Baltimore Inner Harbor



Auto Refinance Offer

If We Can’t Save You Money, We’ll Give It To You!!

Searching for lower monthly payments on your auto? Refinance through Post Office Credit Union of Maryland and start saving today*. If we can’t reduce your monthly payment by at least $50 when we refinance your auto loan, we will give you $50! When you refinance with us, you will receive an exceptionally low rate, as low as 1.99% APR* for new autos and as low as 2.49% APR* for used autos.

Bring your current loan documentation and apply today at one of our convenient locations.

Not looking to refinance, but purchase a vehicle? We can get you on the right road with rates as low as 1.99% APR**. Get pre-approved before you hit the dealer’s lot. Take their discount or rebate and finance with us. You’ll save money in the long run.

With Post Office Credit Union of Maryland, you have nothing to lose – get on the road by calling 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 2018/2017 vehicles, 2.49% APR available on 2016-2012 vehicles Offer expires July 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 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.


89th Annual Member Meeting

Annual Meeting

This is the official last call invitation for our 89th Annual Member Meeting on April 18, 2018. Join us at our NEW meeting location, ( located on 6723 Holabird Ave., ( for news about the Credit Union, food, fun, and more! As a member of the Credit Union, you’re also a part-owner and have a say in how the Credit Union operates. Take this opportunity to meet our new CEO, Joseph Amellio, and hear about the direction he has planned for the Credit Union in 2018/2019. The doors open at 6:30 p.m. with the business meeting beginning promptly at 7:00 p.m. We can’t wait to see you there. .


Looking to Clean up all those Holiday Expenses
or Take a Well Deserved Vacation?

home improvement loan

Our Spring Clean Loan Gets It Done!

It’s easy to let holiday spending get out of control. Now that the holidays are over, roll all your bills into one low monthly payment. With fixed rates as low as 6.80% APR*, you can borrow up to $3500 for up to one year with a Spring Clean Loan from Post Office Credit Union of Maryland. Looking to pay off any remaining holiday expenses or other small loans, maybe it’s time for a Spring Break trip or Summer getaway, or perhaps a remodeling project? This will help you take care of it. Looking for a larger loan or a longer term? We also have other competitive rates and terms available.

Act now as this limited time offer ends on July 31, 2018. Stop in to the branch or call us at
(410) 727-5469 and start your Spring cleaning 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.


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


We've added a new product to our family (Savings Family)!


Just a quick note to all of our members - we just added a new product to our Savings family!
We're proud to introduce a new Certificate of Deposit:

Stop in today and open one today!


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 - 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
Quarterly Express - Spring 2016