U S Postal Service Federal Credit Union
Headquarters
7905 Malcolm Road, Suite 311
Clinton, MD 20735
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2024 Overview
General Credit Union Information
U S Postal Service is an NCUA insured institution located in Clinton, MD. It was founded in 1934 and has approximately $273.73 millions in assets.
Who can join?
You are eligible for membership if you are an employee or retiree of the United States Postal Service
Household Members of USPS FCU Members:
Family members of existing USPS FCU members
Spouses of persons who died while within the field of membership of this Credit Union
If your not eligible through the above two ways or as an employee of one of the union's Select Groups, you may join by becoming a member of the American Consumer Council. The American Consumer Council (ACC) is a non-profit, tax-exempt membership organization with more than 130,000 members in all 50 states.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 16402 |
| Date Established | 1934 |
| Assets | $273.73 million |
| Loans | $211.99 million |
| Deposits | $230.79 million |
| Capital | $30.60 million |
Field of Membership Restrictions
Membership is open to anyone through membership in the American Philatelic Society (membership fees vary). Membership is also open to employees or retirees of the United States Postal Service or several select employee groups.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for U S Postal Service
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
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Note to U S Postal Service
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Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for U S Postal Service
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to U S Postal Service
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are U S Postal Service branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
U S Postal Service Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 161.56 | A | View Lobby Hours | |
| 333.89 | B | View Lobby Hours |
Climate Policy and Initiatives
U S POSTAL SERVICE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
U S Postal Service Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of U S Postal Service. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| U S Postal Service | U.S. Average |
|---|---|
| 7.64% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, U S Postal Service had $2,222,350 in non-current loans and $277,493 in owned assets. To cover these potential losses it had $30,598,071 in net worth and $2,128,785 in loans loss reserves. That gives it a Texas Ratio of 7.64%.
Net Worth
| U S Postal Service | U.S. Average |
|---|---|
| 11.18% | 13.93% |
U S Postal Service FCU has a net worth of 11.18% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for U S Postal Service
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