Effective as of 3/31/2025. Dividend Declaration Date 3/31/2025.
| PostCity Perks! Tier | Minimum Balance | Prospective Dividend Rate | APY1 |
|---|---|---|---|
|
Platinum |
$25 |
0.20% |
0.20% |
|
Gold |
$25 |
0.10% |
0.10% |
|
Silver |
$25 |
0.05% |
0.05% |
|
Blue |
$5 |
0.05% |
0.05% |
PostCity Financial is open to any current or retired U.S. Postal Service employee living or working in California.
| Tier | Prospective Dividend Rate | APY1 |
|---|---|---|
|
$0–$14,999.99 |
0.05% |
0.05% |
|
$15,000–$24,999.99 |
0.60% |
0.60% |
|
$25,000–$99,999.99 |
1.20% |
1.21% |
|
$100,000 & Up |
1.45% |
1.45% |
| Minimum Balance | Prospective Dividend Rate | APY1 |
|---|---|---|
|
$100 |
1.90% |
1.91% |
| Term | Minimum Balance | Prospective Dividend Rate | APY1 |
|---|---|---|---|
|
3 Months |
$2,000 |
0.15% |
0.15% |
|
6 Months |
$2,000 |
1.50% |
1.51% |
|
9 Months |
$2,000 |
3.00% |
3.03% |
|
12 Months |
$2,000 |
2.00% |
2.02% |
|
15 Months |
$2,000 |
0.35% |
0.35% |
|
18 Months |
$2,000 |
0.40% |
0.40% |
|
36 Months |
$2,000 |
0.45% |
0.45% |
| Term | Minimum Balance | Prospective Dividend Rate | APY1 |
|---|---|---|---|
|
9 Months |
$50,000 |
3.50% |
3.56% |
|
9 Months |
$100,000 |
4.00% |
4.08% |
Effective as of 4/1/2025.
| Loan Type | Term Maximum | Amount Maximum | APR5 |
|---|---|---|---|
|
New & Used |
84 Months |
$75,000 |
5.49%–14.49% |
|
Auto Equity7 |
84 Months |
$75,000 |
8.99%–15.99% |
|
Motorcycles & Personal Watercraft8 |
60 Months |
$75,000 |
10.99%–17.99% |
|
Boats, Motorhomes & Van Conversions9 |
120 Months |
$75,000 |
10.99%–17.99% |
| Card Type | Annual Fee | Balance Transfer APR5 | APR5 |
|---|---|---|---|
|
Platinum Visa® Rewards Credit Card |
$0 |
12.99%–19.99% |
12.99%–19.99% |
|
Share Secured Platinum Visa® Credit Card |
$0 |
13.99% |
13.99% |
| Loan Type | Term Maximum | Amount Maximum | APR5 |
|---|---|---|---|
|
Unsecured12 |
48 Months |
$10,000 |
13.99%–20.99% |
|
Line of Credit13 |
48 Months |
$10,000 |
13.99%–20.99% |
|
Certificate Secured14 |
Certificate Maturity Date |
90% of Certificate Balance |
Certificate Rate + 2.00% |
|
Share Secured Variable14 |
120 Months |
100% of Share Balance |
Highest Share Rate + 2.00%15 |
|
Just Ask Signature Loan |
18 Months |
$3,000 |
$10,000 |
| Loan Type | Term Maximum | Amount Maximum | APR5 |
|---|---|---|---|
|
Home Equity Line of Credit16 |
240 Months |
80% Appraised Value |
8.750% |
|
Personal Home Improvement Loan17 |
180 Months |
80% Appraised Value |
6.430%–12.180% |
| Fee Description | Fee Amount |
|---|---|
|
ATM, Debit, or Visa Card Replacement |
Contact PostCity per Card |
|
1st Card within 12 Months
|
2nd Card within 12 Months |
3rd Card within 12 Months |
$5 per Card |
$10 per Card |
$25 per Card |
|
ATM Empty Envelope Deposits |
$20.00 |
|
ATM Adjustment Fee |
$15.00 |
|
Non-CO-OP ATM Withdrawal18 (ATM May Impose Additional Fees) |
$1.50 |
|
Non-CO-OP ATM Transaction (Inquiries/Transfers) |
$0.35 |
|
Foreign Currency Exchange Fees
on ATM, Debit, or Visa Card transactions
|
1% of Transaction Amount in US Dollars |
| Fee Description | Fee Amount |
|---|---|
|
Checking Account Monthly Fee18 (Waived with $500 Direct Deposits Monthly) |
$5.00 |
|
Non-Sufficient Funds Fee |
$17.00 per Check/BillPay/Debit/ACH |
|
Stop Payment—Personal Check |
$20.00 per Check |
|
Stop Payment—Preauthorized ACH/Debit18 |
$20.00 per ACH/Debit |
|
Overdraft Privilege Fee20 (paid NSF) |
$17.00 |
|
Telephone Transfers (Four [4] Free per Month) |
$3.00 |
|
Share/Credit Union Check Withdrawals (Four [4] Free per Month) |
$2.00
|
|
Non-Member Check Cashing Fee |
$5.00 per Check
|
| Fee Description | Fee Amount |
|---|---|
|
Dormant Account Fee (After 12 Consecutive Months of No Transactions) |
$1.00 per Month |
|
IRA Annual Maintenance18 |
$10.00 |
|
IRA Direct Transfer—Outgoing |
$10.00 |
|
Outgoing Wire Transfer—Domestic18 |
$20.00 |
|
Outgoing Wire Transfer—International18 |
$40.00 |
| Fee Description | Fee Amount |
|---|---|
|
Statement Copy18 |
$5.00 |
|
Copy of Paid Check18 (Two [2] Free Copies per Statement Cycle) |
$2.00 per Copy |
|
Mortgage Loan Demand for Payoff |
$15.00 |
|
Research/Account Reconciliation |
$15.00 per Hour |
|
Levy |
$20.00 |
|
Locator Fee |
$15.00 |
|
Deposit Verification Fee |
$5.00 |
|
Notary Service18 (Non-CU Documents) |
$5.00 |
Please Note: All fees will be assessed at the time of service or deducted from your account. If the balance is nonsufficient, you will be notified to pay the required fee. PostCity Financial Credit Union may charge any of your accounts for any fee due.
Not all fees apply to all types of accounts.
We reserve the right to change this Fee Schedule at any time. We will notify you as required by law of any changes in charges that may be imposed on an account. This fee schedule supersedes all previous fee schedules or brochures. Effective April 1, 2025.
1 APY=Annual Percentage Yield. You must qualify for PostCity Financial Credit Union membership to open deposit accounts.
2 Youth Certificates (under age 24) only require a $100 minimum balance. Additional deposits may be made any time during the term of the certificate. Penalty for early withdrawal on all certificates. These rates are applicable to specified accounts. All rates and terms are subject to change without notice. Account fees could reduce earnings. Please contact PostCity for more information or refer to the PostCity Financial Truth in Savings disclosure for complete terms and conditions.
3 At maturity, IRA certificates will automatically be deposited into the member’s IRA share savings account. In the event of early withdrawal, the member shall forfeit an amount equal to all dividends for 180 days on the amount withdrawn, which may include principal. IRS penalties may apply for premature withdrawals or other account requirements. Please consult your tax professional for more information. Account fees could reduce earnings. Please refer to the PostCity Financial Truth in Savings disclosure for complete terms and conditions.
4 Terms and availability are subject to change without notice. Jumbo Certificate rates will vary with balance depending on minimum requirements. Additional deposits may be made any time during the term of the certificate. Penalty for early withdrawal on all certificates. In the event of early withdrawal, the member shall forfeit an amount equal to all dividends for 90 days on the amount withdrawn, which may include principal. Account fees could reduce earnings. These rates are applicable to specified accounts. Rates, terms and availability are subject to change without notice. Please contact PostCity for more information or refer to the PostCity Financial Truth in Savings disclosure for complete terms and conditions.
5 APR=Annual Percentage Rate. You must qualify for PostCity Financial Credit Union membership to be eligible to borrow. Loans subject to underwriting and approval. All rates subject to change without notice.
6 Lowest advertised auto rates above are based on your PostCity Perks Relationship tier and reflect our highest discount available. Rates, terms & conditions are subject to change. Please contact PostCity or refer to PostCity Perks disclosures for complete terms and conditions.
7 Maximum loan value for used vehicles is based on retail Kelly/NADA or similar industry standard guide Blue Book up to 110% maximum financing for models 5 years or newer. Maximum loan value for used vehicles, model years over 5 years, finance up to 110% of wholesale Kelly/NADA or similar industry standard guide Blue Book. Payment example: $20.76 per month per $1,000.00 at 8.99% APR* for 60 months, based on the lowest rate available.
8 Payment example: $21.75 per month per $1,000.00 at 10.99% APR for 60 months, based on lowest rate available. Finance up to 80% of wholesale Kelly/NADA or similar industry standard guide Blue Book.
9 For new, maximum financing is 80% of purchase price including tax and license. For used, maximum financing is 80% of wholesale NADA Book value and the model must be 10 years or newer. Payment example: $13.78 per month per $1,000.00 at 10.99% APR for 120 months, based on lowest rate available.
10 Rates shown are lowest available and are based on applicant credit history. Your rate may be higher. All rates subject to change without notice. Platinum Visa payment example: $30.00 per month per $1,000.00 at 12.99% APR based on minimum payment of 3% of the balance. Share-secured Platinum Visa payment example: $30.00 per month per $1,000.00 at 13.99% APR based on minimum payment of 3% of the balance.
12 Payment example: $27.33 per month per $1,000.00 at 13.99% APR for 48 months, based on lowest rate available.
13 Payment example: $27.33 per month per $1,000.00 at 13.99% APR for 48 months, based on lowest rate available.
14 Requires a $500 minimum balance in the account being held as collateral. Minimum monthly payment for all personal loan products is $50.
15 This rate is subject to change based on the declared share dividend rate at the end of each quarter.
16 Payment example: 240 monthly payments of $8.84 per $1,000.00 borrowed. Application fee of $150 refunded with $25,000.00 or more advanced at time of funding. APR is subject to change semi-annually on April 1 and October 1 and will correspond to changes in the Index. The Index is the Prime Rate as published in the Money Rates table of the Wall Street Journal, when a range of rates are published; the highest rate will be selected, rounded to the nearest one-quarter percent (0.25%). The new percentage rate and daily periodic rate will be determined by the Index for the month of March for the April 1change date and the month of September for the October 1 change date with a margin of plus 1% percentage points up to a maximum of 18%. Maximum 20-year repayment term, including 5-year draw period and 15-year repayment period. Initial minimum withdrawal amount is $1,000.00 and $500.00 for each subsequent withdrawal.
17 Payment example: 180 monthly payments of $8.68 per $1,000.00 borrowed. Payment based on lowest rate available of 6.430%. The rate is based on the 20-year Treasury Constant Maturities as of the third Monday of the previous month as listed on the Federal Reserve statistical release plus 1.75% percent. Actual rate based on individual credit performance.
18 Fee may be waived or reversed depending on your PostCity Perks Status. Refer to our PostCity Perks Page to verify eligibility.
20 Refer to your Overdraft Privilege and Overdraft Protection Disclosure.
PostCity Financial Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by PostCity Financial Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.
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