Credit union · NCUA insured
USPS Federal Credit Union Savings Rates
Top CarrotUSPS Federal Credit Union’s best savings rate is 1.10% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How USPS Federal Credit Union’s savings 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
1.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $110
Money Market Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
USPS Federal Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
Up to 1.10%APY
Earn more on higher balances. Dividends are compounded and credited monthly; dividend period is monthly. Calculated from day of deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upTier 1 | 1.05% | $105 | Tier 1 |
| $10,000 and upTier 2 | 1.10% | $110 | Tier 2 |
| $25,000 and upTier 3 | 1.20% | — | Tier 3 |
| $50,000 and upTier 4 | 1.30% | — | Tier 4 |
| $75,000 and upTier 5 | 1.40% | — | Tier 5 |
| $100,000 and upTier 6 | 1.50% | — | Tier 6 |
Sources (3)
All captured Sep 25, 2026
Regular Share Savings
0.05%APY
$5 of $10 opening cost is deposited into share account, $5 covers membership fee. A Regular Share Account is required to maintain membership.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $250 and upRates set quarterly; term daily. $10 monthly service charge applies if combined minimum balance of $250 is not maintained after first six months of membership. · Unknown to open | 0.05% | Unknown | $5 | Rates set quarterly; term daily. $10 monthly service charge applies if combined minimum balance of $250 is not maintained after first six months of membership. |
| Over $2,000Rates set quarterly; term daily. · $5 to open | 0.05% | $5 | $5 | Rates set quarterly; term daily. |
| Over $10,000Rates set quarterly; term daily. · $5 to open | 0.05% | $5 | — | Rates set quarterly; term daily. |
Special-purpose accounts
IRA Savings
Up to 1.10%APY
Available as Traditional IRA or Roth IRA. Early withdrawal penalty may be imposed. Relationship Rewards members earn more (1.10% APY).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRelationship Rewards rate. Terms: Daily. Rates Set: Quarterly. Early withdrawal penalty may apply.Any balance | 1.10% | $110 | Relationship Rewards rate. Terms: Daily. Rates Set: Quarterly. Early withdrawal penalty may apply. |
| Any balanceStandard rate. Terms: Daily. Rates Set: Quarterly. Early withdrawal penalty may apply.Any balance | 1.00% | $100 | Standard rate. Terms: Daily. Rates Set: Quarterly. Early withdrawal penalty may apply. |
Sources (1)
- uspsfcu.org/rates · captured Sep 19, 2026
Christmas Club Account
0.50%APY
Save each pay period, credited and compounded quarterly. Deposits can be made by mail, in person, or via Direct Deposit / Payroll Allotment (minimum deposit as little as $5 bi-weekly). An $10 fee will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upRates set quarterly; term daily. $10 fee imposed for early withdrawal.$250 and up | 0.50% | $50 | Rates set quarterly; term daily. $10 fee imposed for early withdrawal. |
Tax Club Account
0.50%APY
Deposits can be made by mail, in person, or via Direct Deposit / Payroll Allotment (minimum deposit as little as $5 bi-weekly). An $10 fee will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upRates set quarterly; term daily. $10 fee imposed for early withdrawal.$250 and up | 0.50% | $50 | Rates set quarterly; term daily. $10 fee imposed for early withdrawal. |
Vacation Club Account
0.50%APY
Funds ready in mid-May for vacation plans. Deposits can be made by mail, in person, or via Direct Deposit / Payroll Allotment (minimum deposit as little as $5 bi-weekly). An $10 fee will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upRates set quarterly; term daily. $10 fee imposed for early withdrawal.$250 and up | 0.50% | $50 | Rates set quarterly; term daily. $10 fee imposed for early withdrawal. |
Special Purpose Club Account
0.05%APY
Funds may be withdrawn upon request. Deposits can be made by mail, in person, or via Direct Deposit / Payroll Allotment.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upRates set quarterly; term daily. $10 monthly service charge applies if combined minimum balance of $250 is not maintained after first six months of membership. | 0.05% | $5 | Rates set quarterly; term daily. $10 monthly service charge applies if combined minimum balance of $250 is not maintained after first six months of membership. |
| Over $2,000Rates set quarterly; term daily. | 0.05% | $5 | Rates set quarterly; term daily. |
| Over $10,000Rates set quarterly; term daily. | 0.05% | — | Rates set quarterly; term daily. |
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.