Baltimore Inner Harbor


Tell High Interest To Hit The Road

Auto Refinance Offer

Auto Refinancing rates as low as 1.99% APR*!

Love your car but not your Auto Loan? We’ve had such a positive response to our Auto Refinance offer, we’ve extended it until the end of September. If we can’t lower your current payment by $50, when we refinance your Auto Loan, we’ll give you $50. When you refinance with us, you can receive rates as low as 1.99% APR* for new autos and as low as 2.49% APR* for pre-owned autos.

Bring your current loan documentation and apply today.

If you’re looking to purchase a new car, our new vehicle rate is 1.99% APR**. Save money by getting pre-approved before hitting the car lot. Take the dealer rebates and finance your vehicle with us.

Refinancing your Auto Loan with POCUMD is quick and easy and offers significant savings. Don’t delay – this offer expires September 30, 2018. Call us at (410) 727-5469, or come in and apply today!

*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 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 2019/2018/2017 vehicles, 2.49% APR available on 2016-2012 vehicles. Offer expires September 30, 2018. Maximum loan terms apply (60-month term maximum. Rates for 72-84 months available.). Credit Union reserves the right to extend payments over 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


Coming Soon!

Coming Soon!

We're excited to announce we will be upgrading our core computer system in October 2018 to better serve our members and their banking needs. We'll have a new home banking module, and a Phone/Voice response unit, along with other updates.

Please pay special attention to all communications you receive from POCUMD beginning now, and continuing throughout this upgrade. We’ll have messages delivered to you via email and in your mailboxes. We will also have a page dedicated to this conversion on our website: in the next few weeks where we will provide information about what you can expect along with important dates as we want to ensure a smooth transition for everyone thought this process.

You’re personal information, loan and deposit accounts will remain secure throughout this transition. We look forward to introducing you to our new and improved systems at Post Office Credit Union of Maryland.


Surf's Up! Catch the Wave of Savings
with a Vacation Club Account

The sun is out and the sand is hot! Have you got your bag packed and your surf board ready to “hang ten”? To start saving for next year, open a Vacation Club account now with a minimum deposit of $10.00. You can set up direct deposit and have a certain amount transferred each pay period. When July 1 rolls around next year, we’ll transfer this amount to your standard share savings, just in time to hit the beach!

Start saving for your next vacation now, by opening your account today!


A Back-To-School Loan Teaches
Dollars and Sense

home improvement loan

For many kids, gearing up for back to school is not nearly as fun as getting gifts for the holidays. But for many parents, it’s almost as costly, especially if they buy all those clothes, backpacks, and supplies with a high rate credit card. That’s why a Personal Loan from Post Office Credit Union of Maryland with rates as low as 6.80% APR* for back-to-school expenses is a smart choice.

Use it during the Maryland Back to School Sales Tax Holiday – August 12-18, 2018, and know you’ve made the smarter choice. They’ll be back in class before you know it.

Make sure you’re not tardy as the bell will ring on this special rate on September 30th, 2018. Come in and apply today!

*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. Open to all members who are eligible under current POCUMD underwriting guidelines. See Credit Union for details.


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.


There was an error in our last 4th quarter membership message. Please see below for the corrected amounts.

Honorarium, Fees, Compensation
Christmas bonus: Paid to Supervisory Committee $100 per member (excludes Supervisory Committee Chairman) 2017: $300
Estimate for 2018: $600



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Quarterly Express - Summer 2018
Quarterly Express - Spring 2018
Quarterly Express - Winter 2018
Quarterly Express - Fall 2017
Quarterly Express - Summer 2017
Quarterly Express - Spring 2017
Quarterly Express - Winter 2017
Quarterly Express - Fall 2016
Quarterly Express - Summer 2016