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Advertiser Disclosure
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WEST MICHIGAN POSTAL SERVICE Rates & Review September 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: 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. 
WEST MICHIGAN POSTAL SERVICE CD Rates
WEST MICHIGAN POSTAL SERVICE Savings Rates
WEST MICHIGAN POSTAL SERVICE Auto Loan Rates
WEST MICHIGAN POSTAL SERVICE RV, Boat and Powersport Loan Rates
WEST MICHIGAN POSTAL SERVICE Credit Card Rates
Financial Health HistoryWEST 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. 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 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
FinancialsMonitorBankRates 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
Customer Reviews
There are no reviews for WEST MICHIGAN POSTAL SERVICE 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 WEST MICHIGAN POSTAL SERVICE
Frequently Asked Questions About WEST MICHIGAN POSTAL SERVICEHow 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
Retrieved from our database of financial products. Rates subject to change.
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