Last Updated: 04/18/2025
USPS Federal Credit Union Regular Share Savings Account
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Minimum Opening Deposit
$10
Minimum Balance to Earn APY
$250
USPS Federal Credit Union Regular Share Savings Account Review
USPS Federal Credit Union Regular Share Savings Account is offered by USPS Federal Credit Union, a credit union founded in 1934 and based in Clinton, MD. USPS Federal Credit Union Regular Share Savings Account are available in 50 states and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.05%.
- Waivable monthly maintenance fee. $5 monthly service charge will apply if a combined minimum balance of $250 is not maintained after the first six months of membership. No minimum balance requirement for members ages 24 and under, and age 60 or older. Age exceptions are subject to change at any time.
- Small minimum initial deposit. You only need $10.00 to open an account.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
USPS Federal Credit Union Regular Share Savings Account Pros & Cons
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USPS Federal Credit Union Regular Share Savings Account FAQ
Are savings accounts from USPS Federal Credit Union federally insured?
Yes, your savings 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.
Does USPS Federal Credit Union offer a signup bonus?
USPS Federal Credit Union Regular Share Savings Account doesn't offer a signup bonus.
What is the minimum initial deposit for USPS Federal Credit Union Regular Share Savings Account?
The minimum deposit to open a USPS Federal Credit Union Regular Share Savings Account is $10.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $250.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $250.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $250.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does USPS Federal Credit Union Regular Share Savings Account offer?
USPS Federal Credit Union Regular Share Savings Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does USPS Federal Credit Union Regular Share Savings Account charge?
This account charges a monthly service fee of $5.00. However, you can waive the monthly fees if you have a minimum daily balance of $250.00. You can also waive the fee by keeping a combined balance of $250.00.
- Outgoing domestic bank transfers come with a $30.00 fee.
- An overdraft on your account will trigger a $30.00 fee per item.
- USPS Federal Credit Union Regular Share Savings Account charges $5.00 every time you request a paper statement.
Does USPS Federal Credit Union Regular Share Savings Account charge overdraft fees?
Yes, USPS Federal Credit Union Regular Share Savings Account charges a $30.00 overdraft fee. USPS Federal Credit Union Regular Share Savings Account offers overdraft protection at a cost of $2.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does USPS Federal Credit Union Regular Share Savings Account offer?
This savings account includes the following features:
- ATM reimbursement - This account provides ATM access and will reimburse you for the ATM fees charged by other networks.
- Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - USPS Federal Credit Union Regular Share Savings Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to USPS Federal Credit Union Regular Share Savings Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for USPS Federal Credit Union Regular Share Savings Account?
The customer support email for USPS Federal Credit Union Regular Share Savings 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