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Refinance Your Auto Loan with Us and Score a Franklin!

auto loa refinance

At Post Office Credit Union of Maryland, we take your financial well-being seriously.! With rates as low as 1.99% APR*, we feel that our Auto Loan Refinance rates can't be beaten - so much, we'd wager $100 that when we refinance your current auto loan, we can beat your current high rate auto loan.** If we can't, we'll give you a Ben Franklin ($100 bill) to put in your wallet.

It's easy - bring us your current auto loan paperwork, sit down with us, and we’ll save you money - it's that simple!

Act quickly - time is money, and this great deal is starting on April 15th and ending on July 15th, 2019. We'd love to send you home with some cash. Call us at (410) 727-5469 or stop by the Credit Union today and $AVE!

*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.
**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. $100 offer only applies to Auto Loans closed at POCUMD. APR = Annual Percentage Rate. 1.99% APR only available on new 2020, 2019, and 2018 vehicles no older than 6 months old, and less than 5,000 miles. 2.49% APR available on 2018-2012 vehicles. 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

Clean Up with Post Office Credit Union of Maryland!

Holiday Loan

You made it through the winter, and now that spring is here, it is time for spring cleaning. Whether you’re looking to consolidate those stray bills, purchase a new wardrobe, or go away on Spring Break, our Clean Up Loan is your best friend. With rates as low as 6.80% APR*, you’ll be able to borrow up to $3,500 and “clean up” with confidence, knowing you’ll be able to make those purchases and have affordable payments. Need a little more? We have other rates and terms available.

Clean up today by stopping into the Credit Union or call (410) 727-5469 as this limited time offer starts on April 15th and ends on July 15th.

*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.

90th Annual Member Meeting

annual meeting

Our 90th Annual Meeting is just around the corner, and we hope you can join us. Unlike other financial institutions, our Annual Meeting is open to all members.

We're celebrating this special event at Jimmy’s Famous Seafood located at 6526 Holabird Ave, Baltimore, MD 21224 on April 17, 2019. The doors open at 6:30 p.m. with the business meeting beginning promptly at 7:00 p.m.

If you plan on attending the Annual Meeting, please call the Credit Union and RSVP to Ineka Walker, or email to; iwalker@pocumd.org. Take this opportunity to meet other members and hear the plans for the upcoming year.

Express Mail

Express Mail - news

Keep your eyes open! In the next few months, we’ll be installing a new ATM at 900 East Fayette Street. This will make your banking needs even easier! Remember, you can find surcharge-free ATMs throughout the nation at www.moneypass.com.


Hit the Road with Our Auto Loan and We’ll “Grant” You $50!

Auto Loans

Start off your new year by saving cash – refinance your current auto loan! 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 exceptional rates as low as 1.99% APR* for new autos, and as low as 2.49% APR* for pre-owned autos.

Looking to buy a new vehicle instead of refinancing? Get the same great rates. Bring us your loan paperwork 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 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 April 31, 2019. 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.

Just Like the Temperature, Our Rates are Rising!

CDs

Spring is finally here and the temperatures are going up. What’s even better, our rates are rising! Now is the time to open a Share Certificate or IRA Certificate with rates ranging from 1.50% - 2.50% APY* with a few new “Special” term limits. We’ve also updated our rates on our Money Market Accounts with rates from 0.75% - 2.00% APY.* Save more with POCUMD.

All Certificates can be opened as IRAs, and dividends also are paid at maturity on those products. We also offer a competitive match – check our website, stop in, or call us at (410) 727-5469 and ask for more information and start saving today!

*APY (Annual Percentage Yield) subject to change daily at the discretion of the Board of Directors. Penalty assessed for early withdrawal. See Credit Union for details.

Stay Active with POCUMD

Holiday Loan

At Post Office Credit Union of Maryland we understand accounts go unused for a variety of reasons. You may have moved, you may have simply forgotten you had an account with us, or maybe a family member/parent opened an account for you years ago and you had no idea.

Credit union policy allows for a maintenance fee of $8.00 per month to be assessed on dormant accounts after 12 months of no activity. It’s easy to avoid having your account classified as dormant and being charged this fee. Simply make a deposit or withdrawal and you can avoid this maintenance fee.

If you have any questions about your account, the credit union, or the many services and products we offer, please give us a call at (410) 727-5469.

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 enterprisecarsales.com 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

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.

Newsletters

newsletters

Our newsletters are available in PDF format. PDF is a universal file format that preserves the fonts, images, graphics, and layout of any source document, regardless of the application and platform used to create it. For more information on PDF format, please visit www.adobe.com. Download the latest version of Adobe Reader.

Quarterly Express - Spring 2019
Quarterly Express - Winter 2019
Quarterly Express - Fall 2018
Quarterly Express - Summer 2018
Quarterly Express - Spring 2018