U S Postal Service Federal Credit Union


Overview / Commentary
301-856-5000
7905 Malcolm Road Suite 311
Clinton, MD 20735-1730

U S Postal Service Federal Credit Union is headquartered in Clinton and is the 26th largest credit union in the state of Maryland. It is also the 1,078th largest credit union in the nation. It was established in 1934 and as of December of 2024, it had grown to 49 employees and 28,603 members at 6 locations. U S Postal Service Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in the American Consumer Council. Membership is also open to employees or retirees of the United States Postal Service or several select employee groups.
See current membership details

Reviews (1)

Unfortunate Oversight!

Posted by: |

I recently had a CD mature at U.S. Postal Service Federal Credit Union. To my shock, there is NO grace period when a CD matures. Any change made after the maturity date is subject to the early withdrawal penalty. My CD was at 3.25% and would have dropped to .45% (2 year term). I chose to withdraw the funds subject to the EWP and deposit the funds elsewhere at a higher interest rate for a shorter term. This was not "spelled out" in the maturity notice I received, however, I did find it in small print in some paperwork I received when I opened the account. I have never encountered a bank/credit union that did not have a grace period for a maturing CD. Beware!!!



Health

Health Grade Components

Overall
NCUA #16402
Year Chartered1934
Employees49
Primary Regulator
Profit Margin
Return on Assets - YTD-0.25%
Return on Equity - YTD-2.38%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$269.2MM$269.2MM
LoansQ4 2024vs Q4 2023$200.6MM$220.1MM
DepositsQ4 2024vs Q4 2023$238.5MM$225.4MM
Equity CapitalQ4 2024vs Q4 2023$28.5MM$29.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.9MM$2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.6MM$2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates

Rates for U S Postal Service Federal Credit Union are currently being reviewed.

Locations


U S Postal Service Federal Credit Union Locations
Corporate Office7905 Malcolm Rd Ste 311Clinton, MD 20735-1730
Branch Office457 Lenfant Plz SWWashington, DC 20024-2111
Branch Office1 Floretta PlRaleigh, NC 27676-9803
Branch Office1001 California AvePittsburgh, PA 15290
Branch Office444 S Brand Blvd Ste 103San Fernando, CA 91340-3625
Branch Office9201 Edgeworth DrCapitol Heights, MD 20790

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