About Us

Like people, not all financial institutions are alike. People like you look for better alternatives to managing their money. U. S. Postal Service Federal Credit Union (USPS FCU) offers you an option. You can choose to eliminate high-interest loans and high fees by choosing to join our Credit Union. U. S. Postal Service Federal Credit Union is uniquely different from a bank, finance company, Savings & Loan, or Thrift. Once you join, you'll be immediately eligible for our low or no-fee financial services, lower interest rates for loans, and higher yields on investment and savings accounts, plus outstanding member services and the attention you deserve. Joining is easy. If you click here to see if you are eligible, just open a Share Account which represents your ownership in the Credit Union. Your share begins your lifetime of Credit Union benefits.

What is a Credit Union?

The credit union cooperative concept originated in Germany during the mid-1800s. A group of farmers, tired of high prices and outrageous interest rates, combined their money to buy supplies and establish a common pool for members to borrow from at lower interest rates. Today's credit unions are similar. A credit union is a member-owned and not-for-profit financial cooperative. Deposits provide money for members who need loans. Members usually earn higher dividends on savings and pay lower interest rates on loans. A volunteer board of directors is elected by members to manage a credit union. As of September 30, 2018, there are over 5,436 federally insured credit unions in the United States with more than 115.4 million members. Although credit unions have changed over the years to meet the demands of their members, our long-standing philosophy of 'People Helping People' has remained the same. USPS FCU is part of a long-standing tradition in personal financial management. USPS FCU has been serving its members since 1934 when it was founded to serve employees of the United States Postal Service. We now serve over 24,781 members. Our membership also includes members from several Select Groups (SG).

Board of Directors & Supervisory Committee

U. S. Postal Service Federal Credit Union is a member-owned and operated, not-for-profit financial cooperative chartered under federal law. USPS FCU has been providing sound financial support for its members for many years through the efforts of its Board of Directors, Supervisory Committee, and professional staff. Each group performs different functions to ensure the integrity and soundness of the Credit Union.

The Board establishes loan and savings policies and directs the affairs of the Credit Union. The Supervisory Committee oversees the financial affairs and strength of your Credit Union. If you would like to know more about the functions of your Board and Supervisory Committee, give us a call and/or attend the Annual Meetings.

Board of Directors

Michael E. McCartney

Michael E. McCartney


Mr. McCartney, a member of the Credit Union since 1981, served on the Board of Directors since 1996 and as Chairman for over 10 years. His last responsibilities before retiring included reporting on major capital investments to senior management and the Board of Governors. He earned a BS in Accounting and MPA and has over 30 years’ experience in various positions in finance with the US Postal Service.

Christina Lewis

Christina Lewis

Vice Chairman

Ms. Lewis has been a member since 2005. Currently, she is a Senior Field Accountant in finance. Her Postal career began providing administrative support to various managers and staff. Her responsibilities include accounting policy review, policy revision, and project management. While working for the Postal Service, she completed her BS degree in Business Administration from Trinity Washington University in 2014.

Thomas Dale Jr.

Thomas Dale Jr.

Secretary/Treasurer/Director of Finance

Mr. Dale has been a member of the USPS FCU since 1984, served on the Supervisory Committee for eight years, and has been on the Board for 11 years. He served as Secretary/Treasurer of the Board and has served three years on the Board of the American Bowling Congress. He retired after 42 years as an accountant in the USPS Headquarters Finance Group in 2008. He holds a BS degree in Business Administration from the University of Alaska, Juneau.

Richard E. Gatewood

Richard E. Gatewood

Director of Technology/Operations

Mr. Gatewood has been a member of the Credit Union since 1980. He has served on the Board as Chairman, Vice Chairman, Director of Operations/Technology and the Supervisory Committee for two years prior to being elected to the Board in 1991. He is a former Postmaster and retired Financial Systems Specialist, EAS-25, with the Postal Service in Revenue Assurance with 37 years of service. He graduated from Rutgers University with a BS in Accounting and has extensive credits in an Administrative Science Master’s Program at GW University.

Gilbert A. Ford, Jr.

Gilbert A. Ford, Jr.


Mr. Ford has been a member since 1990 and served on the Board for the past 20 years. He has served as Vice Chairman, Secretary Treasurer, HR Director, and Strategic Planning Director. His Postal Career includes working on national programs from a financial perspective. Mr. Ford holds a BS from Florida A&M University and an MBA in Accounting from LaSalle University.

Richard Yessian

Richard Yessian

Director of Human Resources

Mr. Yessian has been a member since 1972. Served 31 years at Headquarters Finance and Engineering before retiring. Currently, he is on the Board of Directors and previously Chairman of the Supervisory Committee. He has served the CU from 1992 to today. Mr. Yessian has multiple degrees emphasizing business and engineering from CUNY and NY University.

Brady Hayden

Brady Hayden

Director of Strategic Planning

Mr. Hayden, a member since 2016 has served on the Supervisory Committee since 2018. He has participated in the review of the CU’s internal controls and external audit reports. As CPA, he is currently Manager of External Reporting & Accounting Project at the USPS. He has spent the majority of his career within the financial services industry. Mr. Hayden has an MBA from the University of Rochester School of Business and a BS from Lipscomb University.

John Rosato

John F. Rosato

Director of Marketing

Mr. Rosato became a member in 2012. He is currently employed at the U.S. Postal Service as the Assistant Secretary of the Board of Governors. He has also served as a corporate law attorney in the U.S. Postal Service’s Law Department. Mr. Rosato holds a B.A. from the University of Richmond and a JD/MBA from the University of Connecticut. He is also the author of a published article examining the relationship between banking regulations and the 2007 financial crisis. He will actively seek out your concerns and work diligently to ensure USPS FCU’s continued success.

Charles McCullough II, Esq.

Charles A. McCullough, II, Esq.


McCullough has been a member since 1988. He served the USPS FCU Board as Chairman, Vice Chairman, and Director of Marketing (2009-2017). He served on the Montgomery County, Maryland Board of Education prior to working for the Finance Function at USPS Headquarters. He has worked in the General Counsel’s office of Harvard University, US General Services Administration and for the National Board as Counsel to the President (2006-2011). Currently, he is principal/founder of CoMcLLC, where he advises organizations that provide solutions to financial inequality. McCullough holds a BA from Pepperdine University and JD/MA from Boston College.

Supervisory Committee

Chairman: Carol Morgan

Member: Richard Strasser, Jr.

Member: Leonardo Green

Member: Robert Pedersen

If you are interested in volunteering for the Supervisory Committee or have any concerns that deal with integrity, accounting, internal controls or other auditing matters, please contact us at:

U. S. Postal Service Federal Credit Union
ATTN: Supervisory Committee
7905 Malcolm Road
Suite 311
Clinton, MD 20735-1730

USPS FCU Shared Vision, Mission, and Values

Our vision is to become the preferred financial institution for those we serve.

Our mission is to provide top quality service that helps members improve their financial lives.

We will achieve our shared vision and mission by believing and practicing our shared values of:

  • INTEGRITY: Be Honest and Respectful
  • SERVICE: We Care
  • INNOVATION: Easy Access, Everywhere
  • FISCAL STABILITY: Securing the CU's Future
  • EDUCATION: Helping members achieve financial independence

Read our Commitment to Diversity, Equity, & Inclusion and Statement of Social Responsibility.