Credit union · NCUA insured
Postal & Community Credit Union Savings Rates
Top CarrotPostal & Community Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Postal & Community Credit Union’s savings rates compare
Compared with banks and credit unions near St. Joseph, MO-KS, where Postal & Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Postal & Community Credit Union
2.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $200
Money Market Accounts
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
North American Savings Bank
3.60%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $360
Postal & Community Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Postal & Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
2.00%APY
Rates effective October 13 to October 26, 2026. Nominal Interest Rate (NIR) and APY tiered by minimum balance. Maintaining a minimum balance of $1,000 earns interest; minimum deposit of $25.00; minimum withdrawal is $200; interest paid monthly. Up to three checks per month and six cash withdrawals per month without incurring a fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 2.00% | $200 |
| $25,000 – $50,000 | 2.50% | — |
| $50,000 – $100,000 | 2.75% | — |
| $100,000 and up | 3.00% | — |
Share Savings
0.15%APY
Must maintain a minimum balance of $1.00. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
Special-purpose accounts
Holiday Savings
0.15%APY
Used specifically to save money all year long for holiday shopping; funds are available on the 1st of October. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
IRA Savings
0.15%APY
Offers Traditional, Roth, and Educational IRAs. Insured up to $250,000 by NCUA. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
Kids Savings
0.15%APY
For children up to and including the age of 12 years old. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
Platinum Club Account
0.15%APY
Open to members who are 62 years of age or older. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
Teen Club Account
0.15%APY
For young people from the ages of 13 through 17 years old. Access to checking, debit cards, and ATM service available at age 16. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
Vacation Savings
0.15%APY
Used specifically to save money all year long for vacation; funds are available on the 1st of May. Account earns interest on days the balance is above $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on days the balance is above $25.00.$25 and up | 0.15% | $15 | Earns interest on days the balance is above $25.00. |
Who can join Postal & Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.