News and Promotions
Home Improvement Loan for 8.55% APR*
Big or small, we fund it all!
Interior Renovations, Yard Makeovers, New Appliances, Home Repairs, Basement Finishing, New Windows, and More…
Looking to transform your home? Whether it’s a dream renovation or a small upgrade, we make it happen with our Home Improvement Loan - the easiest way to get the funding you need!
Borrow up to $20,000
Flexible 60-month terms
Quick and easy online application
Pre-approval in 24 hours
90 days - No pay!
*8.55% APR - Promotional rate when you open a checking account with a debit card and set up a min. $100 direct deposit. Must be a homeowner and a well-qualified member.
*9.55% APR - Must be a homeowner and a well-qualified member.
* PERSONAL LOANS. APR is Annual Percentage Rate. Promotional rates are for well qualified members having a credit score of 680 and above. Rates indicated are the lowest rates. Quoted APRs are subject to change daily at the discretion of the Board of Directors. Open to all members who are eligible under current POCUMD underwriting guidelines. Limited-time offer runs from 4/1/25 thru 6/30/25. Contact Credit Union for details.
Earn up to $250 when you refer family and friends to POCUMD!
Sharing the benefits of POCUMD has never been more rewarding!
When you refer a family member or friend to join, you’ll get $50, and they’ll get $50 too—just for becoming a member. Plus, they’ll gain access to the lowest loan rates around and all the perks of POCUMD membership.
It’s a win-win! Start referring today and share the savings!
More family. More friends. More rewards.
Promotion ends May 31st, 2025.
You’re invited to POCUMD’s 96th Annual Meeting
RSVP no later than May 7th to save your spot!
The annual meeting is one of the year's highlights for our members. It’s a great opportunity to reconnect with friends, meet other members, and hear plans for your credit union in 2025.
Date: May 28, 2025
Location: Jimmy’s Famous Seafood Restaurant, 6526 Holabird Ave., Baltimore. MD 21224
Time: 6:00 PM - 9:00 PM
6:00 PM - Doors Open/Registration
6:15 - PM Hors D’Oeuvres/Drinks
7:00 PM - Business Meeting followed by Dinner
Cost: FREE to POCUMD Members*. Each member can bring one guest for $40.
RSVP*: By May 7th to Ineka Walker at iwalker@pocumd.org or 410-727-5469 ext. 107
*Reservation Fee: A $10 reservation fee will be reimbursed after we confirm that you attended the meeting by signing in at the registration desk before the start of the business meeting.
You must also have been a POCUMD member for at least 30 days before 5/28/25 to attend the annual meeting.
Contact the credit union at 410-727-5469 or info@pocumd.org if you have any questions.
Auto Loan Special - 2.99% APR*
On New, Used, or Refinanced Auto Loans
Take advantage of our special 2.99% APR auto loan rate, designed to help you save more while getting the car you want or refinancing your current loan to a lower rate. Whether you're upgrading to a new ride or cutting costs on your existing loan, we've got you covered.
With a quick and easy application process, you’ll be on your way to savings and convenience.
2.99% APR* - on New, Used, and Refinanced Auto Loans
No payments for the first 90 days
Maximum term - 60 months
Pre-approval in 24 hours
Limited time offer
Apply today. These rates won’t last!
With our online application system, you can easily apply for an auto loan from the comfort of your home or on the go. Say goodbye to lengthy paperwork and endless waiting. POCUMD ensures that your application is processed swiftly, getting you one step closer to driving off in your desired vehicle.
* 2.99% rate is for well-qualified POCUMD members only. Maximum loan terms apply (60-month term maximum. Rates for 72-84 months available). Quoted APRs are subject to change daily at the discretion of the Board of Directors. APR may vary based on creditworthiness, income, and term of loan. Rates indicated are the lowest rates available. Leased vehicle and existing POCUMD loans are not eligible. Limited-time offer runs from 1/1/25 - 3/31/25.
* APR is the Annual Percentage Rate. Quoted APRs are subject to change daily at the discretion of the Board of Directors. APR may vary based on creditworthiness, income, and term of loan. The rates indicated are the lowest rates available. For example, a $50,000 new car auto loan with a 48-month term with a fixed rate of 3.09% APR will result in an estimated monthly payment of $22.18 per $1,000. Contact 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 aged 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. 3.29% APR only available on new 2025, or 2024 vehicles with less than 5,000 miles. 3.49% APR available on 2024-2018 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. Limited time offer runs from 4/15/25-7/15/25.
Debt Consolidation Loan - 9.55% APR*
Make Life Easier. One Payment. One Low Rate.
Tired of juggling multiple high-interest credit card payments? Simplify your finances with our Debt Consolidation Loan at an unbeatable 9.55% APR. Combine your debts into one easy payment with one low rate, and start saving today!
But that’s not all—this loan is here to help with so much more! Whether you’re planning a big event, tackling home improvements, managing unexpected expenses, or even dreaming of travel, we’ve got you covered.
With flexible terms, fast approvals, and a process designed for your convenience, you can focus on the things that matter most—without the stress of high-interest debt holding you back.
Consolidate and save!
Rate: 9.55% APR*
Loan Amount: $3,000 to $25,000
Terms: 12 to 60 months
No payment for 90 days
Pre-approval in 24 hours
No early payoff penalties
Fast and Easy Application Process
With our online application system, you can easily apply for your loan from the comfort of your home or on the go. Say goodbye to lengthy paperwork and endless waiting. POCUMD ensures that your application is processed swiftly, getting you one step closer to making your life easier with fewer payments and more money in your wallet!
* PERSONAL LOANS. APR is Annual Percentage Rate. 9.55% rate for qualified members having a credit score of 680 and ablove. Rates indicated are the lowest rates. Quoted APRs are subject to change daily at the discretion of the Board of Directors. Open to all members who are eligible under current POCUMD underwriting guidelines. Limited-time offer runs from 4/1/25 thru 6/30/25. Contact Credit Union for details.
FREE Membership
We’ve extended our FREE Membership Offer.
Due to the huge success of our December Free Membership promotion, we’ve decided to extend the free membership offer to all Maryland USPS employees and their families for three more months!
We’re making it easier than ever for you and your family to enjoy the benefits of POCUMD membership.
From now through June 30, 2025, we’re waiving the $10.25 membership fee. Don’t miss this opportunity to unlock low rates, exclusive benefits, and the personalized service you deserve — all for free!
Apply online in minutes or complete the application form and mail, fax, email, or stop by the branch to drop it off. But don’t wait. This offer won’t be extended again.
To join the credit union please apply online or complete the Membership Application form and return it to us via:
Mail - P.O. Box 22911, Baltimore, MD 21203-4911
Fax - 410-727-0929
Email - info@pocumd.org
Drop it off - POCUMD branch location at 900 East Fayette St., Room 606, Baltimore MD 21233
Any questions, give us a call at (410) 727-5469. We’d love to help!
Already a member?
Share the gift of membership with your family members. From now through May 31, 2025, for every family member you refer to the credit union that joins, you will both earn $50. The more you refer, the more you’ll earn - up to $250!
As a POCUMD member, you already enjoy great rates and exclusive benefits. Share the love and encourage your family to join our community. It only takes a few minutes to join online.
POCUMD membership is open to all Maryland USPS employees AND their families.
Paying Too Much for Insurance?
Empowering You to Protect What Matters Most
You work hard for your money and to keep your budget on track. So why spend more than you have to for insurance you need to protect you and your family? Post Office Credit Union of Maryland members may qualify for discounts on insurance through TruStage.
TruStage works with national companies to help members save without losing any money. And when you save big, it can be easy to switch insurance carriers!
TruStage Products Available to POCUMD Members:
Auto and Home Insurance
Life Insurance
Accidental Death and Dismemberment Insurance - Members receive $1000 at not cost.
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
Credit union member discounts
Nationally recognized companies (Liberty Mutual, CMFG)
Friendly, 24/7-service – even on holidays
With over 20 million protected under their coverages, it’s an established firm that you can trust to protect and add value.
Check our TruStage page for program information and free quotes. Or visit the Post Office Credit Union of Maryland TruStage website page.
LIFE INSURANCE
CAR INSURANCE
HOME AND RENTERS INSURANCE
AD&D INSURANCE
Bank on the Go with Our Mobile App
It's never been easier to keep an eye on your finances. In fact, there's an app for that!
Simply search "POCUMD" in Google Play or the Apple App Store to download the official Post Office Credit Union of Maryland app.
Enhanced with more features!
Downloading the app will put your POCUMD account details in your hands. There are so many benefits.
View balances and transfer funds
Mobile check deposits (coming soon)
Open and fund new accounts
Apply for loans
Sign up for e-Statements and Text Banking
Find surcharge free ATMs
Request check withdrawals
Change your address or phone number
Contact YOUR credit union!
Get out your devices and download today!
Sign up for Online Banking!
Banking anytime from anywhere!
Are you set up with POCUMD Online Banking? With this free service, you can check your account balance, view recent transactions, download monthly statements, transfer money, apply for loans, and more! All 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, login or enroll. So don't wait - check out Online Banking today!
Feel free to contact us at (410) 727-5469 if you have any questions.
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, please call OPM at 1-888-767-6738 (TDD 1-800-878-5708), Monday - Friday, 7:30 a.m. - 7:45 p.m. Eastern Time to update your allotments. You will need the credit union's routing number (#252076578), 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, 8:00 a.m. - 4:00 p.m.
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
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.