OUR SERVICES

Our services are all designed to meet your individual needs.  We pride ourselves on the quality of our service. Our services and products include the following:

SHARE ACCOUNTS

A share account is a Credit Union savings account. A member must maintain a minimum balance of $50.00 in the account after three months. The National Credit Union Administration insures each account up to $100,000.00 Share accounts pay interest from the day of deposit to day of withdrawal. Dividends are declared and paid quarterly. Dividends are posted to account the first day of the new quarter. The divided rate and APY may change every dividend period as determined by the Board of Directors.

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

DIRECT DEPOSIT

Use Direct Deposit & Save!

Time’s a precious commodity. You can definitely save some by using direct deposit. Surveys have shown that a person can spend as much as 24 hours a year going to the credit union to deposit his or her own checks. Why not make time for other things? Have payments you get on a regular basis—like paychecks, retirement checks and social security checks—put directly into your account at Wilmington Postal Federal Credit Union. Your money will be deposited on time even if you’re ill or out of town.

Direct Deposit and Payroll deduction are free services offered by your Credit Union.

Postal employees use PostalEase to set up allotments. In most cases you may have part or all of your payroll come directly to the Credit Union for your share accounts, Holiday/Vacation Club account, loan payments or all three.

Postal annuitants use OPM (Office of Personnel Management) to set up allotments.

Non-postal employees should contact their human resources departments.

You may have your bi-weekly net pay directly deposited to your account choosing the "net to bank" option through PostalEASE. This is recommended if you own a share draft account.

SHARE DRAFT ACCOUNTS (checking)

ELECTRONIC BILL PAYMENT (EBP)

FREE with all share draft accounts

Electronic Bill Payment (EBP) is a service that makes it simple and convenient to pay your monthly bills. All you have to do is verify that the amount you have been billed is correct and then schedule the payment. Your credit union will do the rest!

The credit union's EBP system is accessible by clicking on the Electronic Bill Payment link. You can schedule recurring payments of the same amount (i.e. mortgage), and by retaining the contact information of the payee, your bill payment history speeds the process of paying billed amounts that vary from month to month (i.e. credit card).

If you have any questions or would like to sign up for the credit union's Electronic Bill Payment service, please contact the credit union.

ALLPOINT

Never pay an ATM surcharge again!

Wilmington Postal FCU hs teamed up with Allpoint Network to give you 32,000 ATMS nationwide. These ATMs are already closer than you think, in businesses like Target, Sunoco, Save-a-lot, Zingo's, & Rite Aid. Click above to locate the closest ATM to you and start getting surcharge -free ATM access everywhere today.

MONEY MARKET ACCOUNTS

Earn dividends with transaction account. A $2,000.00 minimum deposit required. FREE checks.

SHARE CERTIFICATES (CDs)

Terms are 6 to 60 months with as little as $500.00 deposited. A dividend rate is guaranteed throughout the term. These funds can be used as collateral for a Wilmington Postal FCU loan. Accounts are insured by NCUA up to $100,000.00.

HOLIDAY CLUB & VACATION CLUB ACCOUNTS

It's not too late to start saving for next year's Holiday/Vacation!

Sign up now for your Holiday Club/Vacation Club Savings Account!

Holiday Club accounts begin in November and close the following year on October 31st. Vacation Club begins in May and closes April 30^th of the following year.  Dividends will be paid on the account using the average daily balance method used as in share accounts. No withdrawals are permitted. A $10.00 fee will be charged if account is closed before the end of the account period.

Payment to the Holiday Club/Vacation Club can be automatically deducted from your paycheck and deposited in your account bi-weekly. All checks will be distributed in early November/April, and your Holiday Club/Vacation Club will automatically begin the next year.

Please see your branch representative or visit the Credit Union Office to open your Holiday/Vacation Club!

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

LOANS

Wilmington Postal Federal Credit Union makes borrowing easy and convenient. Whether your borrowing needs are to buy a new or used vehicle, to fix up your home or for a much needed vacation - we are ready to assist you! Tap into your Home Equity, open a line of credit or a fixed rate loan. Low rates and quick application processing.

Our loan department has grown to offer our members a wide array of choices. Join today! Qualified members may apply for a loan on the date of membership.

For your convenience we offer the following loan services to our members

• Signature Loans: Up to a maximum amount of $5,000.00 • Vacation Loans: Up to a maximum amount of $1,500.00 • Christmas/Holiday Loans: Up to a maximum amount of $1,500.00 • New/Used Automobile Loans • Motorcycle/RV Loans • Share Secured Loans • Home Equity Loans • Home Equity Line of Credit

Click here to access the rates page. Terms and conditions are subject to change by the Board of Directors.

Notes: You must be a member of Wilmington Postal Federal Credit Union Wilmington, Delaware to apply. If you are declined for a loan, click here for free adverse credit report action reports via Trans Union’s website.

INSURANCE

Members are automatically enrolled in Wilmington Postal Federal Credit Union’s Loan Insurance plan and Life Savings (share insurance) Insurance plan. These are just two more great benefits of being a member.

Share Insurance
Your regular share account has life insurance coverage of up to $3,000.00 at no additional cost to the member. The coverage depends upon the member's age at the time of deposit. The deposit must remain in the account. Please ask for Member Certificate S-606-607.

Loan Insurance
At no additional cost to the members, the Credit Union provides life insurance to the borrower up to a maximum of $10,000.00. Coverage depends upon age and physical requirements at the time the loan is granted. Please ask for members certificate S-509-500 that explains the various terms and requirements.

Gap Insurance
GAP is a low-cost insurance that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

Credit Disability
MEMBER’S CHOICE™ credit disability insurance to help protect you from unexpected income loss due to disability. Credit disability insurance makes your monthly loan payment should you become disabled due to a covered illness or injury.

Check with your loan officer for more details.

Auto, Homeowners, Life, AD&D
Click below to access Online Services.

MISCELLANEOUS (Wire Transfer Services, Notary, ACH)

• No fee Notary service • Wire transfer service domestic & foreign • ACH (Automated Clearing House) Transactions Accepted • Family & lifetime membership