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iAdvertiser Disclosure
Advertiser Disclosure
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 Watertown Postal Federal Credit Union Rates & Review April 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: April 26, 2026
You can compare Watertown Postal Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 0.25% and 3-month share certificate rates at 0.15%. Savings rates are at 0.25% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.99%. All these rates can be compared to Watertown Postal Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Watertown Postal Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/26/2026. Watertown Postal Federal 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 Watertown Postal Federal Credit Union? Share your experience about Watertown Postal Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Watertown Postal Federal Credit Union. Watertown Postal Federal Credit Union
232 COMMERCE PK DR WATERTOWN NY 13601 232 COMMERCE PARK DR
https://watertownpostalfcu.org WATERTOWN, NY 13601 
Current Rate AvailabilityWe do not have Watertown Postal Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Watertown Postal Federal 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 Watertown Postal Federal 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 Watertown Postal Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Watertown Postal Federal Credit Union
Website
https://watertownpostalfcu.org
Address
232 COMMERCE PARK DR,
WATERTOWN, NY 13601
Phone
315-788-4163
Fax
315-786-1563
President
RICHARD DAVIS
CEO
KELLY DONNELLY
Full-Time Employees
0
Part-Time Employees
3
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.8275%
Return on Equity (ROE)
5.9771%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
5,919,741
Total Amount of Shares and Deposits
5,099,004
Total Shares and Deposits < 1 Year
5,099,004
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,099,004
Total Interest Expense (Sum of items 6 8)
27,950
Number of Accounts for Regular Shares
574
Net Income (unless the amount is already included in Undivided Earnings)
48,234
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
609,472
Total Liabilities
5,100,186
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Watertown Postal Federal Credit UnionIs Watertown Postal Federal Credit Union a safe place to deposit money?Yes, Watertown Postal Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Watertown Postal Federal Credit Union operate?Watertown Postal Federal 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 Watertown Postal Federal Credit Union?Yes, to access services at Watertown Postal Federal 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, Watertown Postal Federal 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, Watertown Postal Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Watertown Postal Federal Credit Union offer online and mobile banking?Most modern institutions like Watertown Postal Federal 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: https://watertownpostalfcu.org. Compare to Other Credit Unions
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