Allegheny Kiski Postal Federal Credit Union

What Allegheny Kiski Postal Federal Credit Union does

Allegheny Kiski Postal Federal Credit Union is a federally chartered, NCUA-insured community credit union founded in 1953 and headquartered at 501 11th Street, Room 206, New Kensington, Pennsylvania. It operates as a not-for-profit financial cooperative serving postal workers, employees of more than 50 Select Employee Groups (including healthcare providers, restaurants, auto dealers, borough offices, and churches), and residents of the Alle-Kiski Valley spanning Natrona, Arnold, New Kensington, Tarentum, Lower Burrell, and surrounding areas. Membership exceeds 2,500, including original members from the founding year.

The credit union's product portfolio centers on share savings accounts (with a $5 minimum and quarterly dividends on balances of $100 or more), share draft (checking) accounts with no monthly maintenance fees and a debit MasterCard, term certificates (6-month at 2.77% APY, 1-year at 3.25% APY, both with a $3,000 minimum), Christmas and Vacation club accounts, and a lending suite comprising new and used auto loans (rates from 4.49% and 5.49% APR, 60-month terms), signature loans up to $12,500 (11.5% APR, 36 months), share-secured loans (1.99% APR, 12 months), and a VISA credit card with a 2.99% introductory rate stepping to 11.9%. Real estate lending is currently suspended for new applications. Digital channels include online banking via the itsme247 platform, a mobile app (iPhone and Android) launched in September 2023 with mobile deposit (daily limit $5,000), and ATM access through the Allpoint and MoneyPass networks.

Revenue is generated primarily from interest income on the loan book, transactional fees (NSF $20, stop payment $25, debit card replacement $2, dormant account $10 monthly), and net interest margin on deposits, with PSCU providing credit card processing and CUNA Mutual Group/TruStage supporting member-facing marketing. GTM is community-led: growth depends on employer-sponsored payroll deduction relationships, word-of-mouth among members, and a single physical office supported by Saturday lobby hours and toll-free phone banking. In March 2026 the credit union announced infrastructure upgrades (receipt printers, signature pads, ID scanners) effective June 1, 2026, reflecting a digital push rather than geographic or product expansion.

Name

Allegheny Kiski Postal Federal Credit Union

Legal name

Allegheny Kiski Postal Federal Credit Union

Website

https://akpostalfcu.org

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

1–10 employees

Short description

Allegheny Kiski Postal Federal Credit Union is a federally chartered, NCUA-insured community credit union founded in 1953 that serves postal workers, select employer groups, and residents of the Alle-Kiski Valley in Pennsylvania with savings, checking, loans, and digital banking.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Employer/Occupational Credit Unions (FSABAEAB)

akta.pro secondary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Credit union banking
• Consumer lending
• Share savings accounts
• Share draft checking
• Community banking

Headquarters

HQ city

New Kensington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income on Loans: Primary revenue stream from interest charged on various loan products including auto loans, signature loans, share secured loans, and credit cards
2. Fee Income: Fees collected for non-sufficient funds ($20), stop payments ($25), debit card replacement ($2), bad address fees ($10), and dormant account fees ($10 monthly)
3. Share Savings Deposits: Members maintain share savings accounts with required $5 minimum balance. Dividends paid quarterly on balances of $100 or more

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Allegheny Kiski Postal Federal Credit Union is a federally chartered, member-owned credit union providing retail banking services to postal workers, select employee groups, and community residents in the Alle-Kiski Valley of Pennsylvania. It offers share savings accounts, share draft (checking) accounts, debit and VISA credit cards, auto loans, signature loans, share secured loans, club savings accounts, and certificates of deposit, supported by online banking, a mobile app with mobile deposit, payroll deduction, and ATM network access.

Product overview

Allegheny Kiski Postal Federal Credit Union offers a unified set of traditional banking products centered around its core savings, checking, and lending services. The core portfolio includes Share Savings Accounts, Share Draft (checking) Accounts with Debit MasterCard, VISA Credit Cards, and various loan products (New/Used Auto, Signature, Share Secured, and Real Estate Lending currently suspended). The credit union also provides specialized savings through Christmas Club and Vacation Club accounts, plus Certificate accounts with competitive APY rates. Digital banking is delivered through a Mobile App with Mobile Deposit capability, Online Banking with Free Bill Pay, and Payroll Deduction services. All products are federally insured through NCUA with coverage up to $250,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Share Savings Accounts Basic savings accounts requiring a $5.00 minimum balance at all times. Earns dividends on balances of $100 or more, with dividends declared quarterly by the Board. Federally insured up to $250,000 through NCUA. Designed for members of the credit union.
• Share Draft Accounts Checking accounts available upon approval. Features include free first 50 checks, no monthly maintenance fees, optional Debit MasterCard, and free online banking with bill pay. NSF fee of $20 and stop payment fee of $25 apply. Available to credit union members.
• VISA Credit Card Credit card with introductory rate of 2.99% for first 6 billing cycles, then 11.9% for purchases and cash advances. No annual or monthly fees. Free balance transfers available. Processed through PSCU. Available to approved credit union members.
• New Auto Loan Vehicle financing for new automobiles. Rates as low as 4.49% with 60-month terms. Online application available 24/7. Available to credit union members.
• Used Auto Loan Vehicle financing for pre-owned automobiles. Rates as low as 5.49% with 60-month terms. Online application available 24/7. Available to credit union members.
• Signature Loan Unsecured personal loan up to $12,500. Rate as low as 11.5% with 36-month terms. Online application available 24/7. Available to credit union members.
• Share Secured Loan Loan secured by existing share savings account balance. Rate as low as 1.99% with 12-month terms. Online application available 24/7. Available to credit union members.
• Christmas Club Account Savings account for holiday expenses. APY rates of 0% to 1% based on balance tier, with minimum $100 deposit to earn 0.5% APY. Available to credit union members.
• Vacation Club Account Savings account for vacation expenses. APY rates of 0% to 1% based on balance tier, with minimum $100 deposit to earn 0.5% APY. Available to credit union members.
• Certificate Accounts Term deposit accounts. 6-month certificate at 2.77% APY with $3,000 minimum; 1-year certificate at 3.25% APY with $3,000 minimum. Available to credit union members.
• Real Estate Lending Mortgage and real estate loan products. Currently suspended for new applications.
• Online Banking / Home Banking Free online banking service for members. Enables account access, balance viewing, transfers, and e-statement enrollment. Sign-up requires visit to office with email address. Available to credit union members.
• Payroll Deduction Service allowing employers to deduct loan payments or deposits directly from member's direct deposit. Members provide employer's routing number and account number. Available to credit union members through employer partnerships.
• Mobile App Mobile banking application for iPhones and Androids. Enables balance checking, internal account transfers, and mobile deposits. Requires home banking setup. Available to credit union members.
• Mobile Deposit Check deposit feature via mobile app. Daily limit of $5,000. Requires proper endorsement ('For Mobile Deposit Only' plus credit union name) and valid photo ID. Third-party checks not accepted. Available to credit union members.

Quantifiable outcome

• Over 2,500 members served while retaining original founding members
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• CUNA Mutual Group / TruStagecoreGTM or Marketing PartnerJoint marketing partner through CUNA Mutual Group's MEMBERCONNECT/TruStage program. This partnership enables co-marketing of financial products and services to credit union members.
• PSCU (Now Co-op Solutions)coreTechnology or IntegrationCredit card processing and services partner for VISA credit card program. PSCU provides the online portal access for cardholders to manage their credit card accounts.
• NCUA (National Credit Union Administration)coreOthersFederal regulatory agency that insures credit union deposits up to $250,000 and provides oversight and governance framework for federally chartered credit unions.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Pennsylvania State Employees Credit Union (PSECU): Pennsylvania's largest credit union and a fellow state-headquartered, federally insured cooperative serving employee/member groups with full retail banking products. Most directly comparable large-scale PA credit union operating in the same state.
• Pennsylvania School Employees Credit Union: Pennsylvania occupational credit union serving school employees with savings, lending, and digital banking. Comparable employee-group-anchored, member-owned FCU model within the same state.
• Service 1st Federal Credit Union: Pennsylvania-headquartered federal credit union serving select employee groups and community members across central PA. Comparable SEG-based, member-owned FCU operating model.
• Utility Employees Federal Credit Union: Occupational federal credit union originally serving utility employees and now expanded to SEG members nationwide. Closely comparable single-employer-origin FCU that broadened its field of membership.
• First Commonwealth Federal Credit Union: Pennsylvania federal credit union serving employee groups and community members with traditional deposit and lending products. Directly comparable occupational/SEG-driven FCU business model.
• Citadel Federal Credit Union: Pennsylvania-headquartered federal credit union offering full retail banking services including savings, checking, lending, and digital channels. Directly comparable as a PA-based FCU serving members across overlapping southwestern PA geographies.
• Belco Community Credit Union: Pennsylvania community credit union offering savings, checking, loans, and digital banking to community-based members. Comparable community-charter credit-union model with similar member profile.
• Members 1st Federal Credit Union: Pennsylvania-based federal credit union serving community and SEG members with savings, lending, mortgage, and digital banking. Closely comparable member-owned FCU model with similar geographic and product overlap.

Others

• Co-op Solutions (formerly PSCU): Credit union service organization providing credit card processing and digital banking infrastructure. Already a core technology partner of AKPFCU and comparable as the industry's enabling-services provider.
• TruStage (CUNA Mutual Group): Credit-union-focused insurance and financial-services provider marketing products through credit-union partners. Comparable ecosystem participant and existing co-marketing partner of AKPFCU.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Allegheny-Kiski-Postal-Federal-Credit-Union-495389433931041
• LinkedInlinkedin.com/company/allegheny-kiski-postal-fed-cu

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Allegheny Kiski Postal Federal Credit Union