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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.
U S POSTAL SERVICE Rates & Review October 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 10, 2026
U S POSTAL SERVICE's top rates as of October 10, 2026 are 4.25% APY on its IRA CD - 1 Year Starter Add-On, 3.30% APY on savings, 0.10% APY on money market accounts, 0.05% APY on checking, personal loans from 9.99% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other U S POSTAL SERVICE CD rates include 3 Years Add-On CD at 4.15%, 1 Year Add-On CD at 4.10%, and Starter CD - 1 Year Add-On at 4.10%. MonitorBankRates evaluates the financial stability of U S POSTAL SERVICE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.33%. Rates last updated and verified on 10/10/2026. U S 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 U S POSTAL SERVICE? Share your experience about U S POSTAL SERVICE by leaving a review below, or read customer reviews before you decide to use U S POSTAL SERVICE. 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 CD Rates
U S POSTAL SERVICE Savings Rates
U S POSTAL SERVICE Money Market Rates
U S POSTAL SERVICE Checking Rates
U S POSTAL SERVICE Home Equity & HELOC
U S POSTAL SERVICE Auto Loan Rates
U S POSTAL SERVICE RV, Boat and Powersport Loan Rates
U S POSTAL SERVICE Student Loan Rates
U S POSTAL SERVICE Credit Card Rates
U S POSTAL SERVICE Personal Loan Rates
U S POSTAL SERVICE Other Rates
Financial Health HistoryU S POSTAL SERVICE’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 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
U S POSTAL SERVICE
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 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
Frequently Asked Questions About U S POSTAL SERVICEHow many branches does U S POSTAL SERVICE operate?U S 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 U S POSTAL SERVICE?Yes, to access services at U S 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, U S 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, U S POSTAL SERVICE provides members with tools to manage their accounts and build a solid financial history. Does U S POSTAL SERVICE offer online and mobile banking?Most modern institutions like U S 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.uspsfcu.org. Current U S POSTAL SERVICE Rates
Retrieved from our database of financial products. Rates subject to change.
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