Credit union · NCUA insured
West Michigan Postal Service FCU
A $7.3M credit union headquartered in Muskegon, MI, with 811 members and 1 branch in Michigan. Best rates: CDs 3.67% and savings 0.20% APY.
West Michigan Postal Service FCU Carrot Score
74
Carrot Score
Higher than 38% of U.S. banks and credit unions
#15 of 19 in Muskegon, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About West Michigan Postal Service FCU
Chartered in 1952, West Michigan Postal Service Federal Credit Union is a member-owned financial institution based in Muskegon, Michigan.
The credit union was founded by eight postal employees for the purpose of saving themselves, co-workers, and their families money.
- Headquarters
- 800 1st St, Room 212, Muskegon, MI 49440
- NCUA charter
- 7910
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This may be incomplete or out of date, so check with the credit union before you apply.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 of this credit union are eligible for membership.
Military, government and schools
- Employees of the US Postal Service who work in Muskegon, Muskegon Heights, North Muskegon, Montague, Whitehall, Fruitport, Twin Lake, Holton, Ravenna, Ada, Grand Rapids, Spring Lake, Ferrysburg, Grand Haven, Nunica, Coopersville, Lamont, Conklin, Marne, or Allendale, Michigan are eligible for membership.
- Persons retired as pensioners or annuitants from eligible USPS employment are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership are eligible for membership.
Cost to join
- Opening a Share Savings Account with a deposit of $5.00 is required to start membership.
Branches
1 branch in Michigan
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Michigan
1 branch
- MainMain office800 1st St, Room 212, Muskegon, MI 49440Directions
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 | 13.67% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $84 | $59 | — |
- CapitalNet worth ratio13.67%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$84Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 West Michigan Postal Service FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.