News and Promotions
97th Annual Meeting — May 27, 2026
Please join us as we celebrate 97 years of service to our members. The Annual Meeting is one of the highlights of the year for our members. It’s a great opportunity to reconnect with friends, meet other members, and hear plans for your credit union in 2026. Space is limited, so reserve your spot today!
When: May 27, 2026
Where: Jimmy’s Famous Seafood Restaurant, 6526 Holabird Ave., Baltimore, MD 21224
Time: 6:00 pm - Doors Open for registration/hors d’oeuvres; 7:00 pm - Business meeting followed by dinner/drinks. Doors will close at 6:45 pm until the business meeting is over.
Cost: The event is free to all POCUMD Members. Each member can bring one guest for $40.
RSVP by May 6th. Call 410-727-5469 x108 or email Je’Taun Irby at jirby@pocumd.org. Space is limited.
*Reservation Fee: There will be a $10 reservation fee, which will be reimbursed after confirmation of your attendance.
High-Rate CDs
A Safe Harbor for Your Savings
For nearly 100 years, POCUMD has been a trusted financial guide for our members and their families. Like a lighthouse steering ships safely to shore, you can trust us to safeguard your savings with strength, stability, and experience.
Limited-Time CD Rates:
9-Month CD – 4.25% APR*
12-Month CD – 4.00% APR*
$500 Minimum deposit
Insured
Limited time only
How to Open Your CD:
Call: 410-727-5469 - We can open your CD over the phone.
Email: info@pocumd.org - Let us know you’re interested in opening a CD, and a Customer Care Rep. will contact you within 24 business hours.
In Person: Visit the branch at 900 East Fayette St., Suite 606, Baltimore, MD 21233. We are open Monday - Friday between 8:00 AM and 4:00 PM
Request Form: Complete the form below. Select Submit. A Customer Care Rep will contact you within 24 business hours.
POCUMD membership is required to open a Certificate of Deposit.
Click on “How to Join” for information about POCUMD Membership.
Auto Loan Special - 2.99% APR
Your road to savings starts here!
Hit the road this spring with a low-rate auto loan from POCUMD. Whether you’re buying new, used, or looking to refinance your current loan from another lender, our 2.99% APR* promotional rate can help you save more mile after mile.
With fast approvals, flexible terms, and some of the lowest auto loan rates around, there’s never been a better time to make your move.
Don’t miss your exit — this special offer ends June 30, 2026.
Terms up to 72 Months
No payments for 90 days
Apply online in minutes
Pre-approval within 48 hours
Quick access to funds
With our online application system, you can easily apply for an auto loan from the comfort of your home or on the go.
* 2.99% rate is for well-qualified POCUMD members only. Maximum loan terms apply - 72-month term maximum. Rates for 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 vehicles and existing POCUMD loans are not eligible. Limited-time offer runs from 1/1/26 - 6/30/26.
* 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 2026, or 2025 vehicles with less than 5,000 miles. 3.49% APR available on 2025-2019 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 1/1/26-6/30/26.
Home Improvement Loan - 8.55% APR*
Spring Upgrades. Low Rates.
Spring is the perfect time for home upgrades. With low-rate financing from POCUMD, your next project may be more affordable than you think.
This spring, turn that vision of a modern, open-concept space or a cozy, sun-drenched sanctuary into your reality. With our Home Improvement Loan, you don’t have to wait to create the home you deserve.
Borrow up to $20,000
Flexible 60-month terms
Quick and easy online application
Pre-approval in 48 hours
90 days - No pay!
Click on the link to apply online - or - complete and submit a printed application form.
To submit your completed printed application form chose any of the following methods:
Mail: Post Office Credit Union of MD, P.O. Box 22911, Baltimore, MD 21203
Fax: [410] 727-0929
Email: loans@pocumd.org
In Person: 900 E. Fayette St., Suite 606, Baltimore, MD 21233
If you have any questions or need help, contact us at 410-727-5469 or info@pocumd.org. We're here to help!
* PERSONAL LOANS. APR is Annual Percentage Rate. Promotional rates are for well qualified members. 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. Contact Credit Union for additional details.
New - Debt Protection with LifePlus
Financial Protection for the Unexpected
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why we now offer DEBT PROTECTION, which CANCELS ALL OR PART OF YOUR LOAN, up to the maximum specified in your contract.
Debt Protection Covers:
Involuntary unemployment
Disability
Death
Life Plus Adds Extra Protection for:
Accidental dismemberment
Terminal illness
Hospitalization or family medical leave
Death of a non-protected dependent
Key Benefits:
Easy to apply and starts immediately.
Affordable, fits into your monthly payment.
Peace of mind in various challenging situations.
Important Notes:
It’s optional and doesn’t affect your loan application or terms.
You can cancel anytime, with a full refund if canceled within 30 days.
Eligibility requirements and exclusions apply—ask for details.
Take a step toward financial security.
Applying for a loan? Remember to ask about Debt Protection with Life Plus today!
POCUMD Credit Card - 0.00% APR!
Enjoy A Low 0.00% APR* introductory rate for the first six months.
Take advantage of low rates, great rewards, and the convenience of carrying a card backed by your trusted credit union.
0.0% APR intro rate for the first six months
Choose from two card options - Value card or Rewards card
No annual fees
Robust reward programs
Fast and easy online application
Apply for your new credit card today!
The POCUMD Credit Card is also available to non-members. Tell your friends and family about this great credit card offer and apply for their own POCUMD Mastercard® today.
Our Card Holder Assistance team can answer all your questions! Call 888-450-1842.
* Terms apply. For questions contact Card Holder Assistance at 888-450-1842. 24 hours a day, 7days a week, 365 days a year.
FREE POCUMD Membership
Share the Gift of Membership with our FREE Membership Offer.
We’re making it easier than ever for you and your family to enjoy the benefits of POCUMD membership.
From now through June 30, 2026, we’re waiving the $10.25 new account 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.
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.
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.
TruStage Insurance Services
Empowering You to Protect What Matters Most
Paying too much for Insurance?
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 no 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
Mobile App
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!
Online Banking
Bank from Anywhere – Anytime!
Are you ready to take your banking to the next level? With POCUMD Online Banking, managing your money has never been easier—or more convenient!
This FREE service lets you:
Check your balances
View recent transactions
Download monthly statements
Transfer money in seconds
Apply for loans right from your screen
and so much more—all with just a few clicks!
It’s fast. It’s easy. It’s eco-friendly.
Whether you're at home, at work, or on the go, POCUMD Online Banking keeps you connected to your finances 24/7.
Don't wait—log in or enroll today and experience the freedom of online banking!
Questions? We're happy to help—just give us a call at (410) 727-5469.
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
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