Baltimore Inner Harbor

News

91st Annual Meeting
Rescheduled for June 21 at 1 p.m.

Annual Meeting

Our priority is the wellbeing of those in the Post Office Credit Union of Maryland, from our members to our employees, and surrounding community. With the coronavirus (COVID-19) causing concern about gathering in public and traveling, we are here, as always, to serve our membership.

In light of the recent State of Emergency declared by Governor Hogan for the coronavirus (COVID-19), Our Annual Meeting has been rescheduled for June 23rd at 1 p.m. at the credit union. Please contact Ineka Walker if you are interested in attending as we will have limited seating. 

Spread the Sunshine
with a Spring Break Loan

Spring Break Loan rates as low as 7.05% APR*

You deserve a break – and so do your finances. We're spreading the sunshine with a Spring Break Loan that will lighten your load. Whether you’re interested in consolidating debt, renovating your home, or paying for an unexpected expense, a loan from Post Office Credit Union of Maryland helps you live your life.

Just in time for spring, enjoy rates as low as 7.05% APR* and borrow up to $3,500. You can even score a rate as low as 6.85% APR* by opening a Checking Account with a new POCUMD Debit Card and a $100 Direct Deposit.

Call us at (410) 727-5469 for more information, or to make an appointment and start your Spring Break now!

*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 7.05% APR will result in an estimated monthly payment of $86.55 per $1,000 financed. Open to all members who are eligible under current POCUMD underwriting guidelines. Limited-time offer runs from 4/16/2020 – 7/15/2020. See Credit Union for details.

Cruise Into Savings

low rate auto loan

It’s time to stop and smell the flowers. An Auto Loan from Post Office Credit Union of Maryland lets you slow down and take in the scenery with rates as low as 2.29% APR* on new and 2.49% APR* on pre-owned vehicles.

Roll down the windows and cruise into savings in a new or pre-owned vehicle with help from us. Plus, add a bit of color to your wallet with $50 in cash when you close your Auto Loan with us. Open a Checking Account with a POCUMD Debit Card and a $100 Direct Deposit and receive a rate as low as 2.09% APR*!

It’s a breeze to apply! Simply call us at (410) 727-5469 for more information, or to set up an appointment, fill out your paperwork, and get on the road.

*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 2.29% APR will result in an estimated monthly payment of $42.67 per $1,000 financed. Limitedtime offer runs from 4/16/2020 – 7/15/2020. See Credit Union for details.

Spring Forward with POCUMD

auto loan refinance

Spring forward on your auto loans and refinance with Post Office Credit Union of Maryland. Lower monthly payments puts money back in your wallet.

Financing your auto at the dealer or through another financial institution could end up costing you too much. Our Auto Loan Refinancing rates clock in as low as 2.29% APR.* Bring your current auto loan paperwork to us, and if we can’t beat your current auto loan, we’ll give you $100.**

Make this deal a little greener by opening a Checking Account with a Debit Card and a $100 Direct Deposit and get rates as low as 2.09% APR.*

Don’t wait until this deal runs out! Call us at (410) 727-5469 and schedule an appointment with us 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 creditworthiness. For example, a loan with a 24-month term with a fixed rate of 2.29% APR will result in an estimated monthly payment of $42.67 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. 2.29% APR only available on new 2021, 2020, and 2019 vehicles no older than 6 months old, and less than 5,000 miles. 2.49% APR available on 2020-2014 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 4/16/2020 – 7/15/2020.

More Savings. More Possibilities.

Love My Credit Union Rewards

There are more reasons than ever to love being a member of Post Office Credit Union of Maryland

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Post Office Credit Union of Maryland membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

  • Credit union members get $200 when you switch to Sprint! Plus, $100 Annual Loyalty Cash Rewards and 25% off select accessories in Sprint retail stores.
  • Credit union membership also saves you up to $15 on TurboTax federal products.
  • Members save on SimpliSafe, the #1 expert pick for home security.
  • Save 30% on premium identity protection from Financial Lock.
  • Save on car maintenance + get $10 off your first service using CarAdvise.

Learn all about how your Post Office Credit Union of Maryland. membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Phone lines only w/ 1 line on Unlimited Plus or Unlimited Premium plan. Avail. for eligible credit union members & member employees. $100/line, max 2 lines. Req. activ. at point of sale. Excl. prepaid & ports made between Sprint or related entities. Limit 1 Sprint Perks Corp ID per acct. No add’l. discounts apply. Loyalty Reward: $100/acct./yr. when acct. remains active and in good standing each yr. Transfer Reward: Existing Sprint customers who validate or transfer to the Sprint Cash Reward Program are eligible for a $100/acct./yr. deposit on 12 mo. anniversary. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 8-10 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 10 wks., visit lovemycreditunion.org/reward-tracker. Satisfaction Guarantee: Call us to deactivate & return to place of purch. with complete, undamaged phone/device & receipt w/in 30 days of activ. We’ll refund your phone/device cost, svc. charges & activ. fee. Excl. int’l. usage not incl. in plan, prem. content & 3rd party billing. We’ll refund your phone/device cost. Sprint dealer may impose add’l. fees. A $45 restocking fee may apply. Visit sprint.com/returnssprint.com/returns. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Accounts that cancel lines within 30 days of activating on promo pricing may void savings. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2019 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Tax Season is Also Theft Season

Tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security Number, to file a tax return claiming your refund. According to the IRS, reversing the damage caused by tax related identity theft can be a frustrating and complex process for victims. In addition, scammers will use tax season as an opportunity to commit fraud, pretending to be the IRS, and asking consumers for cash. Protecting your identity is critical year-round but especially important during the busy tax season.

With a SharePLUS account from POCUMD, you have identity fraud remediation professionals standing by to help restore your identity should someone else file taxes in your name. With this protection, you may also be eligible for a tax refund advance while a dedicated Identity Recovery Advocate assists in completing your remediation, which could take months to resolve. Give yourself a fighting chance and learn the best way to stay protected from the devastating effects of tax-related identity theft.

Find out more by calling our office at (410) 727-5469 today!

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.

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, 8:00 A.M. - 4:00 P.M.

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, 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

newsletters

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Quarterly Express - Spring 2020
Quarterly Express - Winter 2020
Quarterly Express - Fall 2019
Quarterly Express - Summer 2019