Credit union · NCUA insured
USPS Federal Credit Union
Top CarrotA $286.3M credit union headquartered in Clinton, MD, with 25,317 members and 5 branches in 5 states. Best rates: CDs 4.10% and savings 1.10% APY.
USPS Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#32 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USPS Federal Credit Union
Founded in 1934 to serve United States Postal Service employees, USPS Federal Credit Union is a member-owned, federally chartered financial cooperative.
The credit union operates branch locations in Maryland, Washington, D.C., North Carolina, Pennsylvania, and California.
- Headquarters
- 7905 Malcolm Rd Ste 311, Clinton, MD 20735-1730
- NCUA charter
- 16402
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of participating Select Groups (SGs), as well as family members of an employee with an account, are eligible for membership.
Military, government and schools
- Individuals employed by or retired from the United States Postal Service are eligible for membership.
Family and household
- Immediate family members (parents, grandparents, siblings, children, foster children, grandchildren, stepchildren, adopted children, co-habitants, and surviving spouses of eligible persons) of existing members in good standing, or individuals residing with a member, are eligible for membership.
Branches
5 branches in 5 states
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California
1 branch
- San Fernando444 S Brand Blvd Ste 103, San Fernando, CA 91340Directions
District of Columbia
1 branch
- L'Enfant Plaza457 Lenfant Plz SW, Washington, DC 20024Directions
Maryland
1 branch
- Capitol Heights9201 Edgeworth Dr, Capitol Heights, MD 20790Directions
North Carolina
1 branch
- Raleigh1 Floretta Pl, Raleigh, NC 27676Directions
Pennsylvania
1 branch
- Pittsburgh1001 California Ave, Pittsburgh, PA 15290Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.71% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.05% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio10.71%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.05%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of USPS Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.