Carolina Postal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

3601 Mulberry Church Rd, Charlotte, NC 28208

Website

(704) 392-3418

Data Source: NCUA, December 31, 2016


Carolina Postal Credit Union was founded in 1934. Headquartered in Charlotte, North Carolina, Carolina Postal Credit Union is a state chartered and federally insured credit union, being chartered in North Carolina and insured through the National Credit Union Share Insurance Fund (NCUSIF). Carolina Postal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Carolina Postal Credit Union services 13,703 members through its 7 offices and branches and 43 full-time employees. It has $114,767,268 of total assets and $13,444,227 of net worth. Based on its asset size and net worth ratio, Carolina Postal Credit Union is classified as a Well Capitalized medium large credit union.

Carolina Postal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Carolina Postal Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Carolina Postal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in North Carolina and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of North Carolina
Median of USA
Checking
0.0500
0.0500
0.0000
Savings
0.1500
0.1650
0.1200
Money Market
0.3500
0.3500
0.2500
Certificate Deplit
0.4000
0.6050
0.5800
IRA
0.6000
0.7500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of North Carolina
National Median Rates
Credit Cards
9.9000
9.9700
9.9900
Unsecured Line of Credits
13.0000
12.0300
10.9500
Short-term Small Amount
n/a
18.0000
25.0000
Student Loans
n/a
6.7500
6.0200
New Car Loans
4.9000
3.7500
3.3300
Used Car Loans
4.9000
4.7500
4.5000
1st Mortgage Real Estates
5.0000
4.2500
4.2500
Other Real Estates
6.0000
4.7500
4.7000

Carolina Postal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Carolina Postal Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Carolina Postal Credit Union actively involves in local communities by prliding services such as financial education, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Carolina Postal Credit Union
4817 W Market St
Greensboro, NC 27407-1403
Phone:336-292-8340

Carolina Postal Credit Union
635 Coliseum Dr
Winston Salem, NC 27106
Phone:336-723-1024

Carolina Postal Credit Union
315 E Green Dr
High Point, NC 27260
Phone:336-882-3926

Carolina Postal Credit Union
1022 11th Avenue Blvd Se
Hickory, NC 28602
Phone:828-328-4529

Carolina Postal Credit Union
Main Office

3601 Mulberry Church Rd
Charlotte, NC 28208
Phone:704-392-3418

Concord
275 Branchview Dr Se
Concord, NC 28025
Phone:704-795-0088

Kannapolis
169 Dale Earnhardt Blvd
Kannapolis, NC 28081
Phone:704-934-2300

(704) 409-2220

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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