Last Updated: 01/21/2026
USPS Federal Credit Union Interest Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Monthly Service Fee
$5(Verified 01/21/2026)
USPS Federal Credit Union Interest Checking Account Review
The USPS Federal Credit Union Interest Checking Account is offered by USPS Federal Credit Union, a credit union founded in 1934 and based in Clinton, MD. USPS Federal Credit Union Interest Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- Waivable monthly maintenance fee. No monthly service charges on average monthly balances of $250*. Accounts that average less than $250 will be subject to a $5 monthly fee. No minimum balance requirement for members under age 24 and over age 59.
- $250 minimum opening deposit. This is a typical minimum initial deposit.
USPS Federal Credit Union Interest Checking Account Pros & Cons
| Pros | Cons |
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USPS Federal Credit Union Interest Checking Account FAQ
Are checking accounts from USPS Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does USPS Federal Credit Union Interest Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
USPS Federal Credit Union Interest Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $0.01.
What are the account minimums for USPS Federal Credit Union Interest Checking Account?
USPS Federal Credit Union Interest Checking Account requires a minimum initial deposit of $250.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $250 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $250 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does USPS Federal Credit Union Interest Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $5.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | No monthly service charges on average monthly balances of $250*. Accounts that average less than $250 will be subject to a $5 monthly fee. No minimum balance requirement for members under age 24 and over age 59. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USPS Federal Credit Union Interest Checking Account charge overdraft fees?
Yes, USPS Federal Credit Union Interest Checking Account charges a $30.00 fee for every overdraft.What features and perks does USPS Federal Credit Union Interest Checking Account offer?
This account includes the following features:
- Mobile Banking Services - USPS Federal Credit Union Interest Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for USPS Federal Credit Union Interest Checking Account?
The customer support email for USPS Federal Credit Union Interest Checking Account is uspsfcu@uspsfcu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 2:30PM
Tuesday
8:30AM - 2:30PM
Wednesday
8:30AM - 2:30PM
Thursday
8:30AM - 2:30PM
Friday
8:30AM - 2:30PM
Saturday
Closed
Other Services by USPS Federal Credit Union
Other Checking Accounts from USPS Federal Credit Union
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Service Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10%
Disclaimer popup with additional information
Monthly Service Fee
$10
Disclaimer popup with additional information
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