Home Sweet Home Improvement

Looking to “sweeten” up your “Home Sweet Home” by upgrading the appliances, landscaping the front yard, or some other type of home project? Post Office Credit Union of Maryland can get you the tools that get the job done with our new Home Improvement Loan!

Tackle smaller projects up to $7,500 with rates as low as 7.49% APR* for up to 48 months, or borrow up to $15,000 with rates as low as 8.99% APR* up to 72 months for a larger project, such as designing a custom closet with top end shelving, replacing the roof, or maybe installing a pool – the possibilities are endless.

Save the money you would have spent on paying off high rate home improvement store credit cards, and use that money to freshen up your home with this fantastic offer!

Act now before the summer is over, and apply online, come in to the credit union, or
call (410) 727-5469 and make it a Home Sweet Home!

*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.


On the Road Again

We all love a good road trip. Windows down, music playing and the wind blowing in your hair. Make this summer's journey even better with a new car! With rates as low as 1.99% APR*, you’ll be able to hit the open road with lower payments, so stopping for gas and a snack will not break your budget.

Make the car shopping process less stressful and more efficient by getting pre-approved before you shop so you know how much car you can afford. Our loan specialists will work with you and walk you through the whole process

Finance with Post Office Credit Union of Maryland to let the savings roll and the summer driving fun begin! Apply online or call (410) 727-5469.

*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.


Invest in Your Grandchildren’s Future

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

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:

  • 12-month CD
  • Opening Deposit - $1000.00
  • Interest Rate – 1.15%
  • APY – 1.16%

Stop in today and open one today!


It's Win - Win

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.

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!

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.


Make Payments Anywhere, Anytime with Bill Pay!

When you sign up for Bill Pay with POCUMD, you'll enjoy convenience, savings, and security.

Any member with a Share Draft Account can sign up for Bill Pay. You can receive and pay your bills electronically, anywhere and anytime. You can also schedule single or recurring payments in just a few steps. Never worry again about missing a bill or being charged late fees!

What's more, Bill Pay allows you to keep tabs on your payments with ease. Past, present, and future payments can be viewed at a glance. e-Notifications are also available to send you quick reminders when payments are due or when bills are paid.

Enhanced security is one more reason to use Bill Pay. It helps guard against identity theft from lost or stolen checkbooks and bills. You'll have increased privacy, because only you can access your account information, account numbers, and payment history.

If you have already signed up for Online Banking, just log into your account and click on Pay My Bills to register.

If you have not signed up for Online Banking, register here. Print out the forms (legal sized paper), sign them, and either fax them to: 410-727-0929, bring them in to our office, Monday - Friday, 8:00am - 4:00pm, or mail them to:

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

Once you're signed up, just log into your account and click on Pay My Bills to register.

Remember, you must have a Share Draft Account in order to use Bill Pay. If you want to add a Share Draft Account, simply complete an application. Just indicate that you want to add a Share Draft to your account. Mail or fax your completed application to us. (Please include a copy of your driver's license.)

If you have any questions, stop by our office or call us at 410-727-5469, 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 - Summer 2015