☰

Home›
Credit Unions›
Monmouth County Postal Employees Credit Union

iAdvertiser Disclosure

Monmouth County Postal Employees Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Monmouth County Postal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Monmouth County Postal Employees Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 1.65%. Savings rates are at 0.50% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Monmouth County Postal Employees Credit Union rates. MonitorBankRates evaluates the financial stability of Monmouth County Postal Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.09%. Rates were last updated on 04/23/2026.

Monmouth County Postal Employees 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 Monmouth County Postal Employees Credit Union? Share your experience about Monmouth County Postal Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Monmouth County Postal Employees Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.09%

Excellent Lower than avg

Monmouth County Postal Employees Credit Union
MCPECU

171 Broad St
Red Bank, NJ 07701 2057

https://www.monmouthpostalcu.org

Current Rate Availability

We do not have Monmouth County Postal Employees Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Monmouth County Postal Employees 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 Monmouth County Postal Employees 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 Monmouth County Postal Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Monmouth County Postal Employees Credit Union

Website https://www.monmouthpostalcu.org

Address 171 Broad St, Red Bank, NJ 07701 2057

Phone 732-219-0009

Fax 732-219-5269

President Eileen Rubano

CEO Catherine Costa

Full-Time Employees 2

Part-Time Employees 1

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+ (100/100)

Texas Ratio

0.09%

Return on Assets (ROA)

0.0428%

Return on Equity (ROE)

0.2105%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

22,410,887

Total Amount of Shares and Deposits

17,869,386

Total Shares and Deposits < 1 Year

17,869,386

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

552,987

Total Uninsured Shares and Deposits > $250K (F+J)

552,987

Total Insured Shares and Deposits > $250K (item 17 less item K)

17,316,399

Total Interest Expense (Sum of items 6 8)

188,366

Share Certificates

168

Number of Accounts for Share Drafts

227

Number of Accounts for Regular Shares

1,026

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

9,581

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

874,228

Total Liabilities

17,864,162

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Monmouth County Postal Employees Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Monmouth County Postal Employees Credit Union

Frequently Asked Questions About Monmouth County Postal Employees Credit Union

Is Monmouth County Postal Employees Credit Union a safe place to deposit money?

Yes, Monmouth County Postal Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 0.091363722736694%, the institution's financial health is rated as excellent. 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 Monmouth County Postal Employees Credit Union operate?

Monmouth County Postal Employees 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 Monmouth County Postal Employees Credit Union?

Yes, to access services at Monmouth County Postal Employees 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, Monmouth County Postal Employees 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, Monmouth County Postal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Monmouth County Postal Employees Credit Union offer online and mobile banking?

Most modern institutions like Monmouth County Postal Employees 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://www.monmouthpostalcu.org.