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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
U S Postal Service Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
U S Postal Service Credit Union's CDs - 5 Years rates are at 3.45%, CDs - 3 Years rates are at 3.35%, 2 Year MISCA CD rates are at 3.30%, CDs - 1 Year rates are at 3.25%, CDs - 2 Years rates are at 3.20%. U S Postal Service Credit Union's savings rates are at 1.50%. U S Postal Service Credit Union's money market rates are at 0.10%. U S Postal Service Credit Union's checking rates are as high as 0.05%. U S Postal Service Credit Union's Student Loan Rates are as low as 5.99%. U S Postal Service Credit Union's Credit Card Rates are at 11.74%. U S Postal Service Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of U S Postal Service Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.33%. Rates last updated and verified on 10/30/2026. U S Postal Service Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at U S Postal Service Credit Union? Share your experience about U S Postal Service Credit Union by leaving a review below, or read customer reviews before you decide to use U S Postal Service Credit Union. U S Postal Service Credit Union
Clinton 7905 Malcolm Rd Ste 311
http://www.uspsfcu.org Clinton, MD 20735-1730  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. U S Postal Service Credit Union CD Rates
U S Postal Service Credit Union Savings Rates
U S Postal Service Credit Union Money Market Rates
U S Postal Service Credit Union Checking Rates
U S Postal Service Credit Union Home Equity & HELOC
U S Postal Service Credit Union Auto Loan Rates
U S Postal Service Credit Union RV, Boat and Powersport Loan Rates
U S Postal Service Credit Union Credit Card Rates
U S Postal Service Credit Union Personal Loan Rates
U S Postal Service Credit Union Other Rates
Financial Health HistoryU S Postal Service Credit Union’s Texas Ratio fell from 5.86% in Q3 2023 to 4.33% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for U S Postal Service Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather U S Postal Service Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with U S Postal Service Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
U S Postal Service Credit Union
Website
http://www.uspsfcu.org
Address
7905 Malcolm Rd Ste 311,
Clinton, MD 20735-1730
Phone
301-856-5000
Fax
301-856-4061
President
Michael McCartney
CEO
Steven Cimino
Full-Time Employees
48
Part-Time Employees
4
Branch Locations
6
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.33%
Return on Assets (ROA)
0.0244%
Return on Equity (ROE)
0.2282%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
280,261,040
Total Amount of Shares and Deposits
249,744,915
Total Shares and Deposits < 1 Year
236,967,743
Total Shares and Deposits 1 3 Years
8,649,798
Total Shares and Deposits > 3 Years
4,127,374
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,888,673
Total Uninsured Shares and Deposits > $250K (F+J)
22,888,673
Total Insured Shares and Deposits > $250K (item 17 less item K)
226,856,242
Total Interest Expense (Sum of items 6 8)
1,655,939
Share Certificates
2,425
Number of Accounts for Share Drafts
12,335
IRA KEOGH Accounts
482
Number of Accounts for Regular Shares
27,430
Money Market Shares
1,094
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
29,411,911
Total Liabilities
251,345,455
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for U S Postal Service Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for U S Postal Service Credit Union
Frequently Asked Questions About U S Postal Service Credit UnionDoes U S Postal Service Credit Union offer CDs?Yes. U S Postal Service Credit Union current CD rates include its CDs - 5 Years at 3.45% APY, its CDs - 3 Years at 3.35% APY and its 2 Year MISCA CD at 3.30% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from U S Postal Service Credit Union NCUA insured?Yes. U S Postal Service Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at U S Postal Service Credit Union?The highest U S Postal Service Credit Union CD rate is its Young Saver's CDs - 3 Years Add-On at 4.15% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does U S Postal Service Credit Union offer?U S Postal Service Credit Union CD rates are 3.25% APY for a 12 month CD, 3.30% APY for a 2 year CD, 3.35% APY for a 3 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with U S Postal Service Credit Union for its full lineup. What is the highest money market rate at U S Postal Service Credit Union?The highest U S Postal Service Credit Union money market rate is its Money Market Add-On CD - 6 month (182 Days) at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at U S Postal Service Credit Union?The highest U S Postal Service Credit Union checking rate is its Money Market Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at U S Postal Service Credit Union?The lowest U S Postal Service Credit Union auto loan rate is its Vehicle Loan - 36 Month Term at 3.75% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at U S Postal Service Credit Union?The lowest U S Postal Service Credit Union personal loan rate is its Education Personal Loan at 5.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at U S Postal Service Credit Union?The lowest U S Postal Service Credit Union credit card APR is its VISA Platinum Non-Rewards Credit Card at 11.74% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does U S Postal Service Credit Union operate?U S Postal Service Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join U S Postal Service Credit Union?Yes, to access services at U S Postal Service Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, U S Postal Service Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, U S Postal Service Credit Union provides members with tools to manage their accounts and build a solid financial history. Does U S Postal Service Credit Union offer online and mobile banking?Most modern institutions like U S Postal Service Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.uspsfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do U S Postal Service Credit Union rates compare?U S Postal Service Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. U S Postal Service Credit Union's top rates are its Young Saver's CDs - 3 Years Add-On at 4.15% APY, its Money Market Savings at 1.50% APY, its Money Market Checking at 0.10% APY, its Interest Checking at 0.05% APY, its Education Personal Loan at 5.99% APR and its VISA Platinum Non-Rewards Credit Card at 11.74% APR, verified by MonitorBankRates on October 30, 2026. Current U S Postal Service Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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