We offer a variety of products and services to help our members with their financial needs. Contact a member service representative to learn more.

Share Savings
Kids Savings
Teen Club Account
Platinum Club Account
Holiday Savings
Vacation Savings
Checking Accounts
Check Cards and ATM Cards
Money Market Fund Account
Share Certificates
IRA's
Auto Loans
First Mortgage Loans
Home Equity Loans
Credit Cards
Other Loans
Services

 

Share Savings
  Let's Share! Just maintain a minimum of $1.00 in a share savings account and you will become part owner in the credit union. Your share account works just like a regular passbook savings account and earns competitive monthly dividends.

*Your savings accounts earn interest on the days that the balance is above $25.00.
 
 
Kids Savings
Kirby Kangaroo
  *Your savings accounts earn interest on the days that the balance is above $25.00.
 
Teen Club Account
 
*Your savings accounts earn interest on the days that the balance is above $25.00.
 
Platinum Club Account


 
Holiday Savings
    This account is similar to our share savings account but is used specifically to help you save money all year long for holiday shopping. Holiday Savings are available the 1st of October just in time for all of the holiday sales and bargains. Start saving for the holidays today with your holiday savings account.
 
  Vacation Savings
    This account is similar to our share savings account but is used specifically to help you save money all year long for your vacation. Vacation Savings are available the 1st of May just in time for your vacation. Start saving today for your vacation with your vacation savings account.
   
 
Checking Accounts
    Choose the checking that's best for you! Postal & Community has two great checking accounts to meet your needs.
    Basic (Cost Free)
   
  No Minimum Balance
  Unlimited Check Writing
  No Monthly Fees
  Overdraft Protection
    Premier (Interest-Earning)
   
  Interest Paid Monthly
  $500 Minimum Balance*
  Unlimited Check Writing
  Overdraft Protection
  Additional benefits of Basic and Premier
    Direct deposit of your paycheck, social security or pension check into your account. Payroll deduction to direct your funds to different savings accounts and loan payments.

Make financial transactions on your account 24 hours a day with your touch-tone phone on our Starline access service

   
    A VISA Check Card can deduct your transactions automatically from your checking account. This will save you time and money without writing a check! Access to thousands of automated teller machines displaying the STAR and CIRRUS logos with your PCCU VISA Check Card as well.
   
  *Your account earns interest only on the days that the balance is above the minimum.
 
 
Money Market Fund Account
   

Our Money Market Fund Account offers a great return on your investment, easy access to your funds (liquidity) and check writing privileges. The more you save, the higher the rate with our flexible tiered accounts. We have great rates on our money market account.

Your funds are federally insured up to $250,000 by the NCUA.

Interest on your investment is paid monthly. By maintaining a minimum balance of $1,000 you will earn interest and can add to your account anytime you wish with a minimum deposit of $25.00.

You may write up to three checks per month without incurring a fee. The minimum withdrawal is $200. Start saving with your PCCU money market account today!

   
 
Share Certificates
    Our Share Certificates are very popular with our members on saving their hard earned money. A Share Certificate locks in a higher interest rate for a fixed period of time. We offer a variety of terms from 3 months to 5 years to meet your needs. Our rates are very competitive. With a minimum deposit of $500, you can start saving today!
   
 
Individual Retirement Accounts (IRA's)
    IRA's are a great way to save for your retirement. We offer Traditional, Roth and Educational IRA's. Start saving today with Postal & Community's two great programs.
    IRA Certificates
    With a minimum deposit of $500, you can earn a higher interest rate for a fixed period of time. We have a variety of terms to pick from to help meet your retirement needs.
    IRA Savings
    This account is similar to our share savings account and helps you save and build up your retirement savings. Start your IRA today!
     
  Your IRA is insured up to $250,000 by the NCUA.
   
 
Auto Loans
   
New and Used Autos
We want to be your FIRST choice in auto loans. Postal & Community offers very competitive loan rates to help you save money, purchase or refinance your automobile.
    The credit union provides financing up to 100% of the NADA loan value. We have a variety of terms and rates to meet your needs! To use our secure online loan application, please click here: Online Loan Application.
   
 
First Mortgage Loans
   

We offer a variety of mortgages including fixed and adjustable rate, conventional, VA and FHA. We offer a variety of terms and our rates are among the most competitive in the market.

Call our special member toll free phone number at 1.866.533.4188. Finance the purchase of a new home or refinance your current loan with us!

   
 
Home Equity Loans
   
Postal & Community offers a great home equity loan where you only pay the PRIME RATE! You can borrow up to 80% of the appraised value of your home less your current mortgage debt. This loan is a revolving line of credit secured by a mortgage on your home.
   

Your home equity loan can be used for debt consolidation, education, home improvements or any plans for the future. You may be able to deduct the interest from your taxes. Consult your tax advisor. We offer a great rate which is the PRIME RATE! Call today!

   
 
Credit Cards
    We offer VISA credit cards! Choose a worldwide accepted name like VISA and a credit union you can trust like Postal & Community for your credit card! Our card offers:
   
  No Annual Fee
  Rates as low as 7.90%
  25 Day Grace Period
    A new PCCU credit card can make purchases easy, fast and convenient!
     
 
VISA
Credit Card Disclosure
Annual Percentage Rate (APR) for
Purchases, Cash Advances and Balance Transfers
As low as 7.90%


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers: 7.90% to 15.90% when you open your account, based on your credit worthiness.

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Transaction Fees - Foreign Transaction Fee: None
Penalty Fees - Late Payment Fee: Up to $15.00

How We Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Effective Date: The information about the costs of the card described in this application is accurate as of July 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

   
 
Other Loans
  Signature
  Your signature is the only collateral for this loan! This loan is unsecured and can be used for many different purposes. Members will receive a fixed loan amount, rate and term.
  Unsecured Line of Credit
  This type of loan can be used for many different purposes. This loan gives you the ability to draw from your line of credit and make advances when you need to. Click here for current rates.
Other loans include:
Share Secured
Motorcycles
Recreational Vehicles
 
All loan rates are subject to change without notice. You must be eligible for membership to borrow from Postal & Community Credit Union. Visit our Membership page to see if you qualify or apply online using our online Membership Application.
   
 
Services
  Postal & Community provides the following services to help you with your financial needs.
    Internet Member Access
    Member BillPay
    Overdraft Privilege
    E-Statements
    VISA Check Cards
Retirement Planning
  Safe Deposit Boxes
  Direct Deposit
  Payroll Deduction
  Notary Services
  Movie Passes
  Silver Dollar City Passes
  Worlds of Fun Passes
  Savings Bonds
     
 
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.