Share Certificates

Top earnings for your dollars can be had with our Money Market Certificate Account (MMCA). This certificate earns a premium market rate.

• Minimum MMCA deposit is $5,000.
• Full term is 6 Months (182 days).
• Add-On feature allows you to deposit additional funds through the certificate term.

• $1 Minimum Balance
• $1,000 Maximum Balance
• Rates Set: Monthly
• Add funds throughout the certificate term.
• A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
• Limit One Per Member.

• $1 Minimum Balance$1,000 Maximum Balance
  Rates Set: Monthly
  Add funds at any time throughout the certificate term up to $1,000.
  A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
  Limit One Per Member Under 18 Years of Age.
• $1 Minimum Balance
  $3,000 Maximum Balance
  Rates Set: Monthly
  Add funds at any time throughout the certificate term up to $3,000.
  A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
  Limit One Per Member Under 18 Years of Age

• Traditional, Roth & Coverdell Education
  $250 Minimum Balance
  Rates Set: Monthly
  A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.
• Traditional, Roth & Coverdell Education
  $1 Minimum Balance
  $1,000 Maximum Balance
  Rates Set: Monthly
  Add funds at any time throughout the certificate term up to $1,000.
  A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.
  Limit One Per Member Under 18 Years of Age.
• Traditional, Roth & Coverdell Education
  $250 Minimum Balance
  Rates Set: Monthly
  A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.
•  Traditional, Roth & Coverdell Education
  $250 Minimum Balance
  Rates Set: Monthly
  A penalty will be imposed for early withdrawal, which will reduce the earnings on the account. Must have a Regular IRA Savings Account in order to open.

• $5,000 Minimum Deposit,
  $500,000 Maximum Deposit
  Rates Set: Monthly
• A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
• Add funds throughout the certificate term.

Looking for an easily managed income supplement? Then, look at our MISCA (Monthly Income Share Certificate). This certificate is designed to transfer monthly dividend payments to your USPS FCU Share Savings or Checking Account as an income supplement.

2 Year Term
$10,000 Minimum Deposit
$500,000 Maximum Deposit
Rates Set: Monthly

• A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.

• Dividends Compounded: Monthly
• Dividends Credited: Monthly
• Dividend Period: Monthly