Postal & Community
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1922
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Saint Joseph, MO may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1922
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Saint Joseph and serves members in the MO area. Currently serving 11,086 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
8.75%Used Auto Loan
9.75%Personal Loan
11.25%Credit Card APR
11.75%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in MO
Lowest rates currently reported by credit unions in MO (NCUA Q4 2025).
Saint Louis, MO
Saint Louis, MO
Oakville, MO
Jefferson City, MO
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(2 total)
Member Reviews
3.4
48 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Stephen Cotter
8 months ago
PCCU has always had exceptional loan rates, but their current mortgage rates are 0.75% lower than any other institution in town. Leslie had my relatively complicated mortgage loan done, from start to finish, in under three weeks. Great service and communication!
Roger Moore
3 months ago
Great experience with the Credit Union. I would highly recommend. Jennifer helped us with refinancing our auto loan was friendly patient and informative.
Denise Barr
7 months ago
My low rating is because the website is down way too often. I check my account almost daily and it is down way too much for a financial institution. Please address the issue. Here we are again website is down. Please get this fixed. Whoever is handling your website is awful!!!
Lori May
6 months ago
The online system is always down okay got it but the rudeness on the phone is a whole different thing. Yesterday I called and their system was down until 6:00pm from what I was told then today it’s the online system that is down. Both times I was treaded rudely on the phone. It’s sad to see a local business going down hill like this.
Days “AKA G MONEY” End
a year ago
I've been banking with postal credit union for years. Everyone working there is very professional. I'm always treated very kindly when walking in and I don't think I've ever had a time that they weren't able to remedy my situation. I've had nothing but positive experiences including getting loans etc. A great Bank I wouldn't go anywhere else. ❤️❤️❤️✌️ My one tiny complaint, which isn't a big deal is the lack of tap cards. Other than that it's been a flawless ride.
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(816) 279-5656Website
Visit WebsiteMembers
11,086
Total Assets
$91.3M
Year Opened
1922
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile