Question 1

What is Atlanta Postal Credit Union (APCU)?

Accepted Answer

Atlanta Postal Credit Union (APCU) is a federally chartered, member-owned financial cooperative headquartered in Atlanta, Georgia. Founded in 1925, APCU is Georgia's oldest credit union and one of the largest postal-affiliated credit unions in the United States. With over 119,000 members and approximately $2.55 billion in assets, APCU serves postal employees, federal employees, state of Georgia employees, and their families across multiple states.

The credit union operates under the brand name Center Parc Credit Union for its consumer-focused division, launched in 2020 to broaden its appeal beyond its postal heritage.

The credit union operates under the brand name Center Parc Credit Union for its consumer-focused division, launched in 2020 to broaden its appeal beyond its postal heritage.

Question 2

When was Atlanta Postal Credit Union (APCU) founded?

Accepted Answer

Atlanta Postal Credit Union was founded in 1925 to serve United States Postal Service (USPS) employees in the Atlanta, Georgia area. APCU holds the distinction of being the first credit union established in Georgia.

The credit union's founding came shortly after credit union pioneer Edward Filene visited Atlanta in 1922 to explain the credit union concept to local business leaders, including the Georgia governor and Atlanta mayor. This advocacy led to the passage of Georgia's credit union law in 1925, the same year APCU was chartered.

Throughout its history, APCU has expanded through strategic mergers and membership growth. Notable milestones include opening membership to postal employees nationwide in 1971, reaching $1 billion in assets in 1999, and surpassing $2 billion in assets in 2014. The credit union has merged with several other credit unions, including Asheville Postal Credit Union (2013), Human Services Employees' Credit Union (2012), and Members Alliance Federal Credit Union (2014).

Question 3

Where is Atlanta Postal Credit Union (APCU) headquartered?

Accepted Answer

Atlanta Postal Credit Union is headquartered at 400 Porsche Avenue, Atlanta, Georgia 30354. The credit union relocated its main office to Crown Road in Atlanta in 1980 from its original location in the Federal Annex Building in downtown Atlanta.

Question 4

Where does Atlanta Postal Credit Union (APCU) operate?

Accepted Answer

APCU operates primarily in Georgia, with branch locations in Atlanta, Rome, and Columbus. The credit union has expanded its presence beyond Georgia to include a branch in Asheville, North Carolina.

Membership is available to:
• Current and retired United States Postal Service employees nationwide
• Federal employees and their families living in Georgia
• State of Georgia employees and their families
• Immediate family members of existing APCU members
• Employees of select employer groups affiliated with the credit union

Members have access to thousands of surcharge-free ATMs through the CO-OP Network and can conduct transactions at CO-OP Shared Branches across the country.

Question 5

What services does Atlanta Postal Credit Union (APCU) offer?

Accepted Answer

APCU provides a comprehensive range of financial services, including:

Deposit Accounts:
• Share (savings) accounts
• Checking accounts (Kasasa Cash and Kasasa Cash Back)
• Money market accounts
• Certificates of deposit
• Individual Retirement Accounts (IRAs)
• Holiday, vacation, and education club accounts

Lending Services:
• Auto loans
• Home mortgages and home equity loans
• Personal loans
• Credit cards (including Visa affinity cards)
• Business loans

Digital Banking:
• Mobile banking app with remote check deposit
• Online banking with bill pay
• eStatements
• Account-to-account transfers
• 24/7 account access through KeyTeller Audio Response service

Additional Services:
• Safe deposit boxes
• Money orders
• Notary services
• Financial planning and wealth management

Question 6

What makes Atlanta Postal Credit Union (APCU) unique?

Accepted Answer

Several distinctive features set APCU apart:

Historic Legacy: As Georgia's oldest credit union and one of the first in the United States, APCU has served members for 100 years, demonstrating stability and commitment to the cooperative financial model.

Dual Brand Strategy: In 2020, APCU launched the Center Parc Credit Union brand to attract a broader consumer base while maintaining its postal heritage. The Center Parc name cleverly derives from "parcel," honoring the credit union's postal roots. Center Parc Credit Union even secured naming rights to Center Parc Stadium (formerly Georgia State Stadium) in Atlanta, increasing brand visibility.

Community Service History: During World War II, APCU led a campaign to raise war bonds to replace the sunken USS Atlanta, contributing over $106,000 of the nearly $50 million raised. The credit union was commissioned by the U.S. Treasury as an agent for the issuance of War Bonds in 1941.

Progressive Membership: In 1932, APCU appointed R.B. Perry, the first Black credit union board director ever appointed, along with Moses C. Davis, demonstrating early commitment to diversity and inclusion.

Strong Financial Performance: With over $2.5 billion in assets and consistent growth in members, loans, and deposits, APCU ranks as the fourth-largest credit union in Georgia.

Question 7

What type of financial institution is Atlanta Postal Credit Union (APCU)?

Accepted Answer

Atlanta Postal Credit Union is a federal credit union chartered by the National Credit Union Administration (NCUA). As a federally chartered institution, APCU operates under federal regulations and offers accounts insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor.

As a credit union, APCU is a not-for-profit financial cooperative owned and controlled by its members. Each member has one vote regardless of account balance, and the credit union's earnings are returned to members through competitive rates, lower fees, and enhanced services. Membership is based on common bonds, including employment with the U.S. Postal Service, federal or state government employment in Georgia, or family relationships with existing members.

The credit union is governed by a volunteer board of directors elected by the membership and operates according to the credit union philosophy of "people helping people."

Atlanta Postal Credit Union (APCU)

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About Atlanta Postal Credit Union (APCU) in the United States