About POCUMD

Our History

The Post Office Credit Union of Maryland, Inc. ("POCUMD") is the oldest Credit Union in the State of Maryland. The purpose of the Credit Union when the original charter was filed in 1929, remains quite the same today - "a financial cooperative, organized solely for the promotion of thrift among its members by the accumulation of their savings in small amounts and the lending of such accumulations to its members for provident and productive purposes at a moderate rate of interest."

Throughout the years, our name has changed, but the board and management of POCUMD remain faithful to the philosophies of our founders that state "once a member, always a member" and that "we exist for our members and not for profit, not for charity, but for service to our members, the owners, of the Post Office Credit Union of Maryland, Inc."

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Training

The Credit Union provides training to our staff on the latest technologies from a variety of highly rated companies and vendors. Additionally, our staff participates in various training opportunities provided by the Maryland and District of Columbia Credit Union League, Inc., Credit Union National Association ("CUNA") and other top trainers and providers to stay atop of the latest trends, products, services, and delivery channels in the credit union industry. By participating in these professional development courses, we are confident that we can offer our members the safest, most secure technologies and quality services.

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New Member Orientation

The Credit Union participates in the New Employee Orientation program, which is offered by the US Postal Service. We provide an introduction to the Credit Union and share what opportunities are available to new employees and their families by becoming part of our credit union family. We offer life time services - from a member's first payroll allotment up and through retirement.

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Holiday Closings

Post Office Credit Union of Maryland will be closed in observance of the following holidays for 2011:

• New Year's Day: Friday, December 31, 2010
• Martin Luther King, Jr. Day: Monday, January 17, 2011
• President's Day: Monday, February 21, 2011
• Memorial Day: Monday, May 30, 2011
• Independence Day: Monday, July 4, 2011
• Labor Day: Monday, September 5, 2011
• Columbus Day: Monday, October 10, 2011
• Veterans' Day: Friday, November 11, 2011
• Thanksgiving: Thursday, November 24, 2011
• Christmas: Monday, December 26, 2011
• New Year's Day: Monday, January 2, 2012

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Career Opportunities

Post Office Credit Union of Maryland prides itself on ensuring its members are treated with the highest level of professionalism. We look for those who embody our family-like culture, and we offer the training for our employees to be the best they can be within this organization. We see employment at the credit union not as a job, but a career.

Real Estate Underwriter

Description:

• Responsibilities will include, but are not limited to the following:
• Conduct advanced analysis of real estate loans;
• Make recommendations as to whether loans should be approved or denied to upper management;
• Prepare all loan documents and closing documents;
• Ensure documents and procedures adhere to all Federal and State statutes;
• Ensure information presented in loan files adhere to underwriting guidelines, policies and procedures;
• Examine all relevant stipulations, including title and appraisal, to make an informed decision on the loan status;
• Project a professional image and maintain confidentiality with all customer and sensitive data.

Requirements:

• Incumbent must be organized, detail oriented, possess excellent verbal, written and interpersonal communication skills.
• Potential candidate must be proficient with standard office equipment and computer programs such as MS Word, Excel and Outlook;
• At least 10 years of experience in underwriting real estate loans;
• Degreed candidates only apply.

Salary will commensurate with education and experience. Benefits include health and life insurance, and pension program.

When applying, be sure to send in a cover letter together with your resume to info@pocumd.org.

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Your Accounts Are Protected with ASI

Post Office Credit Union of Maryland, Inc. understands that recent news of the failure of FDIC-insured IndyMac in Pasadena, CA has resulted in some concern among our members. We would like to re-assure you by offering more information on American Share Insurance (ASI), the company which our members have chosen to insure their accounts.

Founded in 1974 by credit union activists, ASI is the nation's largest private deposit insurer for credit unions and has operated in a safe and sound manner since its incorporation. In its 34 years of operation no member of an ASI-insured credit union has ever lost money in an ASI-insured account.

American Share Insurance, (ASI), is an Ohio-based share guaranty corporation that insures consumer savings (share accounts) on deposit with state-chartered credit unions in selected states. Currently, more than one million credit union members across America rely on ASI to protect their life savings. ASI insures credit unions... and only credit unions!

ASI insures each account of an individual credit union member up to $250,000 without limitation to the number of accounts one member may have.

The corporation is licensed by the Ohio Department of Insurance and dual regulated by the Ohio Department of Insurance and Ohio Department of Commerce. Further, regulatory examiners from each state in which ASI operates are invited to participate in Ohio's annual examination of the corporation. ASI has always been, and continues to be, in good standing with regulators in all states of operation. Annually, ASI's financial statements are audited by a nationally recognized "Big 4" CPA firm and its loss reserves are certified by internationally recognized actuaries.

POCUMD's board of directors believes that ASI's program compliments the credit union's mission and commitment to member services. If you have any questions concerning your credit union's primary share insurance coverage, please visit www.americanshare.com, or call 800.521.6342. You can also submit your questions via e-mail at mail@americanshare.com.

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Privacy Notice Disclosure

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Third Party Links on POCUMD.ORG

Links are available on POCUMD's website that allow convenient access to other sites that may be of interest. Clicking on a link may take you out of POCUMD's website to an alternative website not operated by POCUMD. Post Office Credit Union of Maryland, Inc. is not responsible for content on third-party websites and does not represent either the third-party websites or the member, if he or she enters into a transaction. While we hope that these organizations join us in respecting your privacy, POCUMD is not responsible for the content, products, services, privacy practices and views of these third-party websites. Please realize that the links may not always be available, or the information presented on the sites might change. POCUMD is not responsible for the availability.

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POCUMD's Right to Amend

Post Office Credit Union of Maryland, Inc. reserves the right to amend this disclosure at any time without prior notice. This disclosure amends existing agreements the Credit Union has with you.

Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

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Post Office Credit Union of Maryland, Inc. is privately insured by American Share Insurance
up to $250,000 per account.

This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that
depositors will get back their money. Accounts with this institution are not insured by any state government.





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