Postal & Community Credit Union

  • +1

A short history of Postal & Community CU

Since its inception in 1922 the Postal & Community Credit Union has been serving its members in the Saint Joseph, Missouri area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James Spafford, the Postal & Community CU has grown its membership to over 9,843 with assets of more than $47,247,049. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (816) 279-5656 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Saint Joseph, MO.

General Information For Postal & Community CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 64145
Address 3921 Oakland Ave 
City Saint Joseph 
State Missouri 
Zip-Code 64506
Phone Number (816) 279-5656
Fax Number (816) 279-5660
Email Address:
CEO/President James Spafford
Members 9,843 
Full-Time Employees 10 
Part-Time Employees
Number of Branch Offices
Total Assets 47,247,049 

Compare Postal & Community Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
District One Highway CU District One Highway Credit Union 3011 N Belt Hwy Ste B 64506 (816) 387-2423 No 0.47
St. Joseph Teachers' CU SAINT JOSEPH TEACHERS' CREDIT UNION 2316 VILLAGE DR 64506 (816) 233-5544 No 0.51
Goetz CU Goetz credit union 1905 Howard St 64501 (816) 232-8754 No 2.21
Lovers Lane CU Lovers Lane Credit Union 1502 S Belt Hwy Ste A 64507 (816) 364-4000 No 2.86
Stationery CU Stationery Credit Union 1402 S 10th St 64503 (816) 279-7804 No 3.64

Postal & Community Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Postal & Community Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.90 4.50 5.50 4.13 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 85 341 384 160 132
Rank Among All Missouri Credit Unions 3 58 54 24 13

Postal & Community Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.28 0.55 0.55
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 101 251 219
Rank Among All Missouri Credit Unions N/A 18 12 32 19
Postal & Community Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.900339299,947
All Other Unsecured Loans/Lines of Credit 8.5004871,051,050
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.50055111,696,034
Used Vehicle Loans 5.5009228,597,511
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.130161,239,141
Total Other Real Estate Loans/Lines of Credit 4.2501273,527,037
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.5002923,652,876
TOTAL LOANS & LEASES 2,73430,063,596

Postal & Community Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7706,36700
    b. 15 Years or less 9532,77400
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 319,76600
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1243,507,2719335,400
Open-End Fixed Rate 0000
TOTALS 1434,766,1789335,400


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Postal & Community Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes