Savings Accounts

At Post Office Credit Union of Maryland, we are committed to providing you with the necessary tools to help you build a solid financial future. Open an account with only $10.00 and a direct deposit from your employer, and become a member and "Share" owner for life. Even if you move or change jobs, you will continue to enjoy the benefits of POCUMD's membership as long as your account remains active!

Get MORE with SharePLUS!

Post Office Credit Union of Maryland greatly values our members and strives to provide the highest quality account benefits, features and services. SharePLUS is designed as a “top of class” account with your lifestyle and security in mind! With SharePLUS, you will have access to many valuable benefits and services, all for a low $5.00 monthly maintenance fee, including:

  • SharePLUS Loan Rates
  • No Low Balance Fee on Share Draft (checking accounts)
  • Free debit card replacement
  • Professional Identity Theft Research and Recovery Services
  • Insurance for reimbursement of expenses incurred in recovering from identity theft up to $25,000*
  • Entitlement to proactive identity monitoring services**:
    • Credit Monitoring with alerts to significant changes in your Experian®, Equifax®, and TransUnion® credit files upon activation and identity authentication.
    • Convenient access to your TransUnion® credit score monthly on demand to help identify unexpected changes in your score’s movement.
    • Dark Web Monitoring which will scan the deep and dark web using sophisticated technology and alert you if your personal information or registered credentials have been compromised.
  • Mobile Phone Coverage** insurance coverage up to $500 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage, mechanical failure or theft.

Want to learn more about the identity theft and mobile coverage services? Already a member and want to activate credit services? Click Here

*Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. For Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, visit
**MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. Identity authentication is required to receive the benefits of credit monitoring and other monitoring. Monitoring alerts are provided by email and optional SMS text. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity. Certain terms, conditions and limitations apply to Mobile Phone Coverage, so it is important that you carefully review the “Electronic Device Protection Policy Summary - Terms and Conditions” on

Christmas Club Accounts

Don't want to dip into your regular savings account to pay for holiday gifts? Save all year long for the holiday season or for other specific needs such as property taxes, winter heating bills, or insurance. You can start saving at any time of the year. On October 1st, your savings is automatically deposited into your regular savings account, just in time for holiday shopping or to pay those year-end bills!

Vacation Club Accounts

Open a vacation club account with a minimum of only $10.00, and start saving for your dream vacation. Set up a direct deposit and have a certain amount transferred to your vacation club each pay period. Your vacation club is automatically transferred to your savings on July 1st each year... just in time for that well deserved dream vacation!

Money Market Accounts

Get a better return without all the risk and without tying up your funds. Just a $2,000 minimum deposit can launch you into a highly liquid, secure investment that pays premium dividends.

Individual Retirement Account (IRA)

You can save money on taxes and prepare for a more secure retirement with an Individual Retirement Account (IRA). Interest earned on your IRA is not taxed until you start withdrawing from the account. IRA deposits are fully insured up to $250,000, separately from other non-retirement accounts you have with POCUMD. What a secure way to save for your retirement!

Certificates of Deposit

Our Certificate of Deposit is a proven secure and safe way to invest your funds at high interest rates. POCUMD offers a 6-month CD, with a minimum deposit of $1,000.

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.

Retirement plans? Just inform OPM or the company issuing your retirement benefits that you wish to set up an allotment to continue saving or paying off your loan at POCUMD. As soon as you've received your last paycheck from the Post Office, you will need to provide OPM or the company issuing your retirement benefits with POCUMD's routing number and your full account number.