 Oakland Ave
https://www.yourpccu.org Saint Joseph, MO 64506  Customer Reviews
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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. 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 Mortgage Rates
Postal and Community Credit Union Auto Loan Rates
Postal and Community Credit Union RV, Boat and Powersport Loan Rates
Postal and Community Credit Union Credit Card Rates
Postal and Community Credit Union Personal Loan Rates
Postal and Community Credit Union Other Rates
Financial Health HistoryPostal and Community Credit Union’s Texas Ratio stayed near 3.29% in Q3 2023 to 2.93% 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 — 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
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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 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+ (99/100)
Texas Ratio
2.93%
Return on Assets (ROA)
0.5274%
Return on Equity (ROE)
5.3514%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
94,657,379
Total Amount of Shares and Deposits
85,355,665
Total Shares and Deposits < 1 Year
84,160,185
Total Shares and Deposits 1 3 Years
1,171,322
Total Shares and Deposits > 3 Years
24,158
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,773,344
Total Uninsured Shares and Deposits > $250K (F+J)
6,773,344
Total Insured Shares and Deposits > $250K (item 17 less item K)
78,582,321
Total Interest Expense (Sum of items 6 8)
763,922
Share Certificates
1,094
Number of Accounts for Share Drafts
3,612
IRA KEOGH Accounts
177
Number of Accounts for Regular Shares
11,763
Money Market Shares
115
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)
1,284,594
Total Liabilities
85,328,622
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Postal and Community Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Postal and Community Credit Union
Frequently Asked Questions About Postal and Community Credit UnionHow 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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