Business Details
50+ Years
experience
Your Trusted Partner for Member-First Financial Solutions
U.S. Postal Service Federal Credit Union (USPS FCU) has served members since 1934, offering low-cost financial solutions tailored to Postal Service employees and select groups. As a not-for-profit, member-owned cooperative, we prioritize competitive rates on loans, high-yield savings options, and personalized service. Our board of directors, elected by members, ensures fiscal stability while maintaining a commitment to innovation and financial education.With over 24,781 members nationwide, we uphold the credit union philosophy of 'People Helping People' through community engagement and sustainable practices. Our leadership team brings decades of postal and financial expertise to guide strategic decisions, ensuring alignment with our core values of integrity, service, and innovation.
Services
Checking Accounts
Savings Programs
Home Equity Loans
Auto Financing
Retirement Planning
Credit Cards
Online Banking
Financial Counseling
Details
- Year established: 1934
Highlights and features
- We operate as a not-for-profit financial cooperative owned by members
- Our 90+ year history serves Postal Service employees and select groups
- We offer competitive rates on home equity loans and auto financing
- Our board includes financial experts with decades of postal service experience
- We provide free financial counseling through GreenPath partnership
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great loan rates
Excellent financial counseling
Member-focused approach
Services
Home Equity Loan
Secure competitive-rate home equity loans with flexible terms. Our lending specialists help members access home equity for renovations, debt consolidation, or major purchases. Enjoy personalized guidance through the application process and benefit from our not-for-profit structure that returns value to members through favorable rates.
Financial Counseling
Access free financial counseling services through our GreenPath partnership. Certified counselors assist with debt management, budget creation, and credit improvement strategies. This member-exclusive benefit supports long-term financial independence aligned with our educational mission.
Auto Financing
Obtain low-rate auto loans for new or used vehicle purchases. Our Auto Link Car Buying Service connects members with preferred dealerships offering exclusive savings. Competitive 5.25% APR rates help members achieve vehicle ownership while maintaining financial stability.
Retirement Planning
Develop retirement strategies using traditional and Roth IRA options with competitive 4.10% APY certificates. Our financial specialists provide personalized guidance on tax-advantaged savings vehicles, helping members build secure financial futures through customized investment approaches.
People
Michael E. McCartney
Chairman
Serving since 1996 with over 30 years postal finance experience. BS in Accounting and MPA. Provides strategic leadership as board chairman, focusing on capital investment oversight and long-term financial planning.
Christina Lewis
Vice Chairman
Senior Field Accountant with postal service since 2005. BS in Business Administration from Trinity Washington University. Oversees accounting policy revisions and project management initiatives for the credit union.
Questions
Who is eligible to join USPS FCU?
Current and retired USPS employees, postal contractors, and members of select groups can join by opening a share account.
What loan products do you offer?
We provide home equity loans, auto financing, personal loans, credit cards, and student loan consolidation options with competitive rates.
Do you offer online banking services?
Yes, our 24/7 online banking portal allows account management, bill payments, mobile check deposit, and loan applications.
How can I access financial counseling?
Contact our partner GreenPath through the credit union to schedule free financial counseling sessions on debt management and budgeting.
Reviews (3)
Menbere A.
Jul 23, 2021
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I am having a problem to sign in to my online account and call them more than five times no one seems to be able to help me. I couldn't even deposit a check or see my current balance. Terrible credit union to deal with.
Laura Austin
Oct 21, 2017
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Ive been an employee and a member of the USPSFCU. It was a fantastic place to work and I still miss them everyday. I maintained my membership to take advantage of their awesome loan rates and competitive checking account. This place cannot be beat for superior member service! They truly care!
Privat Noly
Oct 10, 2017
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Terrible management and company in general.Be mindful if you ever consider joining this company.They offer terrible medical coverage.
