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U S Postal Service Federal Credit Union

Popular Accounts at this Credit Union

1.25%5-year CD60 Month CD
0.30%1-year CD12 Month CD
0.15%SavingsTrust Savings

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

U S Postal Service Federal Credit Union is headquartered in Clinton and is the 24th largest credit union in the state of Maryland. It is also the 984th largest credit union in the nation. It was established in 1934 and as of December of 2016, it had grown to 54 employees and 22,468 members at 7 locations. U S Postal Service Federal Credit Union's CD rates are 2X the national average, and it has 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

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Reviews (1)

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 - YTD0.19%
Return on Equity - YTD1.65%
Annual Interest Income$6.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$209.6MM$204.9MM
LoansQ4 2016vs Q4 2015$109.3MM$106.0MM
DepositsQ4 2016vs Q4 2015$184.0MM$180.3MM
Equity CapitalQ4 2016vs Q4 2015$24.1MM$23.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.6MM$2.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.0MM$2.7MM
Real Estate OwnedQ4 2016vs Q4 2015$0$640.00K
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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%--Education IRA Savings - Relationship Rewards
1.41%--Regular IRA Savings - Relationship Rewards
1.41%--Roth IRA Savings - Relationship Rewards
1.25%--Regular IRA Savings
1.25%--Education IRA Savings
1.25%--Roth 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

0.30%*$75k*-Money Market Savings Account - Relationship Rewards
OTHER TIERS: 0.10% $5k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k
0.25%*$75k*-Money Market Savings Account
OTHER TIERS: 0.05% $5k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k
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
1.30%$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
0.35%$250-12 Month e-Certificate
0.30%$250-12 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

2.25%$250-60 Month IRA
1.99%-$1k12 Month Starter IRA
1.75%$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