Credit union · NCUA insured
Monmouth County Postal Employees Credit Union
A $21.8M credit union headquartered in Red Bank, NJ, with 1,002 members and 1 branch in New Jersey. Best rates: savings 0.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings660.15%at $10,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Monmouth County Postal Employees Credit Union
Monmouth County Postal Employees Credit Union is a member-owned, not-for-profit financial institution founded in 1928.
The credit union was established to serve Monmouth County postal employees and their families.
- Headquarters
- 171 Broad St, Red Bank, NJ 07701-2057
- NCUA charter
- 61872
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- All postal employees of Monmouth County are eligible to join.
Family and household
- Immediate family members—including spouses, children, parents, grandparents, grandchildren, brothers, sisters, and their families—are eligible to join.
Cost to join
- Opening an account by mail requires an initial deposit of at least $5.00, with a required $100.00 ongoing share account balance.
Branches
1 branch in New Jersey
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New Jersey
1 branch
- McpecuMain office171 Broad St, Red Bank, NJ 07701Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.59% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $14 | $59 | — |
- CapitalNet worth ratio20.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.59%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$14Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Monmouth County Postal Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.