Personal Loans

Lowest Rates in Town

Do you need extra cash for a winter vacation, car repair, your kids' braces, or a large purchase? Or are you looking to consolidate debt?

Ask about our low-rate personal loans for peace of mind with your finances. Take advantage of numerous personal loan offers throughout the year!

Applying for a Personal Loan  

When applying for a loan, you will need to enclose the following items:

  1. Signed and completed application.

  2. A copy of your two most recent pay stubs (this is for applicants and co-borrowers if applicable).

    • If you receive Pension, SSA, or any other monthly benefit(s), please submit the annual certificate or a current bank statement.

    • If you are NOT a Postal Employee, contact your Human Resources or Personnel Department. They must verify your employment in writing. The verification should indicate how you are paid (weekly, biweekly, etc.), your position, and your date of hire.

  3. Copy of your driver's license.

  4. If you rent, please submit a copy of your lease agreement.

  5. If the loan is to consolidate bills, please submit the original bills due to be paid.

Personal Loan Application

To apply for a Personal Loan please complete the Loan Application form and return it to us via:

  • Online - Apply online through Online Banking.

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

  • Email - loans@pocumd.org

  • Fax - (410) 727-0929

  • In Person - Visit the credit union at 900 East Fayette St., Room 606, Baltimore MD 21233

Or call us at (410) 727-5469 with your contact information and we will mail or email you an application form for you to complete at your convenience.

Credit Life and Credit Disability Insurance

This is member-elect coverage that pays your loan when you cannot due to illness, accident, or death.

Payroll Deductions

You can have a portion of your pay automatically deposited into your POCUMD savings account or used to make a payment to your POCUMD loan. No more sending a check and wondering if it arrived on time. The Post Office requires that you sign up for Direct Deposit through its payroll department.