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U S Postal Service Federal Credit Union

Popular Accounts at this Credit Union

1.40%1-year CD12 Month CD
1.75%5-year IRA60 Month IRA (Traditional, Roth, CESA)
0.75%2-year IRA24 Month IRA (Traditional, Roth, CESA)

Overview / Commentary
7905 Malcolm Road Suite 311
Clinton, MD 20735

U S Postal Service Federal Credit Union is headquartered in Clinton and is the 25th largest credit union in the state of Maryland. It is also the 985th largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 54 employees and 22,666 members at 7 locations. U S Postal Service Federal Credit Union's CD rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in the American Philatelic Society (membership fees vary). Membership is also open to employees or retirees of the United States Postal Service or several select employee groups.
See current membership details

Related Posts

US Postal Service FCU Has 12-month e-Certificate - 4/10/2017

U S Postal Service FCU (easy membership) is offering 12-month Certificate (1.40% APY) and 12-month e-Certificate (1.45% APY). Minimum deposit is $250.

Reviews (2)

the postal credit union is not great

Posted by: Featureve | Aug 25, 2017

I worked for the post office for a while so I was able to join the postal credit union. I didn't like it for a number of reasons. The hours of operation were very limited, and you would think they would take into consideration the typical hours a postal employee would work and stay open a little past those hours but they don't. Also, the fees for making a mistake were ridiculous. $35 over draft fees are a bit much, and they would charge that every time a check was presented for payment. Then if you tried to talk to them about it they would basically say well that is your fault sorry about your luck. All the employees seemed to be a little snobbish too. Could have just been the branch i went to though.

Worst Credit Union Ever!

They offer their members terrible rates at more than double any other bank's rates...insanely complicated loan applications...no available branches that will deal in cash transactions so if you want to make a cash deposit, or take out cash, you can't. You need to purchase a money order to make a deposit! Ridiculous!...Savings accounts that are useless unless you can keep more than 300 in it or they charge you 10.00 a mo. but yet they make you have one when you open a checking acct....Their electronic deposits are a joke since they still make you mail in the paper copy and if they don't get it, they take the money back out of your acct and charge you fees, so what is the point of having electronic deposits? Their not opened after 5pm and on weekends so if you need help with your acct...too bad...I could go on and on and on.


Health Grade Components

NCUA #16402
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD1.99%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$217.0MM$206.4MM
LoansQ2 2017vs Q2 2016$110.8MM$108.6MM
DepositsQ2 2017vs Q2 2016$190.8MM$181.1MM
Equity CapitalQ2 2017vs Q2 2016$24.4MM$24.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$2.3MM$2.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.1MM$2.0MM
Real Estate OwnedQ2 2017vs Q2 2016$149.00K$159.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

U S Postal Service Federal Credit Union Savings Account Rates

1.41%--Regular IRA Savings - Relationship Rewards
1.25%--Regular IRA Savings
0.20%$250-Other Club Accounts
0.20%*$10k*-Regular Share Savings - Relationship Rewards
OTHER TIERS: 0.10% $250 - $2k | 0.15% $2k - $10k
0.15%*$10k*-Regular Share Savings
OTHER TIERS: 0.05% $250 - $2k | 0.10% $2k - $10k
0.15%*$10k*-Trust Savings
OTHER TIERS: 0.05% $250 - $2k | 0.10% $2k - $10k
0.15%*$10k*-Special Club Account
OTHER TIERS: 0.05% $250 - $2k | 0.10% $2k - $10k

U S Postal Service Federal Credit Union Money Market Rates

0.50%*$25k*-Money Market Savings Account - Relationship Rewards
OTHER TIERS: 0.25% $5k - $10k | 0.30% $10k - $25k
0.45%*$25k*-Money Market Savings Account
OTHER TIERS: 0.20% $5k - $10k | 0.25% $10k - $25k
0.20%$2k-Money Market Checking Account - Relationship Rewards
0.15%$2k-Money Market Checking Account

U S Postal Service Federal Credit Union Checking Account Rates

0.15%$250-Interest Checking - Relationship Rewards
0.10%$250-Interest Checking

U S Postal Service Federal Credit Union CD Rates

3.00%-$1k36 Month Young Savers CD
1.99%-$1k12 Month Starter CD
1.45%$250-12 Month e-Certificate
1.40%$250-12 Month CD
1.30%$250-60 Month e-Certificate
1.25%$250-60 Month CD
1.05%$250-48 Month e-Certificate
1.00%-$1k12 Months Young Savers CD
1.00%$250-48 Month CD
0.80%$250-36 Month e-Certificate
0.75%$250-36 Month CD
0.70%$10k-24 Month e-MISCA
0.65%$10k-24 Month MISCA
0.60%$250-24 Month e-Certificate
0.55%$250-24 Month CD
0.30%$5k-26 Week e-Money Market Certificate
0.25%$5k-26 Week Money Market Certificate
0.25%$250-6 Month e-Certificate
0.20%$250-6 Month CD

U S Postal Service Federal Credit Union IRA Rates

1.99%-$1k12 Month Starter IRA
1.75%$250-60 Month IRA
0.75%$250-24 Month IRA
0.45%$250-12 Month IRA

U S Postal Service Federal Credit Union Locations
Branch Office10919 Sepulveda BlvdMission Hills, CA 91346
Branch Office117 N Macneil StSan Fernando, CA 91340-2911
Branch Office457 Lenfant Plz SWWashington, DC 20024-2111
Branch Office7905 Malcolm Rd Ste 311Clinton, MD 20735-1730
Branch Office9201 Edgeworth DrCapitol Heights, MD 20790
Branch Office1 Floretta PlRaleigh, NC 27676-9803
Branch Office1001 California AvePittsburgh, PA 15290