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Who Can Join
Membership is open to all Maryland USPS employees and their families.
Membership is open to Maryland-based U.S. Postal Service employees, retirees, and their extended family members. Once you join, your membership is yours for life—even if you move out of state, retire, or leave the USPS. Once a member, always a member!
Not a Maryland USPS employee? You can still JOIN.
You may still be eligible to join through one of our partner organizations. Click the button below for a complete list of affiliated groups—if you’re connected to any of them, you’re eligible to apply for POCUMD membership.
Free Membership Offer
Our gift to you and your family. For a limited time, we are waiving the membership fee for new members!
Already a member?
Share the gift of membership with your family and friends. As a POCUMD member, you already enjoy great rates and exclusive benefits. Share the love and encourage your family and friends to join our community.
Why Join POCUMD!
We operate by a "people helping people" philosophy that is hard to find at many other financial institutions
As a not-for-profit institution, POCUMD offers better rates on loans and deposit accounts
No matter how much money you have on deposit, you have an equal voice in how your credit union should be managed
Financial education is available to all members. POCUMD's goal is to help members become better-educated consumers of financial services
Joining POCUMD is easy. Open an account today, and you will automatically open the door to great, affordable services and customer care for life
How to Apply for Membership
If you'd like to become a member, please complete our Membership Application Form (PDF) and submit it using any of the following methods:
Email: info@pocumd.org
Fax: 410-727-0929
Mail: P.O. Box 22911, Baltimore, MD 21203-4911
In Person: Visit the POCUMD branch at 900 East Fayette St., Room 606, Baltimore, MD 21233.
Please use the downloadable Membership Application Form to apply.
INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person when opening a new account. What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license, social security card, or other identifying documents.
Online Membership Application - Temporarily Unavailable
As part of our ongoing technology enhancements, we're temporarily updating our membership application process. During this time, our online membership application will be unavailable. We apologize for any inconvenience this may cause and appreciate your patience while we complete these improvements. If you have any questions or need assistance with the application process, please don't hesitate to contact us. Our team is always happy to help.
Please use the downloadable Membership Application Form (PDF) to apply.
Membership Application Instructions
When you submit your application, you will need to include a check or money order for your initial deposit of $10.25 or more to open your Share Savings Account (includes a $0.25 processing fee to open the account). Make the check or money order payable to the Post Office Credit Union of Maryland. Cash is accepted if you sign up in person. If you are applying during our free membership promotion, you do not have to submit the $10.25 initial deposit requirement. The credit union will cover that for you. The free membership offer is valid through September 30, 2026.
Provide a copy of your Postal ID, and driver’s license or a valid picture identification that verifies your name, address, and other identifying information. If your ID doesn’t have the correct address, please submit a change of address card or proof of your current address. We will accept as proof, a phone or BG&E bill or any current US Postal mailing.
If you decide to add a joint owner to your account, please have them complete the application as well and send in a copy of their driver’s license, valid ID, and Social Security card. Non-USPS MD employees, that qualify for membership will need to provide a driver’s license and Social Security card with the application.