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# USPS FCU

## Sitemaps

- [XML Sitemap](https://uspsfcu.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Vacation Loan Special](https://uspsfcu.org/vacation-loan-special/) - Drift Away with a Vacation Loan Special How to Apply Don’t wait—take the next step and start relaxing. Apply online today for a USPS FCU loan. Limited-Time Offer: From now until – August 31, 2026 Need a vacation? Turn your travel dreams into real memories with our limited-time Vacation Loan Special! Whether you’re planning a
- [ANNUAL MEETING](https://uspsfcu.org/annual-meeting/) - Mark Your Calendar! You have the chance to attend the 2026 Annual Meeting! REGISTER NOW This meeting is the perfect time to hear recent credit union news and our plans for the future. When: Wednesday, June 24, 2026 | 3 p.m. EST Where: USPS FCU 7905 Malcolm Road, Suite 311, Clinton, MD 20735 OR
- [PostScripts Special Edition: April 2026](https://uspsfcu.org/postscripts-special-edition-april-2026/) - Read The Election & Education Edition of PostScripts
- [Spring 2026 PostScripts](https://uspsfcu.org/spring-2026-postscripts/) - Read the 2026 Spring Edition of PostScripts
- [Credit Union Cherry Blossom Race 2025](https://uspsfcu.org/credit-union-cherry-blossom-race-2025/) - 2025 April 6, 2025 marked the 52nd Annual Credit Union Cherry Blossom 10K, raising over $460,000 for the Children's Miracle Network. USPS FCU was a proud supporter again this year. Thanks to all who volunteered to make this event a success! LEARN MORE ABOUT THE HISTORY FOR THE "Runner's Rite of Spring"
- [Celebrating Black History Month 2026: Honoring Voices That Inspire and Unite](https://uspsfcu.org/celebrating-black-history-month-2026-honoring-voices-that-inspire-and-unite/) - Celebrating Black History Month 2026: Honoring Voices That Inspire and Unite Each February, we observe Black History Month to recognize and celebrate the remarkable contributions of African Americans whose courage, creativity, leadership, and resilience have shaped the story of our nation. From literature and labor advocacy to athletic achievement and humanitarian leadership, the impact of
- [U.S. Postal Service Federal Credit Union Supports Angel Tree Ministry](https://uspsfcu.org/u-s-postal-service-federal-credit-union-supports-angel-tree-ministry/) - USPS FCU Supports Good Shepherd United Methodist Church’s Angel Tree Ministry Bringing Holiday Joy to Children in Need FOR IMMEDIATE RELEASE December 22, 2025 Waldorf, MD – U.S. Postal Service Federal Credit Union (USPS FCU) proudly continued its annual tradition of giving by supporting the Angel Tree Ministry in partnership with Good Shepherd United
- [Celebrating International Credit Union Day 2025: Cooperation for a Prosperous World](https://uspsfcu.org/celebrating-international-credit-union-day-2025-cooperation-for-a-prosperous-world/) - Every year, credit unions around the globe mark International Credit Union (ICU) Day — a moment to celebrate our cooperative roots, highlight our lasting impact, and renew our commitment to members. In 2025, ICU Day falls on Thursday, October 16, and the theme is “Cooperation for a Prosperous World.” Below, we explore why ICU Day
- [Debt Protection](https://uspsfcu.org/debt-protection/) - Does your family have a safety net if the unexpected hits? Help protect your family against the unexpected. Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for
- [Free Your Budget: How to Eliminate Credit Card Debt for Good](https://uspsfcu.org/balance-transfers-how-to-eliminate-credit-card-debt/) - Struggling with high-interest credit card payments? Learn how to reduce your debt with simple, low-interest balance transfers. Plus, see our special offer.
- [In The Community](https://uspsfcu.org/in-the-community/) - At U. S. Postal Service FCU we pride ourselves in not only serving our members by making a difference in the communities we serve. With service being one of our shared values, we've embraced providing community outreach through volunteering and other charitable work contributions. Community Events Credit Unions Swing into Action in 2024 USPS FCU along with
- [91st Annual Meeting Reflection](https://uspsfcu.org/91st-annual-meeting-reflection/) - Thank you for your participation! USPS FCU Board of Directors and staff would like to thank to all of our members who participated in this year’s Annual Meeting, whether in person or virtually. It was a wonderful opportunity to come together as a community, reflect on the past year, and celebrate our shared achievements. The
- [Helping Kids Understand Money](https://uspsfcu.org/helping-kids-understand-money/) - Teaching kids about finances isn’t just about dollars and cents—it’s about confidence, values, and habits that will carry them through life.
- [Celebrating 90 Years of Service: A Milestone for USPS FCU](https://uspsfcu.org/celebrating-90-years-of-service-a-milestone-for-usps-fcu/) - As we commemorate our 90th anniversary, we reflect with pride on our journey as the only nationally chartered credit union available to all United States Postal Service employees across the United States as well as surrounding territories and islands. This significant milestone is a testament to our unwavering commitment to providing exceptional financial services tailored
- [American Income Life (AIL) Member Exclusive Benefits](https://uspsfcu.org/american-income-life-ail-member-exclusive-benefits/) - Added Protection and Savings for Our Members As a valued member of USPS Federal Credit Union, you are automatically eligible for exclusive no-cost benefits provided through our partnership with American Income Life Insurance Company (AIL). These benefits are designed to protect your family, provide peace of mind, and connect you with valuable health and wellness
- [Support Postal Workers with Every Swipe of Your USPS FCU Visa Credit Card!](https://uspsfcu.org/support-postal-workers-with-every-swipe-of-your-usps-fcu-visa-credit-card/) - Use your USPS FCU Visa Credit Card to support postal workers in need. A portion of each purchase goes to the Postal Employees’ Relief Fund (PERF).
- [USPS FCU & FESA Partnership](https://uspsfcu.org/usps-fcu-fesa-partnership/) - Exclusive Products and Services for FESA Employees and Members We are proud to partner with the Federal Employee Service Association (FESA) to bring exclusive financial solutions designed to meet the needs of both employees and members. Whether you’re saving for the future, looking for affordable loan options, or seeking trusted financial guidance, U.S. Postal Service
- [Honoring Black History](https://uspsfcu.org/honoring-black-history/) - In honor of Black History Month, we recognize and celebrate the profound contributions of African Americans to our nation's labor force. The 2025 theme, "African Americans and Labor," highlights the pivotal role that work—across all forms and industries—has shaped Black history and culture. From the resilience demonstrated during enslavement to the significant achievements in various professions
- [Go Green and Save Green this Fall](https://uspsfcu.org/go-green-and-save-green-this-fall/) - As the leaves turn gold and the air turns crisp, autumn reminds us of the beauty of change — and how even small steps can make a big difference. This season, U.S. Postal Service Federal Credit Union invites you to embrace sustainability not only in your daily habits, but also in the way you manage
- [Honoring Hispanic Heritage](https://uspsfcu.org/honoring-hispanic-heritage/) - Honoring Hispanic Heritage Through Stamps & Service Hispanic Heritage Month offers us a time to reflect on the art, leadership, and resilience of Hispanic, Latino and Latina Americans. The U.S. Postal Service has long recognized these contributions through these commemorative stamps that are small works of art that carry big stories. (All stamp information below
- [When Is the Best Time to Buy a Car? (Tips for Stress-Free <br> Shopping & Financing)](https://uspsfcu.org/when-is-the-best-time-to-buy-a-car/) - From seasonal car shopping tips to auto loan financing advice, explore why year-end is often the best time of the year to buy a car with USPS FCU.
- [Regulation D](https://uspsfcu.org/regulation-d/) - Important Notice: On Friday, April 24, 2020, the Federal Reserve Board announced an interim final rule to amend Regulation D (Reserve Requirements of Depository Institutions) to delete the six-per-month limit on convenient transfers from savings accounts. The interim final rule allows financial institutions to immediately suspend enforcement of the six transfer limit and to allow their
- [Early Direct Deposit](https://uspsfcu.org/early-direct-deposit/) - With USPS federal credit union direct deposit, access your paycheck early—up to two days before payday. Enjoy improved cash flow at no extra cost
- [Docusign Test Links](https://uspsfcu.org/docusign-test-links/) - Forms that need testing. TEST**SUPERVISORY COMMITTEE**TEST Supervisory Committee Application
- [PostScripts Winter 2025](https://uspsfcu.org/postscripts-winter-2025/) - Read the Latest Winter 2025 Edition of PostScripts
- [PostScripts Fall 2025](https://uspsfcu.org/postscripts-fall-2025/) - Read the latest edition of Postscripts | Fall 2025
- [VISA Mobile App: Critical Update Required](https://uspsfcu.org/visa-mobile-app-critical-update-required/) - ATTENTION VISA Credit Card Mobile App Users To continue managing your USPS FCU VISA credit card securely and without interruption, all members must update their Digital Card Management app to version R45 or newer by August 26, 2025. Why This Matters For security reasons, older versions of the app will be permanently removed from our
- [PostScripts Special Edition: May 2025](https://uspsfcu.org/postscripts-special-edition-may-2025/) - The Election & Education Edition
- [Notice of Branch Closure](https://uspsfcu.org/notice-of-branch-closure-2/) - THE BRANCH LOCATED AT 7905 MALCOLM RD. CLINTON, MD WILL BE CLOSED ON THURSDAY, MAY 1 We are sorry for any inconvenience. As an alternative, our branch located at 9201 Edgeworth Dr., Capitol Heights, MD, is open Mon. - Fri. from 9:00 a.m. - 3:30 p.m. You can also access your accounts through Virtual Branch
- [Smart Ways to Pay for College At Any Stage of Life](https://uspsfcu.org/smart-ways-to-pay-for-college-at-any-stage-of-life/) - Whether you’re heading to college straight from high school, supporting a child through their academic journey, or going back to school as an adult, one thing’s for sure: college costs add up. But with some planning and the right financial tools, it’s possible to pursue higher education without overwhelming debt. Here's how to approach student
- [How to Use Home Equity to Your Advantage with a HELOC](https://uspsfcu.org/how-to-use-home-equity/) - Discover how to use home equity to your advantage with a HELOC from USPS FCU. Unlock your home's potential and achieve your financial goals today!
- [U.S. Postal Service Federal Credit Union Raises $6,000 for the Postal Employees' Relief Fund](https://uspsfcu.org/u-s-postal-service-federal-credit-union-raises-6000-for-the-postal-employees-relief-fund/) - Clinton, MD – March 27, 2025 – The U. S. Postal Service Federal Credit Union (USPS FCU) is thrilled to announce the successful completion of its fundraising initiative to support the Postal Employees' Relief Fund (PERF), a #10268 CFC Approved Charity. Thanks to the generosity of USPS FCU members, the Credit Union raised an impressive
- [The USPS FCU Visa Platinum Card: Swipe Smarter, Not Harder](https://uspsfcu.org/usps-fcu-visa-platinum-card/) - Maximize the perks of the USPS FCU Visa Platinum Card! Enjoy low rates, no annual fees & travel security. Swipe smarter—apply today!
- [PostScripts Spring 2025](https://uspsfcu.org/postscripts-spring-2025/) - PostScripts Spring 2025
- [Smart Ways to Save on Credit Card Debt](https://uspsfcu.org/smart-ways-to-save-on-credit-card-debt/) - Credit card debt can quickly add up, making it difficult to manage monthly expenses and save for the future. If you're looking for ways to reduce your balance and save money, here are some smart strategies to help you take control of your credit card debt. 1. Pay More Than the Minimum: While making the minimum
- [Spend More on Joy, Less on Interest](https://uspsfcu.org/spend-more-on-joy-less-on-interest/) - Avoid holiday debt stress with USPS FCU and GreenPath’s Debt Management Program. Lower interest payments, pay off debt faster, and take control.
- [Age-Appropriate Strategies for Teaching Kids About Money](https://uspsfcu.org/teaching-kids-about-money/) - Teaching kids about money is easy with USPS FCU’s age-appropriate financial tools and savings accounts. Guide your child to build a strong financial foundation.
- [PostScripts Winter 2024](https://uspsfcu.org/postscripts-winter-2024/)
- [Building Financial Health with USPS FCU](https://uspsfcu.org/building-financial-health-with-usps-fcu/) - Shift your mindset to build long-term financial health. USPS FCU offers savings, loans, and tools to help postal workers manage money wisely. Start today!
- [IRS Warns: Lookout for Tax Scams](https://uspsfcu.org/irs-warns-lookout-for-tax-relief-scams/) - Learn how to avoid tax relief scams that promise debt settlement but charge high fees. USPS FCU shares IRS warnings on misleading tax relief services.
- [NOTICE OF BRANCH CLOSURE](https://uspsfcu.org/notice-of-branch-closure/) - All USPS FCU branches will be closed on Monday, November 11, 2024 in observance of the Veteran's Day federal holiday.
- [PostScripts Fall 2024](https://uspsfcu.org/postscripts-fall-2024/)
- [PostScripts Spring 2024](https://uspsfcu.org/postscripts-spring-2024/)
- [Master Your Retirement: Key Terms and Products You Need to Know for a Secure Future](https://uspsfcu.org/master-your-retirement-key-terms-and-products-you-need-to-know-for-a-secure-future/) - Planning for retirement can feel daunting, but with the right knowledge and tools, you can ensure a comfortable and secure future. At USPS Federal Credit Union, we're here to help you navigate your retirement journey. This guide will explain essential retirement terms and products to help you make informed decisions and achieve your financial goals.
- [POSTAL HISTORY: Missile Mail](https://uspsfcu.org/postal-history-missile-mail/) - “Before man reaches the moon, mail will be delivered within hours from New York to California, to England, to India or to Australia by guided missiles,” - Postmaster General Arthur E. Summerfield The U.S. postal system has been an early adopter of newfangled — and even dangerous — modes of delivery:
- [Women's History Month with USPS FCU](https://uspsfcu.org/womens-history-month-with-usps-fcu/) - In celebration of Women's History Month, U.S. Postal Service Federal Credit Union is honored to highlight contributions of women who helped push the country forward. The contributions made by each woman represented in this article are grand enough in scale for them to have earned the honor of receiving official USPS stamps in their likeness.
- [Celebrating Black History in the Postal Service](https://uspsfcu.org/celebrating-black-history-in-the-postal-service/) - In honor of Black History Month U.S. Postal Service Federal Credit Union would like to highlight the contributions of some of the African American postal workers that influenced the postal system we use today. While these are just a few of many, their stories stood out to us for their bravery, activism, and pioneering spirits. Mary
- [Earn Quick, Extra Money During the Holidays](https://uspsfcu.org/earn-quick-extra-money-during-the-holidays/) - Millennials are no strangers to the side hustle – that second job or occasional gig so many have taken on for extra cash. The phenomenon has given rise to what's called the "gig economy." A multitude of apps and websites making use of this untapped workforce has made it super easy for anyone to make
- [Digital Wallet Explained](https://uspsfcu.org/digital-wallet-explained/) - What Is a Digital Wallet? A digital wallet (or electronic wallet) is a financial transaction application that runs on mobile devices. It securely stores your payment information and passwords. These applications allow you to pay when you're shopping using your device so that you don't need to carry your cards around. You enter and store
- [Don't Fall Victim to IRS Phone Scammers](https://uspsfcu.org/dont-fall-victim-to-irs-phone-scammers/) - As people are working hard to file their taxes before the deadline, criminals are also hard at work trying to steal their money. In a very technology forward society, the classic telephone scam continues to be the most dangerous, especially in tax season. "Phone scammers are always looking for ways to steal taxpayers' financial and identity information,"
- [Home Buying Seminar](https://uspsfcu.org/usps-fcu-steps-in-the-home-buying-process-webinar/) - Are you looking to purchase a home soon? Presented by Credit Union Mortgage Association, Inc., the "Steps in the Home Buying Process" seminar will take you through the entire home buying process and what you can expect. This seminar will address topics like: The difference between a pre-qualification and pre-approval The pre-approval process Submitting an
- [VISA Credit Card Updates](https://uspsfcu.org/new-visa-system/) - On Sunday, April 10, 2022 the Credit Union converted to a new Visa processing system to provide better options and an overall improved member experience. The following are some important changes you need to be aware of: By now you should have received your new account number and your newly designed contactless VISA Credit Card
- [Retirement Products and Terms to Know](https://uspsfcu.org/retirement-products-and-terms-to-know/) - Planning for retirement doesn’t have to be difficult or confusing. Here's a list of retirement terms that can help clarify questions you may have: 401(k): Retirement savings plan funded by employee contributions and, often, by partially matching contributions from the employer. Most 401(k) contributions are made on a tax-deferred basis. Interest, dividends, and capital gains generally
- [Women and Credit: Here’s How to Get on Solid Ground](https://uspsfcu.org/women-credit-financial-wellness/) - By GreenPath Financial Wellness For many years, research has shown that women in the U.S. are approved for less than men when they apply for credit products and are more likely to be denied outright. Perhaps because of this, women also put off applying for credit when compared to men, even when they need it to get
- [What Is Compound Interest?](https://uspsfcu.org/what-is-compound-interest/) - You work hard for your money. Why not make your money work for you? One of the easiest ways is to take advantage of compound interest. Knowing how it works will help you increase your savings and keep your debt low. When you open an interest-bearing account (like savings, CDs, IRAs), your credit union pays
- [Tips to Avoid a Holiday Spending Hangover](https://uspsfcu.org/tips-to-avoid-a-holiday-spending-hangover/) - You can survive the season without suffering a fiscal holiday hangover. By examining the reasons for overspending, planning how much you’ll spend, and identifying what's important to your family, you can rein in your spending and rediscover the joy of the holidays. Examine your motives What fuels the gift-giving mania? Tradition strongly influences holiday spending
- [Watch our Journey To Financial Wellness Seminar](https://uspsfcu.org/watch-our-journey-to-financial-wellness-seminar/) - We all deserve a chance to pursue our dreams, and financial wellness is a key factor in getting there. When we are financially well, we have more freedom to live the lives we want to live. The journey to financial wellness includes many steps. Watch to explore some of the steps in the journey, which include: Learning how
- [Get Wealthy by Changing How You Think About Money](https://uspsfcu.org/get-wealthy-by-changing-how-you-think-about-money/) - How do you define wealth? Is it “a large amount of money and possessions"? But consider this definition: wealth is the financial security that comes from managing your money wisely. Most of us want to be rich because we think it'll make our financial problems will go away. Sadly, research shows that people who suddenly
- [Watch our Retirement Resources & Strategies Seminar Presented by AFS](https://uspsfcu.org/watch-our-retirement-resources-strategies-seminar-presented-by-afs/) - What is the best way to save for your long-term future? This Retirement Resources & Strategies seminar will provide an overview of your employer-sponsored retirement plan and the benefits that come with it, along with the investment strategies and resources available to help you reach your retirement goals. Some Questions We Answer: How does my
- [What to Do if You’re Turned Down for a Loan](https://uspsfcu.org/what-to-do-if-youre-turned-down-for-a-loan/) - Getting rejected for a loan can feel like a kick in the teeth. No way around it, rejection is painful. But a loan rejection may be a gift in disguise. All too often, borrowers get the loan they want and end up wishing they hadn’t because they can’t afford the payments. Lenders have good reasons
- [PostScripts Fall/Winter 2023](https://uspsfcu.org/postscripts-fall-winter-2023/)
- [PostScripts Summer 2023](https://uspsfcu.org/postscripts-summer-2023/)
- [PostScripts Spring 2023](https://uspsfcu.org/postscripts-spring-2023/)
- [PostScripts Winter 2023](https://uspsfcu.org/postscripts-winter-2023/)
- [PostScripts Summer 2022](https://uspsfcu.org/postscripts-summer-2022/)
- [PostScripts Spring 2022](https://uspsfcu.org/postscripts-spring-2022/)
- [PostScripts Winter 2022](https://uspsfcu.org/postscripts-winter-2022/)
- [PostScripts Fall 2021](https://uspsfcu.org/postscripts-fall-2021/)
- [PostScripts Summer 2021](https://uspsfcu.org/postscripts-summer-2021/)
- [PostScripts Spring 2021](https://uspsfcu.org/postscripts-spring-2021/)
- [Upcoming Events & Dates](https://uspsfcu.org/upcoming-events-dates/) - Monday, May 27 - Memorial Day Wednesday, June 19 - Juneteenth Thursday, July 4 - Independance Day Monday, September 2 - Labor Day **These holidays' names are designated in section 6103(a) of title 5 of the United States Code, which is the law that specifies holidays for Federal employees. Other institutions such as state and local governments and private
- [Our Millionaire's Club in Washington D.C. with IDEA Charter School](https://uspsfcu.org/our-millionaires-club-in-washington-d-c-with-idea-charter-school/) - A new Millionaire’s Club financial literacy program has launched at IDEA Public Charter School, Washington, D.C. US Postal Service Federal Credit Union is sponsoring the Club; their first. The students at IDEA now have access to a personal finance program designed to prepare them for success and financial independence. Speaking at the Millionaire’s Club launch, USPS
- [Welcome To Our Blog!](https://uspsfcu.org/welcome-to-our-blog/) - Welcome to our new website! Along with a new and exciting layout we have taken the opportunity with this new website to add in some new features to help you, our members. This blog will serve as a place to find resources about what is happening in the world of finance, savings tips and tricks,
- [Pittsburgh Membership Marathon!](https://uspsfcu.org/pittsburgh-membership-marathon/) - Our Pittsburgh branch ran a Membership Marathon between November 1 - December 31, 2017. They opened 43 new memberships! During the Membership Marathon, 29 of those 43 new memberships were" member referred" meaning our members invited their friends and family to join. There was a three-way tie for the most referrals, they each invited 4 new members. Thank
- [Women's History Month with USPS FCU](https://uspsfcu.org/womens-history-month-with-usps-fcu-5/) - In celebration of Women's History Month, U.S. Postal Service Federal Credit Union is honored to highlight contributions of women who helped push the country
- [IRS Warns: Lookout for Tax Scams](https://uspsfcu.org/irs-warns-lookout-for-tax-scams/) - As part of the annual Dirty Dozen list of tax scams, the Internal Revenue Service renewed its warning to taxpayers looking to settle IRS tax debts using a

## Pages

- [Home](https://uspsfcu.org/) - USPS Federal Credit Union is open to Postal Service employees and select groups within 50 miles of a branch. Offering loans, savings, and checking accounts.
- [Privacy & Disclosures](https://uspsfcu.org/privacy-policy/) - Review the USPS FCU privacy policy and disclosures, including how we protect your information and our online banking security practices.
- [HELOC Solutions](https://uspsfcu.org/heloc-solutions/) - Solutions Designed With You in Mind | Get up to $3,500 toward Closing With a HELOC from USPS FCU
- [Frederick J. Heinen Scholarship](https://uspsfcu.org/frederick-j-heinen-scholarship/) - Students aged 18-21 who are USPS FCU members can enter the Frederick J. Heinen Scholarship contest. See eligibility and how to apply.
- [Nichelle Garnett Scholarship](https://uspsfcu.org/nichelle-garnett-scholarship/) - Nichelle Garnett Scholarship Scholarship Contest The 2026 Scholarship Contest Has Closed! We are excited to announce the Nichelle Garnett Scholarship Program, established in memory of a valued USPS FCU employee whose dedication, compassion, and commitment to serving others left a lasting impact on our organization and the members we serve. This scholarship was created to
- [Checking Switch Kit](https://uspsfcu.org/accounts/checking-switch-kit/) - Make the switch to USPS FCU’s checking account and enjoy a $75 bonus. Use our easy online Switch Kit for a hassle-free transition with direct deposit setup.
- [About Us](https://uspsfcu.org/about-us/) - Discover 'What is a Credit Union' with USPS FCU and see the difference in credit union vs bank. Member-owned since 1934, offering personalized service.
- [Leadership](https://uspsfcu.org/about-us/leadership/) - Meet the executive leadership team, board of directors, and supervisory committee that guide U.S. Postal Service Federal Credit Union.
- [VISA Credit Card](https://uspsfcu.org/visa-credit-card-landing/) - Find the right USPS Federal Credit Union credit card today! Choose between Platinum Rewards, Platinum, or Secured cards to earn cash back and build credit.
- [Single Parent Achievers](https://uspsfcu.org/single-parent-achievers/) - Discover exclusive financial solutions tailored for Single Parent Achievers (SPA). Explore savings, loans, and credit options designed for your life stage.
- [VISA Credit Cards](https://uspsfcu.org/visa-credit-cards/) - Choose from USPS FCU Visa Credit Cards with low rates, no annual fees, and rewards. Enjoy worldwide access, digital wallet compatibility, and more. Apply now!
- [Home Equity Loans](https://uspsfcu.org/home-equity-loans/) - USPS FCU Home Equity Line of Credit offers low rates tied to the Prime Rate, no pre-payment penalties, and flexible 10- or 15-year draw periods. Apply now
- [Mortgage Loans and Refinancing](https://uspsfcu.org/mortgage-loans-and-refinancing/) - Explore the USPS employee mortgage program with fixed and adjustable rate options. Buy a home, refinance, or upgrade with competitive rates and flexible terms.
- [A-PLUS Partnership with USPS FCU](https://uspsfcu.org/a-plus-partnership-with-usps-fcu/) - Exclusive Products and Services for Members of African American Postal League United for Success (A-PLUS)! We’re proud to partner with the African American Postal League United for Success! to bring exclusive financial solutions designed to meet the needs of both employees and members. Whether you’re saving for the future, looking for affordable loan options, or
- [Overdraft Coverage](https://uspsfcu.org/accounts/overdraft-coverage/) - Avoid declined transactions with USPS FCU overdraft coverage. Explore your overdraft protection options to stay covered when life happens.
- [Visa Instant Digital Issuance](https://uspsfcu.org/services/mobile-access/visa-instant-digital-issuance/) - Get your USPS FCU Visa debit or credit card instantly with digital issuance. Add it to your digital wallet and start spending right away.
- [Application Confirmation Eligible](https://uspsfcu.org/application-confirmation-eligible/) - Application Confirmation Thanks for completing your pre-application! Based on your eligibility, our loan team will reach out via email and phone within one business day to help you finalize your next steps.
- [Application Confirmation Not Eligible](https://uspsfcu.org/application-confirmation-not-eligible/) - Application Confirmation Unfortunately, you’re not currently eligible to become a member. Please reach out to us directly or check back if your eligibility status changes.
- [Fraud Alerts & Tips](https://uspsfcu.org/fraud-alerts-tips/) - Protect your money with USPS FCU fraud alerts. Learn to spot scams, secure passwords, and report lost or stolen cards.
- [USPS FCU](https://uspsfcu.org/usps-fcu/) - Choose USPS FCU checking accounts for perks like no minimum balance, surcharge-free ATMs, and interest options. Open your account today!
- [Accounts](https://uspsfcu.org/accounts/) - Choose USPS FCU’s Access, Interest, or Money Market checking. Enjoy free ATMs, initial free checks, 24-hour online banking, and competitive dividends with rewards.
- [Kids Account](https://uspsfcu.org/youth-accounts/kids-account/) - Start your child's financial journey with USPS FCU Kids Savings Accounts. Enjoy competitive rates, no fees, and fun educational tools. Open an account today!
- [Sitemap](https://uspsfcu.org/sitemap/) - Browse the full USPS FCU sitemap to quickly find accounts, loans, services, and resources across our website.
- [USPS FCU Privacy Policy](https://uspsfcu.org/usps-fcu-privacy-policy/) - Privacy Policy FOR MEMBERS OF U.S. POSTAL SERVICE FEDERAL CREDIT UNION USING THE MOBILE APP THE TYPES OF INFORMATION USPS FCU COLLECTS USPS FCU may collect personal information from you in the following ways: (a) Personal Information You or Your Financial Institution Provide to us. USPS FCU may collect personal information from you or your
- [News & Events](https://uspsfcu.org/news-events/) - Stay current with USPS FCU news, promotions, community events, and the PostScripts member newsletter. Serving postal employees across the U.S.
- [VISA Debit Card](https://uspsfcu.org/accounts/visa-check-card/) - Enjoy secure transactions and convenience with the USPS FCU VISA Check Card. Use it for purchases, ATM withdrawals, and more. Apply for yours today!
- [Debt Protection](https://uspsfcu.org/services/debt-protection/) - USPS FCU Debt Protection helps cover loan payments if the unexpected happens. Add a safety net for you and your family. Learn more.
- [Auto Loans](https://uspsfcu.org/auto-loans/) - USPS FCU offers the best credit union car loans. Get low rates and flexible terms up to 84 months. Apply for a new, used, or refinanced vehicle loan today.
- [Statement of Social Responsibility](https://uspsfcu.org/about-us/statement-of-social-responsibility/) - See how USPS FCU gives back, supporting members, communities, and postal employees through volunteering, donations, and outreach.
- [Become a Member](https://uspsfcu.org/become-a-member/) - Join USPS Federal Credit Union. Eligible for U.S. Postal Service employees, family members, and select groups within a 50-mile radius of a USPS FCU branch.
- [Digital Wallet Explained](https://uspsfcu.org/digital-wallet-explained/) - What is a digital wallet and how does it work? USPS FCU explains digital wallet types, security, and how to pay with your phone.
- [Insurance Offerings](https://uspsfcu.org/services/insurance-offerings/) - USPS FCU insurance offerings include TruStage auto and home, renters, debt protection, free accidental death, and excess share insurance to keep you secure.
- [Individual Retirement Accounts](https://uspsfcu.org/individual-retirement-accounts/) - Plan your future with USPS FCU IRAs. Compare Traditional, Roth, IRA certificates, and Coverdell accounts to grow tax-advantaged savings.
- [HomeAdvantage](https://uspsfcu.org/homeadvantage/) - Buy or sell a home and earn Cash Rewards with USPS FCU HomeAdvantage. Search listings, find agents, and save from start to finish.
- [Flexible Loans](https://uspsfcu.org/flexible-loans/) - USPS FCU flexible loans help fund life's milestones with competitive rates and terms built around the way you live. Get started today.
- [Share Certificates](https://uspsfcu.org/accounts/share-certificates/) - Earn more with USPS FCU Share Certificates. Enjoy flexible terms, competitive rates, and low minimum deposits starting at just $250. Start saving today!
- [QUE Telephone Banking](https://uspsfcu.org/que-telephone-banking/) - Access your accounts anytime with QUE, the USPS FCU 24/7 telephone banking service. Check balances, transfer funds, and more by phone.
- [Branch & ATM Locations](https://uspsfcu.org/branch-atm-locations/) - Discover USPS FCU locations with information on branch hours, services, and ATMs, giving members flexible options for their financial needs.
- [Become a Credit Union Volunteer](https://uspsfcu.org/become-a-credit-union-volunteer/) - Give back by volunteering with USPS FCU. Serve on the board, supervisory committee, or community outreach group and shape your credit union.
- [Join the Supervisory Committee](https://uspsfcu.org/become-a-credit-union-volunteer/join-the-supervisory-committee/) - Volunteer for the USPS FCU Supervisory Committee. Help safeguard members by overseeing financial practices and internal controls.
- [Join the Board of Directors](https://uspsfcu.org/become-a-credit-union-volunteer/join-the-board-of-directors/) - Help guide USPS FCU as a volunteer board member. Learn the role, qualifications, and how to apply to join our board of directors.
- [Join the Community Outreach Focus Group](https://uspsfcu.org/become-a-credit-union-volunteer/join-the-community-outreach-focus-group/) - Share your voice on the USPS FCU Community Outreach Focus Group. Help shape member programs, events, and outreach in your community.
- [Volunteer Nominations](https://uspsfcu.org/now-accepting-nominations/) - USPS FCU is accepting nominations for the 2026 election. Explore volunteer leadership opportunities and nominate a candidate today.
- [Skip-A-Payment Program](https://uspsfcu.org/skip-a-payment-program/) - Take a break from loan payments with USPS FCU’s Skip-A-Payment Program. Qualify once every 12 months for just $35 per loan. Apply online today!
- [Auto Loan Q4 Landing Page-09-2025](https://uspsfcu.org/auto-loan-special/) - Apply for a USPS FCU auto loan between 10/1/2025 and 12/31/2025 and skip payments until 2026. We offer Low rates and fast approvals. Learn more.
- [Holiday Closing Schedule](https://uspsfcu.org/hours-holiday-schedule/) - View USPS FCU’s 2024–2025 holiday schedule. Plan ahead for branch closures on federal holidays and Christmas Eve early closings.
- [Annual Reports](https://uspsfcu.org/annual-meetings-reports/) - Access USPS FCU annual reports and annual meeting information, including financial results and highlights for our member-owners.
- [Applications and Forms](https://uspsfcu.org/services/applications-and-forms/) - Access USPS FCU's applications for loans, memberships, and financial services. Simplify tasks like account updates, payment authorizations, and more.
- [Teen Account](https://uspsfcu.org/youth-accounts/teen-account/) - The USPS FCU Cha-Ching Teen Club offers teen checking and savings accounts that teach smart money habits. See features and benefits.
- [Youth Accounts](https://uspsfcu.org/youth-accounts/) - Help kids and teens learn smart saving habits with USPS FCU Youth Accounts. Explore financial clubs for ages 12-24 and start building a brighter future.
- [Financial Counseling](https://uspsfcu.org/financial-counseling/) - Get free, confidential financial counseling through USPS FCU and GreenPath. Manage debt, budgeting, and credit with expert help.
- [Student Loan Consolidation](https://uspsfcu.org/student-loan-consolidation/) - Combine multiple education loans into one with USPS FCU student loan consolidation. Refinance now and you could earn a rebate up to $500.
- [Education Loan](https://uspsfcu.org/education-loan/) - Cover tuition, books, and school expenses with a USPS FCU education loan. Enjoy low rates and terms up to 60 months. Apply today.
- [Personal Loans](https://uspsfcu.org/personal-loans/) - Explore personal loans for USPS employees. Borrow up to $15,000 with flexible terms. No collateral required. Perfect for postal employees' financial needs.
- [TruStage™ Auto & Home Insurance Program](https://uspsfcu.org/trustage-auto-home-insurance-program/) - Save on auto and home insurance with TruStage™ through USPS FCU. Enjoy competitive rates, customized policies, and 24/7 roadside assistance.
- [Mobile Deposit](https://uspsfcu.org/mobile-deposit/) - Save time with USPS FCU’s Mobile Deposit. Securely deposit checks anytime using our mobile app. Download now and manage your finances on the go!
- [Line of Credit](https://uspsfcu.org/line-of-credit/) - Access funds anytime with USPS FCU’s Line of Credit. Protect against overdrafts and enjoy no costs unless used. Apply online and manage your finances today!
- [Shared Branching](https://uspsfcu.org/services/shared-branching/) - Access your USPS FCU accounts at thousands of CO-OP Shared Branches nationwide. Enjoy seamless banking, even while traveling. Find a branch today!
- [Mobile Access](https://uspsfcu.org/services/mobile-access/) - Manage your USPS FCU accounts on the go with our mobile app. View balances, make payments, set alerts, and securely access your card. Download today!
- [Relationship Rewards](https://uspsfcu.org/relationship-rewards/) - Earn more as a USPS FCU member with Relationship Rewards. Qualify four ways for better rates and perks, with no sign-up needed.
- [Financial Calculators](https://uspsfcu.org/financial-calculators/) - Explore USPS FCU’s financial calculators for loans, savings, investments, and retirement. Make informed financial decisions with ease. Try them today!
- [Financial Education](https://uspsfcu.org/financial-education/) - Build money skills with USPS FCU financial education. Access LearningLab+ courses, GreenPath tools, and free resources for every stage.
- [Fees](https://uspsfcu.org/fees/) - Discover USPS Federal credit union fees , with details on overdraft charges, replacement card charges and credit union ATM fees. View the complete fee schedule.
- [Virtual Branch Online Banking and Bill Pay](https://uspsfcu.org/services/online-banking-and-bill-pay/) - Access the USPS FCU Online Banking Portal to pay bills, view balances, transfer funds, and set account alerts for secure and convenient financial management.
- [Make a Payment](https://uspsfcu.org/make-a-payment/) - USPS federal credit union loan payment options include auto, personal, and mortgage loans. Enjoy free recurring payments or secure one-time options online.
- [Auto Link Car Buying Service](https://uspsfcu.org/auto-link-car-buying-service/) - Explore USPS FCU’s car buying service through Auto Link, providing support for members in their car search and purchasing journey.
- [Mobile Banking](https://uspsfcu.org/mobile-banking/) - Manage accounts, pay bills, deposit checks, and transfer funds securely with the USPS FCU Mobility app. Enjoy mobile wallet, alerts, and financial tools on the go.
- [Community Resources](https://uspsfcu.org/community-resources/) - USPS FCU is dedicated to community outreach, from Earth Day clean-ups to promoting diversity at the USPS DEI Fair, making a positive impact in our communities.
- [Savings Account](https://uspsfcu.org/savings-account/) - Explore USPS FCU savings options, including Regular Share, Money Market, and Club Accounts. Save for vacations, holidays, taxes, and more.
- [Zelle®](https://uspsfcu.org/zelle/) - Send and receive money quickly with Zelle® via USPS FCU. Use Zelle safely to pay trusted contacts; avoid scams by only sending money to known recipients.
- [Contact Us](https://uspsfcu.org/contact-us/) - Reach USPS FCU for member services, card help, lost/stolen cards, or fraud support. Call (301) 856-5000 or (800) 877-7328 toll-free.
- [Rates](https://uspsfcu.org/rates/) - View USPS FCU’s rates on mortgages, savings, checking, and personal loans. Enjoy benefits like Relationship Rewards and competitive dividends.
- [Young Savers Certificates](https://uspsfcu.org/youth-accounts/young-savers-certificates/) - Give kids a head start with USPS FCU Young Savers Certificates. A safe, high-value way to grow savings for your child's future.
- [Direct Deposit/Payroll Allotment](https://uspsfcu.org/accounts/direct-deposit-payroll-allotment/) - Set up direct deposit at USPS FCU for faster, safer paycheck, Social Security, or pension deposits directly into your checking or savings account.
- [Young Adult Account](https://uspsfcu.org/youth-accounts/young-adult-account/) - Build financial independence with USPS FCU young adult accounts. Checking, savings, and tools designed for life on your own.
- [Member Testimonials](https://uspsfcu.org/member-testimonials/) - Read real USPS FCU member testimonials and reviews about our loans, accounts, and service. See why members trust our credit union.
- [Federal Disaster Relief Program](https://uspsfcu.org/federal-disaster-relief-program/) - Affected by a disaster? USPS FCU's Federal Disaster Relief Program offers loan assistance and support to help members recover.
- [Life Insurance](https://uspsfcu.org/services/life-insurance/) - Protect your loved ones with TruStage™ life insurance plans through USPS FCU. Explore affordable coverage options for members.
- [Free Accidental Death Insurance](https://uspsfcu.org/services/free-accidental-death-insurance/) - USPS FCU members get free Accidental Death & Dismemberment insurance, with options to add more coverage from just $1/month. Enroll now.
- [Excess Share Insurance](https://uspsfcu.org/services/excess-share-insurance/) - Your savings are extra safe at USPS FCU. Learn how Excess Share Insurance protects deposits above standard NCUA coverage limits.
- [Additional Collateral Protection Insurance](https://uspsfcu.org/services/additional-collateral-protection-insurance/) - Asked for proof of insurance on your USPS FCU loan? Learn about additional collateral protection insurance and how to submit coverage.
- [Retirement Central](https://uspsfcu.org/retirement-central/) - Get practical retirement planning ideas at USPS FCU Retirement Central. Tools and tips to help you achieve financial security.
- [Reorder Checks](https://uspsfcu.org/reorder-checks/) - Reorder your USPS FCU checks online in just a few clicks. Fast, secure check reordering for your checking account anytime.
- [Refer A Member Program](https://uspsfcu.org/refer-a-member-program/) - Refer friends and family to USPS FCU and earn $25 for every referral, with no limit. Share the benefits and get rewarded.
- [Zelle® Scams](https://uspsfcu.org/mobile-banking/zelle-scams/) - Stay safe when sending money: USPS FCU shares how to spot and avoid Zelle® scams and protect your account from fraud.
- [Learn How To Protect Yourself From Identity Theft](https://uspsfcu.org/learn-how-to-protect-yourself-from-identity-theft/) - Learn how to protect yourself from identity theft with USPS FCU tips on safeguarding personal data, accounts, and your credit.
- [Resources](https://uspsfcu.org/resources/) - Explore USPS FCU member resources, including financial calculators, forms, education, fraud tips, and tools to manage your money.
- [FAQs & Tutorials](https://uspsfcu.org/faqs-tutorials/) - Find answers to common questions and step-by-step tutorials for USPS FCU accounts, online banking, and services. Get help fast.
- [USPS FCU Select Groups](https://uspsfcu.org/become-a-member/usps-fcu-select-groups/) - See if you qualify to join USPS FCU through our select employee groups. Check membership eligibility and become a member today.
- [Financial Webinars](https://uspsfcu.org/financial-webinars/) - Register for free USPS FCU financial webinars covering budgeting, credit, homebuying, retirement, and more. Learn from the experts.
- [Career Opportunities](https://uspsfcu.org/career-opportunities/) - Explore career opportunities at USPS FCU. View current job openings and discover what it's like to work at our credit union.
- [Accessibility Statement](https://uspsfcu.org/accessibility-statement/) - USPS FCU is committed to a website accessible to everyone. Learn our accessibility standards and how to request assistance.

## Categories

- [Blog](https://uspsfcu.org/category/blog/)
- [Event](https://uspsfcu.org/category/event/)
- [What's Happening](https://uspsfcu.org/category/whats-happening/)
- [Postscripts](https://uspsfcu.org/category/postscripts/)
- [Fraud Alert](https://uspsfcu.org/category/fraud-alert/)
- [News](https://uspsfcu.org/category/news/)
- [Promotions](https://uspsfcu.org/category/news/promotions/)
- [test](https://uspsfcu.org/category/test/)
- [Alerts](https://uspsfcu.org/category/alerts/)

## Tags

- [how to think about money](https://uspsfcu.org/tag/how-to-think-about-money/)
- [wealthy mindset](https://uspsfcu.org/tag/wealthy-mindset/)
- [USPS FCU](https://uspsfcu.org/tag/usps-fcu/)
- [financial security](https://uspsfcu.org/tag/financial-security/)
- [savings accounts](https://uspsfcu.org/tag/savings-accounts/)
- [investment options](https://uspsfcu.org/tag/investment-options/)
- [budgeting tools](https://uspsfcu.org/tag/budgeting-tools/)
- [personal loans](https://uspsfcu.org/tag/personal-loans/)
- [auto loan refinancing](https://uspsfcu.org/tag/auto-loan-refinancing/)
- [refinancing](https://uspsfcu.org/tag/refinancing/)
- [kids savings accounts](https://uspsfcu.org/tag/kids-savings-accounts/)
- [youth financial products](https://uspsfcu.org/tag/youth-financial-products/)
- [money management for kids](https://uspsfcu.org/tag/money-management-for-kids/)
- [building financial habits](https://uspsfcu.org/tag/building-financial-habits/)
- [savings goals](https://uspsfcu.org/tag/savings-goals/)
- [budgeting for kids](https://uspsfcu.org/tag/budgeting-for-kids/)
- [financial independence](https://uspsfcu.org/tag/financial-independence/)
- [mobile banking](https://uspsfcu.org/tag/mobile-banking/)
- [credit-building](https://uspsfcu.org/tag/credit-building/)
- [young adult financial solutions](https://uspsfcu.org/tag/young-adult-financial-solutions/)
- [financial literacy](https://uspsfcu.org/tag/financial-literacy/)
- [money management](https://uspsfcu.org/tag/money-management/)
- [early financial education](https://uspsfcu.org/tag/early-financial-education/)
- [savings certificates](https://uspsfcu.org/tag/savings-certificates/)
- [parental guidance](https://uspsfcu.org/tag/parental-guidance/)
- [debit card access](https://uspsfcu.org/tag/debit-card-access/)
- [fee-free checking](https://uspsfcu.org/tag/fee-free-checking/)
- [compound interest](https://uspsfcu.org/tag/compound-interest/)
- [teen savings accounts](https://uspsfcu.org/tag/teen-savings-accounts/)
- [youth financial tools](https://uspsfcu.org/tag/youth-financial-tools/)
- [credit card](https://uspsfcu.org/tag/credit-card/)
- [credit cards](https://uspsfcu.org/tag/credit-cards/)
- [visa](https://uspsfcu.org/tag/visa/)
- [balance transfer](https://uspsfcu.org/tag/balance-transfer/)
- [balance transfers](https://uspsfcu.org/tag/balance-transfers/)
- [low interest rates](https://uspsfcu.org/tag/low-interest-rates/)
- [consolidate debt](https://uspsfcu.org/tag/consolidate-debt/)
- [reduce debt](https://uspsfcu.org/tag/reduce-debt/)
- [get rid of high interest debt](https://uspsfcu.org/tag/get-rid-of-high-interest-debt/)
- [best time to buy a car](https://uspsfcu.org/tag/best-time-to-buy-a-car/)
- [car shopping](https://uspsfcu.org/tag/car-shopping/)
- [auto loan](https://uspsfcu.org/tag/auto-loan/)
- [auto loans](https://uspsfcu.org/tag/auto-loans/)
- [auto loan financing](https://uspsfcu.org/tag/auto-loan-financing/)
- [auto loan rates](https://uspsfcu.org/tag/auto-loan-rates/)

## Team Categories

- [Board Member](https://uspsfcu.org/team-category/board-member/)
- [Supervisory Committee](https://uspsfcu.org/team-category/supervisory-committee/)

## Rate Categories

- [Saving](https://uspsfcu.org/rates_category/saving/)
- [Loan](https://uspsfcu.org/rates_category/loan/)
- [Checking](https://uspsfcu.org/rates_category/checking/)