Personal Loans

Applying for a Personal Loan  

Lowest Rates in Town

Are you looking to consolidate debt, or maybe you need extra cash for home improvements, unexpected expenses, a dream vacation, car repair, or a large purchase? Ask about our low-rate personal loans for peace of mind with your finances. Take advantage of numerous personal loan offers throughout the year!

Back-to-School Loan - 8.05% APR*

Make the grade with smart savings!

Back-to-school doesn’t have to break the budget. Whether it’s crayons or college, we’re here to help you cover the cost without the stress.  Plan ahead. Apply today!

  • Borrow up to $3,500

  • 12-month term

  • 8.05% APR*

  • No payments for 90 days

  • Apply online in minutes

  • Pre-approval in 24 hours!

Take the first day of school in stride. Make your move with a Back-to-School Loan from POCUMD.

* 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 7/1/25 thru 10/15/25. Contact Credit Union for details.

Debt Consolidation Loan - 9.55% APR*

One Payment. One Low Rate.

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! Whether you’re planning a big event, managing unexpected expenses, or planning your dream vacation, we’ve got you covered.

  • 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

*APR is Annual Percentage Rate. 9.55% rate for qualified members with a credit score 680 and above. The 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 details.

Personal Loan Application Process

When applying for a loan, you will need 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.

To apply for a Personal Loan, please apply Online or complete the Loan Application form and return it via mail, email, fax or in person.

  • Online - Apply online in minutes. Get pre-approved in 24 hours.

  • 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.

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.