--- title: "Alabama Postal Credit Union: #1 Personal Loan in Alabama" description: "Alabama Postal Credit Union has the lowest tracked personal loan rate in Alabama (4.75% APR) among 34 credit unions we verify. Alabama Postal Credit Union rates today: savings & CDs up to 4.75% APY, personal loans from 4.75% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Alabama Postal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/alabama-postal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alabama Postal Credit Union: #1 Personal Loan in Alabama ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 4.750% APR | 4.750% | — | Standard | | **Signature Loan** personal_unsecured | 9.750% APR | 9.750% | — | Standard | Alabama Postal Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **24-Month Certificate** cd_24mo | 4.75% APY | 4.75% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 4.75% APY | 4.75% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 4.75% APY | 4.75% | 48 mo | Standard | Alabama Postal Credit Union savings & cd rates as of November 12, 2026 Personal loan rates from 4.75% APR. Savings and certificate yields up to 4.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/alabama-postal) , verified from [Alabama Postal Credit Union's official website](https://www.alabamapostalcu.com/) Best product position **#1 of 34** personal loan Gap to state best **0 bp** State market leader Vs. state median **575 bp better than median** personal loan Products ranked **1** across tracked Alabama markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 4.75% | #1 of 34 · lowest in Alabama | State market leader | 575 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Alabama Postal Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=alabama-postal&state=alabama&code=AL&name=Alabama%20Postal%20Credit%20Union) Loading branch locator… ## About Alabama Postal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 915 Assets $6.4M Founded 1927 Locations reported 1 NCUA charter 64645 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile payments - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Southern Energy** Alabama Power Headquarters · Birmingham · AL · 35203-2206 About 0.1 miles away](https://rateapi.dev/credit-unions/alabama/southern-energy) [**Fireman's** Main Office · Birmingham · AL · 35203-2201 About 0.1 miles away](https://rateapi.dev/credit-unions/alabama/firemans) [**Jefferson Credit Union** Courthouse · Birmingham · AL · 35203 About 0.2 miles away](https://rateapi.dev/credit-unions/alabama/jefferson-credit-union) [**Alabama** Downtown Birmingham Post Office · Birmingham · AL · 35203-3836 About 0.5 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Avadian** Midtown · Birmingham · AL · 35233 About 0.6 miles away](https://rateapi.dev/credit-unions/alabama/avadian) [**America's First** Main Office · Birmingham · AL · 35203-1631 About 0.7 miles away](https://rateapi.dev/credit-unions/alabama/americas-first) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Alabama Postal Credit Union Membership eligibility from Alabama Postal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alabama Postal Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer postal Verified from [Alabama Postal Credit Union's membership page](https://www.alabamapostalcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Alabama Postal Credit Union Employers 2 · Family 3 published paths to membership, last verified October 11, 2026, quoted from Alabama Postal Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Employee of Postal “Membership in Alabama Postal Credit Union is open to all current and retired postal employees.” > [source ↗](https://www.alabamapostalcu.com/) - Employee of Postal - Retired employee of Postal “Membership in Alabama Postal Credit Union is open to all current and retired postal employees.” > [source ↗](https://www.alabamapostalcu.com/) - Retiree of Postal ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family of a member immediate family “Immediate family of Credit Union members are also eligible for membership.” > [source ↗](https://www.alabamapostalcu.com/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Alabama Postal Credit Union? Yes No ## Work at Alabama Postal Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alabama Postal Credit Union ranks against Alabama peers. - See which AI assistants fetched Alabama Postal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alabama-postal&state=alabama&code=AL&name=Alabama%20Postal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alabama Postal Credit Union offer? Alabama Postal Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Alabama Postal Credit Union rates updated? RateAPI verifies Alabama Postal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Alabama Postal Credit Union's rate data? Rate data is collected directly from Alabama Postal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Alabama Postal Credit Union's personal loan rate? As of November 12, 2026, Alabama Postal Credit Union offers personal loans from 4.75% APR. ### What is Alabama Postal Credit Union's best CD rate? As of November 12, 2026, Alabama Postal Credit Union offers savings and certificate (CD) yields up to 4.75% APY. ### Who can join Alabama Postal Credit Union? Alabama Postal Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Alabama Postal Credit Union, each quoted from Alabama Postal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Alabama Postal Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.alabamapostalcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alabama Postal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alabama Postal Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /alabama-postal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alabama Postal Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/alabama-postal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp