U S Postal Service Federal Credit Union

Headquarters: Clinton, Maryland
Charter: Credit Union
Assets: $280.3M
Fed district: Richmond

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
U S Postal Service Federal Credit Union: $30
U S Postal Service Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
U S Postal Service Federal Credit Union: $30
U S Postal Service Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
U S Postal Service Federal Credit Union: $2
U S Postal Service Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from U S Postal Service Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Minimum Balance Fee – Interest Checking$5
Minimum Balance Fee – Money Market Checking$10
Minimum Balance Fee – Savings (6 mo. grace period for new accounts)$10
Dormant Account (no activity for more than 3 years)$25
VISA Annual/Application/Inactivity FeeNo charge
Not compared: Annual charge, not monthly
per year
Bad Address/Return Mail$5

Overdraft & NSF

Overdraft$30
Overdraft Privilege Fee Per Item Presented$30
per item
Returned for Insufficient Funds$30

ATM & Card

ATM Balance Inquiry at non-USPS FCU ATM$2
Transaction at non-USPS FCU ATM (Foreign Fee) (each)$2
per item
Replacement/Lost Card$15
Debit Card Replacement - Rush Fee$45
VISA Foreign Transaction FeeNo charge

Wire Transfers

Domestic Bank Wires$30

Check Services

Official Checks$20
Stop Payment for Credit Union checks within 14 days after issuance$30
Stop Payment for personal checks (per check)$30
per item
Check Copy$10

Cash & Deposit

VISA Cash Advance Fee2%of the advance ($10 minimum)
per transaction
Returned Deposited Item (third-party check)$20

Account Services

Garnishment/Lien/Levy$50
Loan Subordination - Charged for Home Equity loans subordinated to another financial institution$150
Deposit Verification$5

Other Fees

Statement Copy$5
Loan Application Resubmission Fee$25

Fee	Amount	Basis	Note
Account Maintenance
Minimum Balance Fee – Interest Checking	$5	Not stated	None
Minimum Balance Fee – Money Market Checking	$10	Not stated	None
Minimum Balance Fee – Savings (6 mo. grace period for new accounts)	$10	Not stated	None
Dormant Account (no activity for more than 3 years)	$25	Not stated	None
VISA Annual/Application/Inactivity Fee	No chargeNot compared: Annual charge, not monthly	per year	None
Bad Address/Return Mail	$5	Not stated	None
Overdraft & NSF
Overdraft	$30	Not stated	None
Overdraft Privilege Fee Per Item Presented	$30	per item	None
Returned for Insufficient Funds	$30	Not stated	None
ATM & Card
ATM Balance Inquiry at non-USPS FCU ATM	$2	Not stated	None
Transaction at non-USPS FCU ATM (Foreign Fee) (each)	$2	per item	None
Replacement/Lost Card	$15	Not stated	None
Debit Card Replacement - Rush Fee	$45	Not stated	None
VISA Foreign Transaction Fee	No charge	Not stated	None
Wire Transfers
Domestic Bank Wires	$30	Not stated	None
Check Services
Official Checks	$20	Not stated	None
Stop Payment for Credit Union checks within 14 days after issuance	$30	Not stated	None
Stop Payment for personal checks (per check)	$30	per item	None
Check Copy	$10	Not stated	None
Cash & Deposit
VISA Cash Advance Fee	2%of the advance ($10 minimum)	per transaction	None
Returned Deposited Item (third-party check)	$20	Not stated	None
Account Services
Garnishment/Lien/Levy	$50	Not stated	None
Loan Subordination - Charged for Home Equity loans subordinated to another financial institution	$150	Not stated	None
Deposit Verification	$5	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None
Loan Application Resubmission Fee	$25	Not stated	None

Correct a fee source

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.

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