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    <Timestamp>2013-05-16T15:00:00-05:00</Timestamp>
    <TaxPeriodEndDate>2012-12-31</TaxPeriodEndDate>
    <ReturnType>990</ReturnType>
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    <Filer>
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      <Name>
        <BusinessNameLine1>CENTRAL FLORIDA POSTAL CREDIT UNION</BusinessNameLine1>
      </Name>
      <NameControl>CENT</NameControl>
      <Phone>4074252561</Phone>
      <USAddress>
        <AddressLine1>301 E MICHIGAN ST</AddressLine1>
        <City>ORLANDO</City>
        <State>FL</State>
        <ZIPCode>32806</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>AMANDA PESINA</Name>
      <Title>ACCOUNTANT</Title>
      <Phone>4074252561</Phone>
      <DateSigned>2013-05-15</DateSigned>
    </Officer>
    <TaxYear>2012</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
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      <StateLegalDomicile>FL</StateLegalDomicile>
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      <MoreThan5000KToOrganizations>false</MoreThan5000KToOrganizations>
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        <TelephoneNumber>4074252561</TelephoneNumber>
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        <Description>US GOVERNMENT SECURITIES</Description>
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        <MethodOfValuation>F</MethodOfValuation>
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      <OtherSecurities>
        <Description>FEDERAL AGENCY SECURITIES</Description>
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        <Amount>20693322</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>CLUB ACCOUNTS</Description>
        <Amount>24964</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>SHARE MONEY MARKETS</Description>
        <Amount>13971718</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>SHARE DRAFTS</Description>
        <Amount>4021972</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>SHARE DRAFT BUSINESS</Description>
        <Amount>135656</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>CERTIFICATES OF DEPOSITS</Description>
        <Amount>12580131</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>INDIVIDUAL RETIREMENT SHARES</Description>
        <Amount>1412184</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>INDIVIDUAL RETIREMENT CERTIFICATES</Description>
        <Amount>584962</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>53424909</TotalOfAmounts>
      <TotRevenueEtcAuditedFinclStmt>4046169</TotRevenueEtcAuditedFinclStmt>
      <NetUnrealizedGainsInvestments>3854674</NetUnrealizedGainsInvestments>
      <RevenueNotRptdF990>3854674</RevenueNotRptdF990>
      <RevenueSubtotal>191495</RevenueSubtotal>
      <TotalRevenuePerForm990>191495</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>4046169</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>4046169</ExpensesSubtotal>
      <TotalExpensesPerForm990>4046169</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="RetDoc3">
      <LoanTable>
        <NamePerson>DONALD WESTBERRY</NamePerson>
        <PurposeOfLoan>NEW AUTO LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>28036</OriginalPrincipalAmount>
        <BalanceDue>28036</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>DONALD WESTBERRY</NamePerson>
        <PurposeOfLoan>PERSONAL UNSECURED</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>16014</OriginalPrincipalAmount>
        <BalanceDue>16014</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>RAYFORD BALLARD</NamePerson>
        <PurposeOfLoan>HELOC</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>99957</OriginalPrincipalAmount>
        <BalanceDue>99957</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>DENNIS WALTERS JR</NamePerson>
        <PurposeOfLoan>USED AUTO</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>20000</OriginalPrincipalAmount>
        <BalanceDue>20000</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>DENNIS WALTERS JR</NamePerson>
        <PurposeOfLoan>USED AUTO</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>7814</OriginalPrincipalAmount>
        <BalanceDue>7814</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>ANDREW MEYER</NamePerson>
        <PurposeOfLoan>USED AUTO</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>18000</OriginalPrincipalAmount>
        <BalanceDue>18000</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="RetDoc2">
      <GeneralExplanation>
        <Explanation>THE TAX FORM 990 IS COMPLETED AT YEAR END BY THE ACCOUNTING DEPARTMENT UPON COMPLETION IT IS REVIEWED BY OUR CEO FOR YEARLY CARIANCES AND ERRORS PART XI - RECONCILIATION OF NET ASSETS LINE 5 CHANGES IN NET ASSETS THE DIFFERENCE IS DUE TO UNREALIZED GAIN OR LOSS ON INVESTMENT</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>