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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 March 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: March 17, 2026
U S POSTAL SERVICE's IRA CDs 1 Year Starter Add-On rates are at 4.25%, 3 Years Add-On CD rates are at 4.15%, 1 Year Add-On CD rates are at 4.10%, 1 Year Add-On Starter CD rates are at 4.10%, IRA CDs 5 Years rates are at 3.70%. U S POSTAL SERVICE's savings rates are at 1.00%. U S POSTAL SERVICE's money market rates are at 0.10%. 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 4.61%. Rates were last updated on 03/17/2026. 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. The Bennington State Bank
Clinton 7905 Malcolm Rd Ste 311
http://www.uspsfcu.org Clinton, MD 20735 1730 
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 Credit Card Rates
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
50
Part-Time Employees
3
Branch Locations
5
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
4.61%
Return on Assets (ROA)
0.1507%
Return on Equity (ROE)
1.4063%
Non-Performing Loans Ratio (NPL)
0.74%
Total Assets
280,898,157
Total Amount of Shares and Deposits
249,455,310
Total Shares and Deposits < 1 Year
237,642,737
Total Shares and Deposits 1 3 Years
8,744,935
Total Shares and Deposits > 3 Years
3,067,638
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,984,201
Total Uninsured Shares and Deposits > $250K (F+J)
19,984,201
Total Insured Shares and Deposits > $250K (item 17 less item K)
229,471,109
Total Interest Expense (Sum of items 6 8)
2,656,377
Share Certificates
2,648
Number of Accounts for Share Drafts
12,291
IRA KEOGH Accounts
1,341
Number of Accounts for Regular Shares
27,141
All other shares
2,518
Money Market Shares
1,097
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
55,260,246
Total Liabilities
251,328,806
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About U S POSTAL SERVICEIs U S POSTAL SERVICE a safe place to deposit money?Yes, U S POSTAL SERVICE is considered a safe financial institution. With a Texas Ratio of 4.6128722988859%, 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 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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