Last Updated: 01/21/2026
USPS Federal Credit Union Money Market Checking Account
Unaffiliated
Last Updated: 01/21/2026
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Checking Accounts
Filter & compare all your options in one place.
Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10%(Verified 06/21/2024)
Monthly Service Fee
$10(Verified 01/21/2026)
USPS Federal Credit Union Money Market Checking Account Review
The USPS Federal Credit Union Money Market Checking Account is offered by USPS Federal Credit Union, a credit union founded in 1934 and based in Clinton, MD. USPS Federal Credit Union Money Market 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 0.10% .
- Waivable monthly maintenance fee. No monthly service charge if minimum daily balance of $2,000 is maintained each month. If the balance drops below $2,000 at any time during the month, a service charge of $10 will be assessed.
- No minimum initial deposit. There is no minimum balance required to open an account online.
USPS Federal Credit Union Money Market Checking Account Pros & Cons
| Pros | Cons |
|
|
USPS Federal Credit Union Money Market 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 Money Market Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.10% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
USPS Federal Credit Union Money Market Checking Account offers an APY of 0.10% (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 Money Market Checking Account?
USPS Federal Credit Union Money Market Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $2,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does USPS Federal Credit Union Money Market Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $10.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USPS Federal Credit Union Money Market Checking Account charge overdraft fees?
Yes, USPS Federal Credit Union Money Market Checking Account charges a $30.00 fee for every overdraft.What features and perks does USPS Federal Credit Union Money Market Checking Account offer?
This account includes the following features:
- Mobile Banking Services - USPS Federal Credit Union Money Market 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 Money Market Checking Account?
The customer support email for USPS Federal Credit Union Money Market Checking Account is uspsfcu@uspsfcu.org.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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