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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 2010:
- New Year's Day: Friday, January 1, 2010
- Martin Luther King, Jr. Day: Monday, January 18, 2010
- President's Day: Monday, February 15, 2010
- Memorial Day: Monday, May 31, 2010
- Independence Day: Monday, July 5, 2010
- Labor Day: Monday, September 6, 2010
- Columbus Day: Monday, October 11, 2010
- Veterans' Day: Thursday, November 11, 2010
- Thanksgiving: Thursday, November 25, 2010
- Christmas: Friday, December 24, 2010
- New Year's Day: Friday, December 31, 2010
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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.
Currently, we do not have any career opportunities available.
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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
Post Office Credit Union of Maryland, Inc., your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our Credit Union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes non-public information from us as we conduct the business of the Credit Union.
If after reading this notice you have any questions, please contact us at: (410) 727-5469
or write to:
Post Office Credit Union of Maryland, Inc.
900 East Fayette Street, Suite 606
Baltimore, MD 21233-9810
INFORMATION WE COLLECT ABOUT YOU
We collect non-public personal information about you from the following sources:
- Information we receive from you on applications and other forms
- Information about your transactions with us
- Information we receive from a consumer reporting agency
- Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers or from other institutions where you conduct financial transactions.
- We do not collect any personal information from you. We do collect and retain information on an anonymous and aggregate basis such as: time and length of visit, pages accessed and Internet service provider used.
We may disclose all of the information we collect, as described above, as permitted by law.
PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose non-public personal information about you to the following types of third parties:
- Financial service providers, such as insurance companies.
- Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, plastic card processors, government agencies and mail houses.
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to non-affiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members with competitive products and services.
We may also disclose non-public personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, and follow your instructions as you authorize, or protect the security of our financial records.
To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to third parties.
DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you terminate your membership with Post Office Credit Union of Maryland, Inc., we will not share information we have collected about you, except as may be permitted or required by law.
HOW WE PROTECT YOUR INFORMATION
We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard our non-public personal information.
WHAT MEMBERS CAN DO TO HELP
Post Office Credit Union of Maryland, Inc. is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost of stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the Credit Union and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.
- Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
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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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