MonitorBankRates
☰
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
  1. Home›
  2. Credit Unions›
  3. WEST MICHIGAN POSTAL SERVICE
iAdvertiser Disclosure
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.

WEST MICHIGAN POSTAL SERVICE Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: September 22, 2026

WEST MICHIGAN POSTAL SERVICE's 12 Month CDs of Deposit rates are at 3.67%, 60 Month CDs of Deposit rates are at 3.43%, 36 Month CDs of Deposit rates are at 3.42%, 9 Month CDs of Deposit rates are at 3.37%, 24 Month CDs of Deposit rates are at 3.35%. WEST MICHIGAN POSTAL SERVICE's savings rates are at 0.15%. WEST MICHIGAN POSTAL SERVICE's Auto Loan Rates are as low as 4.44%. WEST MICHIGAN POSTAL SERVICE's Credit Card Rates are at 8.00%. MonitorBankRates evaluates the financial stability of WEST MICHIGAN POSTAL SERVICE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.84%. Rates last updated and verified on 09/22/2026.

WEST MICHIGAN POSTAL SERVICE 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 WEST MICHIGAN POSTAL SERVICE? Share your experience about WEST MICHIGAN POSTAL SERVICE by leaving a review below, or read customer reviews before you decide to use WEST MICHIGAN POSTAL SERVICE.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.84%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
WEST MICHIGAN POSTAL SERVICE
Main
800 1st St
Muskegon, MI 49440
http://www.wmpsfcu.com
Member NCUA

WEST MICHIGAN POSTAL SERVICE CD Rates

Product Rate APY Term View More
12 Month Share Certificates of Deposit - 3.67% 12 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
60 Month Share Certificates of Deposit - 3.43% 60 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
36 Month Share Certificates of Deposit - 3.42% 36 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
9 Month Share Certificates of Deposit - 3.37% 9 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
24 Month Share Certificates of Deposit - 3.35% 24 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
6 Month Share Certificates of Deposit - 3.06% 6 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
3 Month Share Certificates of Deposit - 1.11% 3 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%

WEST MICHIGAN POSTAL SERVICE Savings Rates

Product Rate APY View More
Share Savings - 0.30%
Min Balance $55,000
Details Balance: $55,000.01+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Share Savings - 0.25%
Min Balance $25,000
Details Balance: $25,000.01 - $55,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Share Savings - 0.20%
Min Balance $5,000
Details Balance: $5,000.01 - $25,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Share Savings - 0.15%
Min Balance $250
Details Balance: $250.01 - $5,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%

WEST MICHIGAN POSTAL SERVICE Auto Loan Rates

Product Rate Points APR Term View More
Automobiles, Trucks and Vans - 2023 and Newer - - 4.44% 25 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2023 and Newer - - 4.64% 37 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2022-2018 - - 4.94% 25 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2023 and Newer - - 4.94% 42 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2022-2018 - - 5.14% 37 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2023 and Newer - - 5.14% 61 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2022-2018 - - 5.34% 42 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2017 and Older - - 5.44% 25 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2023 and Newer - - 5.44% 72 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2022-2018 - - 5.54% 61 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2022-2018 - - 5.74% 72 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2023 and Newer - - 5.74% 84 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2017 and Older - - 5.94% 37 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2017 and Older - - 6.44% 42 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Automobiles, Trucks and Vans - 2017 and Older - - 6.94% 61 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%

WEST MICHIGAN POSTAL SERVICE RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV's and Boats - 2021 & Newer Loan - 5.64% 36 Months
Details Retail value: Under $7,499
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2021 & Newer Loan - 5.94% 48 months
Details Retail value: Under $7,499
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2020 & Older Loan - 6.14% 36 Months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2021 & Newer Loan - 6.14% 61 months
Details Retail value: $7,500 to $14,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2020 & Older Loan - 6.34% 48 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 6.44% 25 Months
Details Year: 2023 and Newer
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2021 & Newer Loan - 6.44% 73 months
Details Retail value: $15,000 to $24,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 6.64% 37 months
Details Year: 2023 and Newer
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 6.94% 61 months
Details Year: 2023 and Newer
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 6.94% 25 Months
Details Year: 2022 and Older
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2020 & Older Loan - 6.94% 61 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2021 & Newer Loan - 6.94% 84 months
Details Retail value: $25,000 +
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 7.14% 72 months
Details Year: 2023 and Newer
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 7.14% 37 months
Details Year: 2022 and Older
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2020 & Older Loan - 7.14% 73 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 7.44% 84 months
Details Year: 2023 and Newer
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 7.44% 61 months
Details Year: 2022 and Older
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
RV's and Boats - 2020 & Older Loan - 7.44% 84 months
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Motorcycles Loan - 7.94% 72 months
Details Year: 2022 and Older
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%

WEST MICHIGAN POSTAL SERVICE Credit Card Rates

Product Rate APR View More
Visa Cards - 8.00%
Details No annual fee; Fixed rates; Same low rate on Cash Advances and purchases; No hidden fees; No Cash Advance or Balance Transfer Fees; Zero liability on unauthorized transactions; Credit lines up to $8,000; Rewards with our ScoreCard Rewards program
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.84%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

WEST MICHIGAN POSTAL SERVICE’s Texas Ratio rose from 3.20% in Q2 2023 to 3.84% in Q1 2026, so its financial health has stayed 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.20% A+ Q2 2023 A Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 3.84% A+ Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$7M3.84%5.0A+
December 31, 2025$7M4.32%5.0A+
September 30, 2025$7M7.94%5.0A
June 30, 2025$7M3.79%5.0A+
March 31, 2025$7M1.78%5.0A+
December 31, 2024$7M2.64%5.0A+
September 30, 2024$7M9.95%5.0A
June 30, 2024$7M5.19%5.0A+
March 31, 2024$7M4.40%5.0A+
December 31, 2023$7M7.31%5.0A
September 30, 2023$7M7.81%5.0A
June 30, 2023$7M3.20%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for WEST MICHIGAN POSTAL SERVICE 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 WEST MICHIGAN POSTAL SERVICE 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 WEST MICHIGAN POSTAL SERVICE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WEST MICHIGAN POSTAL SERVICE
Website http://www.wmpsfcu.com
Address 800 1st St, Muskegon, MI 49440
Phone 231-722-3921
Fax 231-728-0246
President Alan Leonard
CEO Damian Sternberg
Full-Time Employees 2
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.84%
Return on Assets (ROA)
0.1573%
Return on Equity (ROE)
1.2345%
Non-Performing Loans Ratio (NPL)
0.78%
Total Assets
7,296,002
Total Amount of Shares and Deposits
6,291,273
Total Shares and Deposits < 1 Year
5,010,164
Total Shares and Deposits 1 3 Years
638,800
Total Shares and Deposits > 3 Years
642,309
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,291,273
Total Interest Expense (Sum of items 6 8)
25,935
Share Certificates
102
Number of Accounts for Share Drafts
305
Number of Accounts for Regular Shares
926
Net Income (unless the amount is already included in Undivided Earnings)
11,479
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)
822,873
Total Liabilities
6,366,121
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

WEST MICHIGAN POSTAL SERVICE earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/west-michigan-postal-service-rates-review-7910">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for WEST MICHIGAN POSTAL SERVICE yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for WEST MICHIGAN POSTAL SERVICE
Your Name:
Your Rating:

Frequently Asked Questions About WEST MICHIGAN POSTAL SERVICE

How many branches does WEST MICHIGAN POSTAL SERVICE operate?

WEST MICHIGAN POSTAL SERVICE 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 WEST MICHIGAN POSTAL SERVICE?

Yes, to access services at WEST MICHIGAN POSTAL SERVICE, 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, WEST MICHIGAN POSTAL SERVICE 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, WEST MICHIGAN POSTAL SERVICE provides members with tools to manage their accounts and build a solid financial history.

Does WEST MICHIGAN POSTAL SERVICE offer online and mobile banking?

Most modern institutions like WEST MICHIGAN POSTAL SERVICE 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.wmpsfcu.com.

Current WEST MICHIGAN POSTAL SERVICE Rates

  • 12-Month CD3.67%
  • 24-Month CD3.35%
  • 60-Month CD3.43%
  • Savings0.15%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

PrimeWay Federal Credit Union One Credit Union Barksdale Federal Credit Union Internationalites Federal Credit Union Priority One Credit Union South Pasadena, CA CUSA Federal Credit Union Provident Federal Credit Union Schlumberger Employees Credit Union EMERALD COAST Amarillo Postal Employees Credit Union Success Federal Credit Union Business And Industrial Federal Credit Union Desert Rivers Federal Credit Union Certified Federal Credit Union Nova UA Federal Credit Union Indiana University Credit Union Berrien Teachers Federal Credit Union ANCO Community Credit Union Dade County Federal Credit Union Island Federal Credit Union Kyger Creek Credit Union