Why Join PPCU?

We're Member Owned

Welcome to Pacific Postal Credit Union, where you're more than just a customer. You're a member. We are a full-service financial institution with all the time-saving services modern technology has made possible. But we offer our members something more: a commitment to personal service that always takes the extra step, and never forgets that the reason we're here is people - like you.

We're Competitive

As a credit union, we are, by definition, a not-for-profit, member-owned, financial cooperative where members enjoy loan rates that are typically lower than banks and other financial institutions. Higher savings rates, too. And, as a member, you'll also enjoy significant savings by avoiding the high fees and deposit requirements that are common to banks.

We're Easy to Join

The following persons are eligible to join.

  • All persons who live, work, worship or go to school in Santa Clara County.
  • All employees, retirees and contract employees of the U.S. Postal Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin and San Joaquin.
  • All Civil Service employees in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito and San Francisco.
  • The employees, contract employees and legal counsel of the credit union. The spouses, surviving spouses, all relatives, and people living in the household of the above person and members, organizations of the above persons, other credit unions, and organizations of credit unions.

It's easy to join. Just take a few minutes to fill out and submit membership application. A minimum deposit of $50.00 into a regular share account, and a $5.00 membership fee is required to open an account which you can fund online. That's all there is to it.

We're Federally Insured

Your accounts are safe, secure and insured for at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Person Retirement Accounts are insured for an additional $250,000.

You'll be in good company. Today more than 13,000 people belong to Pacific Postal Credit Union, which has been serving postal and government employees in the Bay Area since 1931.