Savings Accounts

Share Savings
Let's Share! Just maintain a minimum of $1.00* in a share savings account and you will become part owner in the credit union. Your share account works just like a regular passbook savings account and earns competitive monthly dividends.

Kids Savings

  • For children up to and including the age of 12 years old!
  • Our Kids Savings Accounts can be opened for as little as $1.00!*
  • Kids will receive a special gift when they open their new account!
  • Kids will receive birthday cards, Christmas cards and a couple of fun surprises along the way!
  • Kids are our future! Start helping our kids learn the valuable lesson of saving money at an early age!
Teen Club Account
  • For young people from the ages of 13 through 17 years old!
  • Our Teen Club Accounts can be opened for as little as $1.00!*
  • Teens will receive a special gift when they open their new account!
  • Teens will receive birthday cards, Christmas cards and a couple of fun surprises along the way!
  • Teens may have access to checking, debit cards and ATM service at age 16!
  • Teens are our future! Start helping our teens learn the valuable lessons of saving money and spending money wisely at a very important age!
Platinum Club Account
This new savings account is open to members who are 62 years of age or older. This savings account can be opened for as little as $1.00.* Members in the Platinum Club will receive many benefits including free checks (ask for details), free Cashier's checks, free check copies and free monthly statement copies.

Holiday Savings
This account is similar to our share savings account but is used specifically to help you save money all year long for holiday shopping. Holiday Savings are available the 1st of October just in time for all of the holiday sales and bargains. Start saving for the holidays today with your holiday savings account.

Vacation Savings
This account is similar to our share savings account but is used specifically to help you save money all year long for your vacation. Vacation Savings are available the 1st of May just in time for your vacation. Start saving today for your vacation with your vacation savings account.

*Your savings accounts earn interest on the days that the balance is above $25.00.

Checking Accounts

Choose the checking that's best for you! Postal & Community has two great checking accounts to meet your needs.

Basic (Cost Free)

  • No Minimum Balance
  • Unlimited Check Writing
  • No Monthly Fees
  • Overdraft Protection
Premier (Interest-Earning)
  • Interest Paid Monthly
  • $500 Minimum Balance*
  • Unlimited Check Writing
  • Overdraft Protection
Additional benefits of Basic and Premier
Direct deposit of your paycheck, social security or pension check into your account. Payroll deduction to direct your funds to different savings accounts and loan payments.

A VISA Check Card can deduct your transactions automatically from your checking account. This will save you time and money without writing a check! Access to thousands of
ATMs displaying the STAR logo with your PCCU VISA Check Card as well.

Star logo

*Your account earns interest only on the days that the balance is above the minimum.


Money Market Fund Account

Our Money Market Fund Account offers a great return on your investment, easy access to your funds (liquidity) and check writing privileges. The more you save, the higher the rate with our flexible tiered accounts. We have great rates on our money market account.

Your funds are federally insured up to $250,000 by the NCUA.

Interest on your investment is paid monthly. By maintaining a minimum balance of $1,000 you will earn interest and can add to your account anytime you wish with a minimum deposit of $25.00.

You may write up to three checks per month without incurring a fee. The minimum withdrawal is $200. Start saving with your PCCU money market account today!


Share Certificates

Our Share Certificates are very popular with our members on saving their hard earned money. A Share Certificate locks in a higher interest rate for a fixed period of time. We offer a variety of terms from 3 months to 5 years to meet your needs. Our rates are very competitive. With a minimum deposit of $500, you can start saving today!


IRA Products

Individual Retirement Accounts (IRA's)
IRA's are a great way to save for your retirement. We offer Traditional, Roth and Educational IRA's. Start saving today with Postal & Community's two great programs.

IRA Certificates
With a minimum deposit of $500, you can earn a higher interest rate for a fixed period of time. We have a variety of terms to pick from to help meet your retirement needs.

IRA Savings
This account is similar to our share savings account and helps you save and build up your retirement savings. Start your IRA today!

Your IRA is insured up to $250,000 by the NCUA.

Postal & Community logo

Routing Number: 301281968

Main Office:

3921 Oakland Avenue
St. Joseph, MO 64506
Phone: 816-279-5656
FAX: 816-279-5660
Loan FAX: 816-364-1649


Mailing Address:

P.O. Box 8035
St. Joseph, MO 64508

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