Keynotes. This Spring Auto Loan Financing! Here s How! 1% APR* less than our regular posted vehicle loan rates.

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Delivering exceptional service to U.S. Postal Service employees and their families since 1925.


First Quarter • 2012

This Spring


Auto Loan Financing!

Here’s How!

Are you looking for a new or pre-owned car, truck,

or van? Let Atlanta Postal Credit Union (APCU) help

you buy the vehicle you want and deserve with our

spring loan rate sale happening now.

Finance your new or pre-owned vehicle purchase through June 30, 2012 and enjoy an excellent À nancing rate from Atlanta Postal Credit Union that is

1% APR* less than our regular posted

vehicle loan rates.

This means you can


nance a vehicle loan

with us at a rate as low as 1.75% APR**!

Shop with the conÀ dence you deserve by pre-qualifying for your new or pre-owned vehicle loan with APCU. We can help you À gure out how much money you can reasonably afford to spend and how much your payments will be. And, thanks to our spring vehicle loan rate sale, owning a new-to-you vehicle has never been more affordable.

*APR – Annual Percentage Rate.

** Loan rate is quoted as an Annual Percentage Rate and is subject to change without notice. Rate example quoted is for a 2008 and newer model year auto with a 48-month repayment period. Additional rates and terms are available. Ask for details. Rates shown are the lowest available for the listed term as of March 31, 2012. All loans are subject to approval of credit. Your actual rate is based upon your credit history. APCU is an Equal Opportunity Lender. Vehicle loan rate reduction offer may not be combined with any other offers made by APCU.

Have you already purchased a new-to-you vehicle and

À nanced with another À nancial institution? No problem! You can reÀ nance that vehicle loan with APCU and receive our special, discounted vehicle loan rate, too!

Applying is easy! Just call one of our friendly and knowledgeable Loan Service Representatives, 24/7, Toll-free at (800) 371-6917, or stop by and visit us

at any one of our branch locations and get your application started today. Applications are also available online at by clicking on the “Minute Money Loan” icon.

This offer ends June 30, 2012, so don’t delay! Contact Atlanta Postal Credit Union and we’ll get your vehicle loan application started right away.





Credit Card:

The Perfect



Planning a vacation or weekend

getaway? Whether you have a

peaceful vacation or a fun-filled family

getaway in mind, make sure to plan

your next vacation using your Atlanta

Postal Credit Union (APCU) VISA Platinum Credit Card.

We’ll award you one Bonus Point for every dollar you spend using your Atlanta Postal Credit Union VISA Platinum Credit Card*. Bonus Points can be redeemed for brand name merchandise and exciting travel rewards. And, when it comes to travel, APCU’s VISA ScoreCard Rewards program has something for every preference and every Bonus Point level.

Choose from categories like hotels, airfare, rental cars, cruises, and much, much more! Plan your next vacation using your APCU VISA Platinum Credit Card and start earning valuable points right away!

To learn more about the many, great beneÀ ts of an APCU VISA Platinum Credit Card, simply call our VISA Card Services Department Toll-free at (800) 599-7889.


*APCU Home Equity Lines of Credit, business, association, and organizational accounts are not eligible to participate in VISA ScoreCard Rewards program. Personal IdentiÀ cation Number-based (PIN) transactions and cash advances do not earn Bonus Points.


Are you 55 years of age or better? If so, we have

just the checking account for you! – Platinum

Advantage Checking.

Atlanta Postal Credit Union’s Platinum Advantage Checking Account has all the beneÀ ts of a regular Checking Account and more.

With a Platinum Advantage Checking Account, there is no minimum balance or direct deposit requirement to avoid a monthly service charge. And, you can open a Platinum Advantage Checking Account with as little as $25 and earn monthly dividends on every dollar on deposit in the account.

Do you enjoy saving money? With a Platinum Advantage Checking Account, there is never a “per check” charge. You can write as many checks as you need, up to your available balance, at no additional cost to you. We’ll even supply you with unlimited “Pride of Membership” or “Eagle” style personalized checks each year.* What’s more, you can receive images of your cleared checks on your monthly statement for free with a Platinum Advantage Checking Account.**

Platinum Advantage Checking –

Everything You’ve

Ever Wanted In A Checking Account And More!

* One box of “Pride of Membership” or “Eagle” style personalized checks per order, unlimited orders per year. ** Some images are not available for check image production. Call for more information.

Some additional money-saving, special features of Platinum Advantage Checking include:

• Free VISA


Debit Card with ScoreCard Reward Bonus Points and unlimited free point-of-sale transactions

• Free Internet Branch access

• Free KeyTeller Audio Response Unit access

• Free unlimited Bill Pay and Presentment service

Switching to a Platinum Advantage Checking Account is easy. If you currently have a regular Share Draft Checking Account with APCU, it is not necessary for you to change your current APCU Checking Account number or order new checks. In addition, any other services you are currently using in connection with your checking account will remain in effect.

To open a Platinum Advantage Checking Account, or upgrade your current APCU Checking Account to a Platinum Advantage Checking Account, simply visit any one of our branch locations or call us at (404) 768-4126 or Toll-free at (800) 849-8431 to speak with a Member Service Representative. Additional information on Platinum Advantage Checking is also available on our Web site at


Don DeCinque

President/CEO’s Message

On January 28, 2012, APCU hosted its 87th Annual Meeting. We were pleased to welcome over 850 members to the meeting. We were fortunate to have had a beautiful spring-like day – sunny, cloudless blue skies and warm – certainly not a typical January day in Georgia.

In our reports to the attendees we noted that 2011 was another year of À nancial turmoil as the economy remained unsettled and interest rates hit lows not seen since the Great Depression. While the credit union felt its share of the impact from this ongoing economic downturn, we reported that Atlanta Postal Credit Union recorded another year of solid performance. Despite the downturn, APCU ended the year with assets over $1.9 billion and served the

À nancial needs of almost 100,000 members.

In the face of the challenging environment today, the credit union remains well capitalized, with an average capital ratio that is considerably higher than that which is required by regulators. This means that the credit union is well positioned to do what we do best: help people in times of need.

In normal times, the difference between credit unions and other players in the À nancial marketplace isn’t quite as obvious to most people. In the current economy, the credit union difference becomes more apparent. While other

À nancial institutions focus on what is best for stockholders, the credit union continues to demonstrate its commitment to helping members realize their À nancial goals. Whether those goals include reducing debt, buying a new or pre-owned vehicle, purchasing a new home or vacation home, saving for higher education, or planning for retirement; APCU stands ready and able to assist members through every major event in their lives.

The Board of Directors, volunteers, managers, and staff remain dedicated to keeping APCU a safe, sound, and strong credit union. We want you to feel conÀ dent that APCU will always put your best interests in the forefront. The year 2011 demonstrated once again that the values upon which Atlanta Postal Credit Union was established – long-term stability, À scal strength, integrity, and service excellence – remain a solid foundation for growth regardless of the economic climate.

We thank you for your business and the opportunity to serve you and your family.

As part of APCU’s extensive Youth Program, each year we join thousands of credit unions nationwide to celebrate National Credit Union Youth Week. While Youth Week runs from April 22nd – 28th this year, at APCU, we’ll be celebrating Youth “Month” during the entire month of April! The theme for 2012 is “Be a Credit Union Super Saver!”, and we invite you and your youngster(s) to be part of the celebration.

Here’s how:

Simply make a deposit of $25 or more into an existing youth account, or open a new youth membership anytime during April 2012. Every young member who makes a $25 or more deposit to his/her APCU account during Youth Month will receive a super saver bracelet with a special message from the credit union.* It’s that easy!

Every member counts at APCU, and our young members are no exception. Please join us as we celebrate Youth Month, April 1, 2012 through April 30, 2012, by introducing all the members of your family, including those 24-years old and younger, to the beneÀ ts of credit union membership. Remember, credit union membership is a gift only you can give and it lasts a lifetime.

For more information, contact us at (404) 768-4126

or Toll-free at (800) 849-8431.

* One super saver bracelet per Primary Share Account. Primary account owners must be between the ages of 0-24. Deposits must be received and posted to the account between April 1, 2012 and April 30, 2012.


Name: Member #:

D.O.B. S.S. #


City: County: State: Zip: Home Phone: ( ) Work Phone: ( ) Purpose of Loan: Approx. Term: Amount Requested: Security Offered:

You elect the following single credit disability U Yes U No insurance coverage(s): single credit life U Yes U No joint credit life U Yes U No Employer:


City: State: Zip:

Position: Length of Employment: Income (current):

Additional Income: Source:

Total Current Annual Income:

Debts Lender Balance Payment Mortgage/Rent

2nd Mortgage Auto Auto Total

Payment Options (check one):

U Deduct monthly from

U Savings U Checking

U Payment date requested: __________

U Deduct biweekly from

U Savings U Checking

U Pay direct by mail or in person

I understand that the credit union will retain this application whether or not it is approved. The credit union is authorized to check my employment history and credit report.


For a mortgage application, call (770) 921-7091 or Toll-free (800) 849-8436.

Please Print

Branch Listing


3900 Crown Road • Atlanta, GA 30380-0001 (404) 669-2750 FAX


520 W. Ponce DeLeon Avenue • PO Box 803 Decatur, GA 30031

(404) 378-5642 FAX


Real Estate Department Business Lending Department

1605 Boggs Road (Duluth) • PO Box 588050 North Metro, GA 30029-8050

(770) 921-7186 FAX


(formerly Bulk Mail Center Branch)

1800 James Jackson Pkwy, NW • Atlanta, GA 30369-9751 (404) 792-2512 FAX


501 Pulliam Street, Suite 350 • Atlanta, GA 30312-2749 (404) 223-3322 FAX


VISA Department

515 Mulberry Street, Suite 100 • Macon, GA 31201-6306 (478) 746-8999 FAX

Drive-Up Window Service (this location only)

Monday-Friday • 9:00 AM - 4:30 PM


2801 Candler Road, Suite 81 • Decatur, GA 30034

Hours of Lobby Operation (this location only)

Monday-Friday • 9:00 AM - 7:00 PM


(404) 768-4126 • (800) 849-8431

Hours of Lobby Operation - Monday-Friday • 9:00 AM - 4:30 PM Telephone Service - Monday-Friday • 8:30 AM - 5:00 PM


(800) 371-6917


(800) 599-7889 Member Services

(800) 325-3678 Lost or stolen card assistance only

Web Site: General E-Mail:


Rates are current as of March 31, 2012

* Other Collateral: Motorcycles, Personal Watercraft, Recreational Vehicles, Campers, Boats, Motor-homes, Travel Trailers, and Farm Equipment.

** Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the “% Above Index” column above. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the 1st day of January, April, July, and October to refl ect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid.

** Certifi cate Secured: The APR will be the dividend rate being paid on the Certifi cate offered as security (Index) plus the percentage shown

in the “% Above Index” column above. The Certifi cate must either be renewed until the advance is completely paid or be rolled over into a share account, at which point the advance will become a Share Secured advance and be subject to those terms. Failure to renew the Certifi cate or roll it over to a share account will result in default under the Plan. When the Certifi cate is renewed, the APR will change to refl ect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for certifi cate secured advances will be disclosed on the voucher at the time of the advance.

*** Partially Share Secured: The Annual Percentage Rate will be the Personal Loan rate for which the applicant qualifi es minus the discount percentage shown under the “Discount” above. Payment example: Estimated monthly payment on a 36-month loan at 3.99%=$30.00 per $1,000.00 borrowed.

APCU Statistics

(as of February 28, 2012)

Assets: $1,982,945,475

Members: 100,072

Dividend News

APCU paid a quarterly share

dividend of .746% with an

Annual Percentage Yield of

.75% for the first quarter.

Dividends are compounded

and credited to your account


Dividends will be computed by

applying a periodic rate to the

balance in the account for each

day of the dividend period.

Deposits begin earning dividends

on the day of deposit.

If you close your share account

before dividends are paid, you

will not receive the accrued

dividends. No dividends are paid

on balances below $50.00 except

on youth accounts.

Board of Directors

Moses M. Spence, Chairman

Royce L. Jackson, Secretary

Katherine S. Brown

Donald A. DeCinque

David Disharoon

Roy L. Matthews

J.T. Middlebrooks

H. Preston Mulkey

Bud Wilkinson

Sam B. Dowdy - Director Emeritus

Supervisory Committee

H. Preston Mulkey, Chairman

Robert L. Harris, CPA

Herbert W. MacNabb

Roy L. Matthews

Jabo Patterson

Credit Committee

Katherine S. Brown, Chairman

George Lamar

Pat Little

J.T. Middlebrooks

Roy G. Rainwater

Memorial Day • Monday, May 28, 2012

Independence Day • Wednesday, July 4, 2012

Labor Day • Monday, September 3, 2012

Holiday Closing Dates

New and Used Auto Loans

2008 and newer

$25,000 and over

2007 and older

Other Collateral Loans*

$35,000 and over

Personal Loans

Share or Certifi cate Secured**

100% of balance on deposit

Partially Share Secured***

75% of balance on deposit 50% of balance on deposit 25% of balance on deposit 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit % Above

Term Discount Index

36 mos. 48 mos. 60 mos. 72 mos. 48 mos. 60 mos. 48 mos. 60 mos. 120 mos. 36 mos. 48 mos. 2.00% 36 mos. 2.00% 36 mos. 1.50% 36 mos. 1.00% 48 mos. 2.00% 48 mos. 1.50% 48 mos. 1.00% Annual Percentage Rate (APR) 2.75%-11.25% 2.75%-11.25% 3.00%-11.50% 3.75%-12.25% 5.00%-13.50% 5.50%-14.00% 6.50%-13.50% 7.00%-14.00% 7.75%-14.75% 8.40%-15.40% 8.90%-16.90%

APCU Loan Rates

This information is accurate as of the effective date listed below. The terms may change after that date. Please call us at (800) 849-8431 or (404) 768-4126 for additional information.




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