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Credit union · NCUA insured

USPS Federal Credit Union Credit Card Rates

Top Carrot, Carrot Score 87Top Carrot

USPS Federal Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.

How USPS Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Washington, DC-VA-MD-WV, where USPS Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 87

    This credit union’s lowest

    USPS Federal Credit Union

    11.74%APR

    Up to
    21.75% APR

    VISA Platinum Rewards

  • Top Carrot, Carrot Score 88

    Lowest rate

    American Broadcast Employees FCU

    6.99%APR

    Up to
    —

    American Broadcast Employees FCU rates

  • Top Carrot, Carrot Score 94

    2nd-lowest rate

    IDB Global Federal Credit Union

    7.00%APR

    Up to
    18.00% APR

    IDB Global Federal Credit Union rates

Compare credit card rates near you →

USPS Federal Credit Union credit card score

75

Credit card score

Higher than 38% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR11.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where USPS Federal Credit Union ranks

By credit card score, in each area where it has branches

And 3 more areas →

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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.

Check membership requirements ↗Branches and institution details
← USPS Federal Credit Union overview