U S Postal Service Federal Credit Union
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 1,074th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 49 employees and 28,861 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
Unfortunate Oversight!
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!!!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 16402 |
| Year Chartered | 1934 |
| Employees | 49 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.26% |
| Return on Equity - YTD | 2.51% |
| Annual Interest Income | $3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $279.6MM$273.9MM |
| Loans | Q1 2025vs Q1 2024 | $193MM$216.1MM |
| Deposits | Q1 2025vs Q1 2024 | $248.8MM$230.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $28.8MM$29.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.7MM$2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.6MM$2.3MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |