Compared with Maryland
10 of 18
compared fees are above the median.
4 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
65th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 18 compared; 4 below, 4 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for U S Postal Service Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | U S Postal Service Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (65th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $366K in Q2 2026, 1.9% above the same quarter a year earlier ($359K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 18 compared published fees sit above the Maryland median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Maryland medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 3.9% from Q3 2025 to Q2 2026, to $366K. Its share of revenue, 9.4%, is above the 7.2% median for credit unions with under $300M in assets.
$366K
U S Postal Service Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
U S Postal Service Federal Credit Union · $280M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| U S Postal Service Federal Credit Union(this institution) | Clinton, MD | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allegent Community Federal Credit Union | Pittsburgh, PA | $281M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltrust Federal Credit Union | Fairhaven, MA | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aneca Federal Credit Union | Shreveport, LA | $274M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cottonwood Community Federal Credit Union | Cottonwood, ID | $286M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Edwards Federal Credit Union | Edwards, CA | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| General Electric Employees Federal Credit Union | Milford, CT | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Har-Co Federal Credit Union | Bel Air, MD | $286M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Community Federal Credit Union | Rancho Cordova, CA | $283M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lormet Community Federal Credit Union | Amherst, OH | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Family Federal Credit Union | Lewiston, ME | $288M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Marshland Federal Credit Union | Brunswick, GA | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Trust Of The Southwest Federal Credit Union | Houston, TX | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnequa Works Federal Credit Union | Pueblo, CO | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Norstate Federal Credit Union | Madawaska, ME | $280M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Mutual Federal Credit Union | Milwaukee, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Penn East Federal Credit Union | Scranton, PA | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn State Federal Credit Union | Bellefonte, PA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Puget Sound Cooperative Federal Credit Union | Bellevue, WA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saint Lawrence Federal Credit Union | Ogdensburg, NY | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Top Tier Federal Credit Union | Clarion, PA | $278M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Unity One Federal Credit Union | Fort Worth, TX | $276M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Western Vista Federal Credit Union | Cheyenne, WY | $281M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Weststar Federal Credit Union | Las Vegas, NV | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.75 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
U S Postal Service Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for U S Postal Service Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $366K | +$30K | +8.9% |
| Q1 2026 | $336K | −$24K | −6.7% |
| Q4 2025 | $360K | −$21K | −5.5% |
| Q3 2025 | $381K | +$22K | +6.1% |
| Q2 2025 | $359K | +$19K | +5.6% |
| Q1 2025 | $340K | −$25K | −6.8% |
| Q4 2024 | $365K | −$11K | −2.9% |
| Q3 2024 | $376K | +$29K | +8.4% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, U S Postal Service Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to U S Postal Service Federal Credit Union by share.
Amounts from U S Postal Service Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per item
per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee – Interest Checking | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee – Money Market Checking | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee – Savings (6 mo. grace period for new accounts) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account (no activity for more than 3 years) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA Annual/Application/Inactivity Fee | No chargeNot compared: Annual charge, not monthly | per year | None |
| Bad Address/Return Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Privilege Fee Per Item Presented | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned for Insufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry at non-USPS FCU ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transaction at non-USPS FCU ATM (Foreign Fee) (each) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement/Lost Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement - Rush Fee | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| VISA Foreign Transaction Fee | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Bank Wires | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment for Credit Union checks within 14 days after issuance | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment for personal checks (per check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| VISA Cash Advance Fee | 2%of the advance ($10 minimum) | per transaction | None |
| Returned Deposited Item (third-party check) | $20Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Lien/Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Loan Subordination - Charged for Home Equity loans subordinated to another financial institution | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Deposit Verification | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Application Resubmission Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where U S Postal Service Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 7 states (June 30, 2026)
Hover a state for its office count.
Cities with the most offices
| Capitol Heights, MD | 1 |
| Clinton, MD | 1 |
| Pittsburgh, PA | 1 |
| Raleigh, NC | 1 |
| San Fernando, CA | 1 |
| Tampa, FL | 1 |
| Washington, DC | 1 |
| Woodbridge, VA | 1 |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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