Credit union · NCUA insured
USPS Federal Credit Union CD Rates
Top CarrotUSPS Federal Credit Union’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How USPS Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where USPS Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
USPS Federal Credit Union
3.45%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $1,848
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
USPS Federal Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where USPS Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Starter Certificate
4.10%APY · 1 term
Limit one per member. Add funds throughout the certificate term. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year Add-On. Rates set monthly. Add funds throughout the certificate term. Limit one per member. Early withdrawal penalty applies | 4.10% | — |
Share Certificates
Up to 3.45%APY · 4 terms
Rates remain constant for the entire certificate term. Dividends calculated daily and compounded/credited quarterly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRates set monthly. Penalty for early withdrawal | 3.25% | $325 |
| 24 monthsRates set monthly. Penalty for early withdrawal | 3.20% | $650 |
| 36 monthsRates set monthly. Penalty for early withdrawal | 3.35% | $1,039 |
| 60 monthsRates set monthly. Penalty for early withdrawal | 3.45% | $1,848 |
Monthly Income Share Certificate Account (MISCA)
3.30%APY · 1 term
Transfers monthly dividend payments to USPS FCU Share Savings or Checking Account as income supplement. Penalty imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months2 Year Term. Rates set monthly | 3.30% | $671 |
Money Market Add-On Certificate
3.25%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
Sources (1)
- uspsfcu.org/rates · captured Sep 25, 2026
Special-purpose accounts
IRA Certificates
Up to 3.60%APY · 3 terms
Applies to Traditional, Roth & Coverdell Education IRAs. Must have a Regular IRA Savings Account in order to open. Penalty will be imposed for early withdrawal.
| Term | APY · Up to $1,000 | APY · $250 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months1 Year Starter Add-On. Traditional, Roth & Coverdell Education. Rates set monthly. Add funds at any time throughout term up to $1,000. Limit one per member under 18 years of age. Must have a Regular IRA Savings Account to open | 4.25% | — | —4.25% $1–$1k | — |
| 12 monthsTraditional, Roth & Coverdell Education. Rates set monthly. Must have a Regular IRA Savings Account to open | — | 3.45% | 3.45% | $345 |
| 24 monthsTraditional, Roth & Coverdell Education. Rates set monthly. Must have a Regular IRA Savings Account to open | — | 3.50% | 3.50% | $712 |
| 60 monthsTraditional, Roth & Coverdell Education. Rates set monthly. Must have a Regular IRA Savings Account to open | — | 3.60% | 3.60% | $1,934 |
Sources (3)
All captured Sep 25, 2026
Young Saver’s Certificates
Up to 4.15%APY · 2 terms
Limit one per member under 18 years of age. Add funds at any time throughout certificate term. Early withdrawal penalty applies.
| Term | APY · Up to $1,000 | APY · Up to $3,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months1 Year Add-On. Rates set monthly. Add funds at any time throughout the certificate term up to $1,000. Limit one per member under 18 years of age | 4.10% | — | —4.10% $1–$1k | — |
| 36 months3 Years Add-On. Rates set monthly. Add funds at any time throughout the certificate term up to $3,000. Limit one per member under 18 years of age | — | 4.15% | —4.15% $1–$3k | — |
Who can join USPS Federal Credit Union
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.
Membership information collected October 4, 2026.