Baltimore Inner Harbor


We Can Make Holiday Wishes Come True

Holiday Loan

Whether it’s something for yourself, or everyone on your gift list, a Holiday Loan from Post Office Credit Union of Maryland can make all your wishes come true – for less! From October to February, apply for some extra cheer with rates as low as 6.80% APR*, you can pick up the “it” gift of the season, plan a winter getaway, throw a holiday party, or pay down some high interest accounts. This loan can do all of those things!

If you didn’t open a Christmas Club account to save money for this season, it’s not too early to start saving up for the 2019 holiday season. We’ll put the money you saved in your account next October 1 for you to shop ‘til you drop and be ready for the next holiday! Come by the credit union to get started.

*Quoted Annual Percentage Rates (APR) are subject to change daily at the discretion of the Board of Directors. Rates indicated are the lowest rates. APR may vary based on your credit score over the past 3 years and general creditworthiness. For example, a loan with a 12-month term with a fixed rate of 6.80% APR will result in an estimated monthly payment of $86.00 per $1,000 financed. See Credit Union for details.


Pick of the Patch
Choose an Auto Loan or Refinance!

Auto Refinance Offer

Auto Refinancing rates as low as 1.99% APR*!

Some things are too good to pass up. This is one of those things! Here is your last chance to save money by refinancing your current auto loan with us in 2018. Here is our winning promise – if we can’t lower your current payment by $50 when we refinance your Auto Loan, we’ll give you $50.*

We’re also offering the best rates for new and pre-owned automobiles. Ride into fall in style with rates as low as 1.99% APR** for new vehicles, and as low as 2.49% APR** for pre-owned – you’ll have the pick of the patch!

We make the process fast and easy. Bring in your loan paperwork for refinancing, or get pre-approved before you shop for your new car. Pick a winner – Post Office Credit Union of Maryland.

*Good on all qualified automobiles with approved credit. Vehicles financed through dealer with 0% financing not eligible. Leased vehicle and existing POCUMD loans are not eligible. Open to members age 18 or older in good standing, who have made all loan payments on time on the vehicle in question, and are eligible under POCUMD underwriting guidelines. Verification of income required. APR = Annual Percentage Rate. 1.99% APR only available on new 2019/2018 vehicles no older than 6 months old, and less than 5,000 miles. 2.49% APR available on 2017-2011 vehicles. Offer expires December 31, 2018. Maximum loan terms apply (60-month term maximum. Rates for 72-84 months available). Credit Union reserves the right to extend payments over the longest term to lower payments. This may impact the interest rate of the loan.
**Quoted annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors. Rates indicated are the lowest rates. APR may vary based on creditworthiness. For example, a loan with a 24-month term with a fixed rate of 1.99% APR will result in an estimated monthly payment of $42.54 per $1,000 financed. See Credit Union for details.


Dormancy Reminder

Our goal as a credit union is to save you money. That is why we want to touch base with you to make sure your accounts stay active.

Constantly monitoring account activity is an integral part of the security we provide members. To maintain costs and comply with state regulations, accounts that are inactive for 12 months or more are charged an $8.00 per month fee until they are either activated or closed. After 3 years of no activity, dormant accounts will be turned over to the State of Maryland.

Avoiding this fee is simple. All you have to do is perform a financial transaction from your Savings or Checking Account like making a deposit, withdrawal, payment, or a transfer at least once every 12 months. It’s that easy!

Checking Your Way

holiday loan

The top recommended tips to manage a checking account include automation for deposits, knowing your balance, saving money, and avoiding extra banking fees. Our Checking Account services have you covered for day-today financial health!

A Checking Account from Post Office Credit Union of Maryland is another one of our great benefits of Credit Union membership. Open an account with $50 and also receive discounts on movie tickets, attraction parks, affordable insurance, free notary service, and much more. If you or someone you know hasn’t opened their account yet, now is the time!


Save Time and Money On Your
Next Car Purchase

United Buying Service (UBS)

United Buying Service (UBS) has been helping members save money with vehicle purchases since 1967. Their success in serving members is based on pre-negotiated prices, years of experience, as well as specially trained sales representatives and dealerships.

UBS Benefits:

  • Time: No more tiresome, stressful, and lengthy negotiating process
  • Peace of mind: Avoid retail sales pressure, inaccurate trade values, and phantom inventory
  • Discounts: Get discounts on the purchase of most foreign and domestic automobiles
  • Dealers Cost: Get factory option pricing at dealer cost
  • Rebates: Get the rebate from the manufacturer
  • Audit & Refund Policy: Qualify for the UBS Audit & Refund Policy (for new vehicles upon request)

Combine this with our Auto Loan, and know you’ll save money in the long run. Call UBS direct at (301) 657-1920, or call the credit union at (410) 727-5469 for more information on this Member Benefit..


2 New Ways to Get Paid and Save!


Yes, there is a way to make money – open either a 9-Month CD with an interest rate of 1.50% and an APY (Annual Percentage Yield) of 1.51%* , or a 15-Month CD with an interest rate of 2.00% and an APY of 2.02%*. We love helping our members save money. Don’t miss out on this limited time special. Open your CD today!


*Annual percentage yields (APY) are subject to change daily at the discretion of the Board of Directors. $10,000.00 minimum to open these certificates


Invest in Your Grandchildren’s Future

share savings account

You gave your children life, and in return, they gave you grandchildren. Return the joy your grandchildren bring by investing in their future with a POCUMD Share Savings Account. A Share Savings Account provides the necessary tools to help you build a solid financial future for your grandchildren. Open their account with only $10.00 and you’ll set them up to become a member and “Share” owner for life.

Visit us today to start establishing the future for the special child in your life with a Share Savings Account.


Enterprise Auto Sales

Enterpise Car Sales

Haggle Free Buying!

Looking for a new to you vehicle? Enterprise Auto Sales has the vehicle you are looking for.

  • 12-month/12,000-mile limited powertrain warranty 1
  • Vehicle certification
  • 12-month roadside assistance 2
  • Free CARFAX reports
  • 7-day repurchase agreement 3

Why waste your time haggling over prices when you can get a guarantee like that? Just come
to POCUMD for pre-approval on your loan, and you'll be ready to go! Call us today at 410-727-5469.

* Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. All vehicle inventory is available by visiting or an Enterprise Car Sales location and asking for assistance in finding an available vehicle in Enterprise Car Sales’ nationwide inventory. Delivery of vehicles outside local area may require transfer fee. 1 Limited warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager. 2 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. 3For a period of seven days after the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager. The "e" logo, Enterprise and "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2016 Enterprise Car Sales. G02367 DR DI 12/15 KD


It's Win - Win

referral bonus

If you enjoy all the benefits of being a POCUMD member, go ahead and share with your
co-workers or family members! You'll get $10.00** for each new member you refer who joins POCUMD and opens an account. Remember, membership is open to all Maryland postal employees and their families. Start referring today, because everyone wins!


*New Member must complete New Member Referral Bonus form when opening their account.
**$10.00 is awarded after 6 months if the new member's account remains in good standing
and maintains the $10.00 minimum balance.


Save More with a Share Draft Account.

save more with a share draft account

Now it's even easier to save! Open a POCUMD Share Draft account with just $50*, and start earning interest today**! This versatile account allows you to write checks while earning a little extra cash for a rainy day. Ask us today about how to get started!


*If balance goes below $50.00, a $9.00 Share Draft fee will be charged.
**Dividends paid quarterly.


Sign up for Online Banking!

sign up for online banking

Are you set up with POCUMD Online Banking? With this free service, you can check your account balance, pay your bills, and transfer money with just a few clicks of the mouse. It's easy, convenient, and a "green" way to do your banking.

To get started with Online Banking, print out the Internet Banking Service Agreement and Disclosure Statement. Once you've read through the document, just sign page 5 and send it or bring it to POCUMD. We will give you an initial password, which you will change to your own preferred password once logged onto the site.

So don't wait - check out Online Banking today!

Internet Banking Service Agreement & Disclosure Statement (pages 1 -4, legal size)

Internet Banking Service Agreement & Disclosure Statement (page 5, letter size)

Applications can be faxed to 410-727-0929 or mailed to:

Post Office Credit Union of MD, Inc.
P.O. Box 22911
Baltimore, MD 21203-4911

You may also stop by our office Monday - Friday, 8:00am - 4:00pm.


Message to our Members Retiring from the Post Office 

Congratulations on your retirement from the Post Office! You have arrived at an important milestone in your life. You can now stop living to work, and begin working to live!

We also want to thank you for being a loyal member of POCUMD. Remember, retirement from the Post Office does not affect your membership eligibility with the Credit Union. Once a member, always a member!

To transition smoothly into retirement, call OPM at 1-888-767-6738 (TDD 1-800-878-5708), Monday - Friday, 7:30am - 7:45pm Eastern Time to update your allotments. You will need the Credit Union's routing number, followed by your account number. If you do not have the routing number, contact us and we will provide it for you.

Our friendly staff is more than happy to assist you with any questions or concerns. Call us at 410-727-5469, Monday - Friday, 8:00am - 4:00pm.

Once again, congratulations on your retirement, and be sure to make good use of your membership with POCUMD. Why not share your secret? Membership is available to all family members! Open an account for your spouse, children, grandchildren, or any other family member.

Note: There is no limit on the amount you may deposit into any of your accounts.



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Quarterly Express - Fall 2018
Quarterly Express - Summer 2018
Quarterly Express - Spring 2018
Quarterly Express - Winter 2018
Quarterly Express - Fall 2017