Post Office Credit Union of Maryland

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What's New

Holiday Loans are here!

Download your loan application today.

For more information, please call us at 410.727.5469 or stop by our office at 900 East Fayette St., Suite 606, Baltimore, MD 21233.

Let DIRECTV Pay You to Subscribe

Thanks to a partnership with Post Office Credit Union of Maryland and the Invest in America Member Rewards program, members can now get DIRECTV at a great value - plus cash in their checking or savings account! And when you subscribe, we'll make a donation to the Children's Miracle Network.

When you subscribe to DIRECTV through Member Rewards, you'll receive:

$60 off* of your subscription, on top of other DIRECTV promotions
$15 deposited into your credit union checking or savings account
$10 donated from DIRECTV and Invest in America to the Children's Miracle Network

Additionally, Get 5 Months FREE when you get NFL SUNDAY TICKET for just $54.99/mo for 5 months. (On approved credit; credit card required; New customers only; Additional Terms Apply)

As a DIRECTV customer, you'll receive:

America's #1 rated satellite TV service for the past 15 years
Service ranked higher in customer satisfaction over major cable providers - for 9 years in a row
The most HD channels
More sports channels

Ever think that watching TV would put money in your account and help make children's dreams come true? Well, now's the time to make it happen. Save, invest and donate with DIRECTV. To learn more about DIRECTV and the Invest in America Member Rewards program, speak to a POCUMD member representative or visit http://www.lovemycreditunion.org/DIRECTV_531.html.

*$60 off is a $5/month savings for the first 12 months of your new DIRECTV subscription.

Savings Keep Growing with Invest In America

POCUMD is proud to be a participant of Invest in America. Invest in America is a membership enhancement program that offers our members discounts on products and services provided by U.S. based companies. This partnership not only gives our members' valuable discounts, but it also increases sales for our participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone.

As a member of Post Office Credit Union of Maryland, you can receive the following money-saving discounts*:

General Motors is making their Supplier Pricing available to members on most new GM vehicles. This discount is on top of other current incentives. Purchase offers: Members save thousands with Preferred Pricing on top of most current incentives! By using the link below, members can build their own vehicle and immediately see their savings. http://www.lovemycreditunion.org/GM_171.html
Allied: Credit union members can save up to 60% on out-of-state and/or local moving and storage needs. http://www.lovemycreditunion.org/Allied_Moving_and_Storage_170.html
FTD is giving members $15 off of flowers and gifts. You can choose from items like roses, Vera Wang exclusive floral designs, spa sets, chocolates, wine baskets and so much more. http://www.lovemycreditunion.org/FTDs_384.html
CU Benefits Express: (http://www.lovemycreditunion.org/CU_Benefits_Express_412.html) Choose from three different plans. 1) Medical Plan with discounts from 14 providers at $14.99/mo; 2) Lifestyle Plan with discounts from 13 providers at $14.98/month, or; 3) a combined plan with all 27 providers at $28.95/mo.
CompleteTax: (http://www.lovemycreditunion.org/CompleteTax_449.html) Credit union members receive an exclusive 30% discount when completing and e-filing tax returns. Compared to other leading providers, members save 56% on their online tax preparation services.
ShopAmerica: (http://www.lovemycreditunion.org/ShopAmerica_585.html) Members have access to over 1,200 on line merchants including many top brands such as Target, Best Buy, Home Depot, The Apple Store and more. When credit union members shop through ShopAmerica they earn cash back rebates from these merchants.

POCUMD is here to help our members save with respected U.S. companies at a time when everyone needs it most. To learn more about Invest in America and any of the above discounts, speak to a member representative or visit LoveMyCreditUnion.org.

*Details and restrictions on discounts from the following companies can be found at LoveMyCreditUnion.org: Chrysler Group LLC, General Motors, Allied, FTD, CU Benefits Express, ELS Properties and CompleteTax. Offers valid as of 1/1/10.

Announcing a New Airport Parking Partnership!

Post Office Credit Union of Maryland has negotiated a special parking rate with Airport Fast Park, Baltimore's best airport parking facility at BWI -- Blue lot for only $6.40* per day and Red lot for only $7.40* per day. Just use your Frequent Parker Card when entering and exiting.

To ensure you receive your special rate of $6.40* per day, all POCUMD travelers must enroll in the Airport Fast Park Frequent Parker Program via http://www.airportfastpark.com using POCUMD's name and promotional code: 0326207. You must enter the promotional code and note Post Office Credit Union of Maryland during the enrollment process in order for your discount to be applied correctly.

*Excluding tax

Make Your Dreams Come True With a Fixed Rate Home Equity Loan!

With POCUMD's affordable Fixed Rate Home Equity Loan, your goals and dreams are within reach. The funds that you need to achieve them can be found in the equity of your house. With a Fixed Rate Home Equity Loan, you have the flexibility to do whatever you dare to dream about - purchase a new car or recreational vehicle, take a family vacation, make home improvements, consolidate high interest debt, pay that college tuition bill that will be arriving soon, and more.

This affordable loan offers lots of advantages:

Enjoy the spending power you need
Relax knowing that your rate and your monthly payments are fixed
Benefit from a deduction at tax time (consult your tax advisor to be sure)
Rates as low as 6.50%*

The Fixed Rate Home Equity Loan program is a closed-end, fixed rate loan, secured by a lien against your home. The amount of the loan depends on the amount of equity in your home. Also, if you currently have a variable-rate Home Equity Line of Credit from another lender, it makes a lot of sense to lock it in right now with POCUMD, while rates are still low.

Download our Home Equity Application, call us at (410) 727-5469, or visit our office at 900 East Fayette Street, Suite 606, Baltimore, Maryland 21233 to apply for your Home Equity Loan in just minutes. Apply today and make your dreams a reality!

*Annual Percentage Rate. Rates are subject to change and depend upon credit worthiness.

auto2

Download the Vehicle Loan Application, and return the completed form to our office for your convenience.

The Magic of Saving

phone Hocus-pocus - my money grew! Well, maybe it's not that easy to save, but by teaching kids from a young age, it can be. As they grow to teens, they'll have one of the most difficult aspects of saving under their belt - being consistent.

Here are just a few examples to help teach kids of different ages about the magic of saving:

Have young children -preschool age- sort different types of money into piles by color and size.
Play grocery store or credit union/bank. Help them use a pretend cash register.
At the grocery store, let kids of all ages help you shop. Teach them how to comparison shop - for example, show them that for every $4.99 box of cereal, there may be similar brands on sale for half as much.
As kids get older, share sales receipts and bills that you receive for items or services you've purchased for them.
If you decide to pay your kids an allowance, don't just establish one as parents. Sit down with them and discuss allowance amounts and what they should use their allowance for. The amount is your call, but allow them input. One idea is to have children set aside part of their allowance for spending, part for saving, and part for sharing. Clarify what you'll pay for and what they should be responsible for. For example, when you're at the movies, maybe you agree to pay for a small drink and popcorn, but the Milk Duds are on them.
Show children what compounding interest means. Explain that as kids save, they're constantly earning dividends on their savings - on top of that, they're earning dividends on their dividends.
As kids reach high-school age, clarify what you will pay for and what your children are responsible for. For example, your kids may want the newest style of tennis shoes that come with a really high price tag. Establish what you'd pay for athletic shoes - say, $50. If they still want the more expensive pair, have them make up the difference. Often, once the responsibility of paying for items is on kids, the latest, greatest fashions aren't so important.

Get your kids started right financially and see how many bunnies - we mean monies - they can pull out of their hats. For more information, stop by our office or call (410) 727-5469.

Your Deposits are Protected with ASI

October 16, 2008

Last week we all watched in awe as Congress debated, amended and passed one of our nation's most historical acts of legislation: HR 1424 - the Emergency Economic Stabilization Act of 2008. The bill was signed into law by President Bush on Friday, October 3, 2008, and it is estimated that it will cost this country over $850 billion over the long run.

We would like to bring to your attention the fact that the Act raises the federal insurance limit (FDIC account coverage is for banks) from $100,000 to $250,000 per bank depositor until December 31, 2009. Please note that this is only a temporary increase, which expires December 31, 2009.

At POCUMD, each one of your separate accounts is insured to $250,000 and has been for years, through our private insurer ASI.

This new law is designed to benefit the depositors at those financial institutions, insurance companies and investment firms that hold mortgage-related investments that have lost value.

POCUMD holds none of these types of investments. Furthermore, we are here to serve our members who live on "Main Street," not "Wall Street." We make our investments in our members, not in exotic high-risk securities.

Based on our safety and soundness throughout the past 79 years, our commitment to look out for the interest of our members, and our continued stability in the economic market, we would like you to know that we do have market secure savings options to fit your immediate needs:

6 months CD: 3.00% APR, 3.04% APY
Money Market ($2,000 min. dep.): Tiered rates up to 2.75% APR, 2.78% APY
Savings Account: 1.75% APR, 1.76% APY

Please remember that Post Office Credit Union of Maryland, Inc. is a not-for-profit organization. Our philosophy is all about people helping people. We are the oldest Credit Union in the State of Maryland.

If you're looking for a safe place to stash away your savings, now is the best time to make that move! Transferring your savings to POCUMD is easy. Stop by or give us a call today at 410-727 5469. We are here to serve you!

*Listed rates effective September 30, 2008 - December 31, 2008. No longer applicable.

Get Your IRA Back on Track

Individual Retirement Accounts (IRAs) keep your money working for you by allowing any earnings the opportunity to grow on either a federally tax free or tax-deferred basis. These tax advantages allow IRAs to compound more quickly than taxable accounts. This means more money for you in retirement.

At Post Office Credit Union of Maryland, we offer Traditional IRAs, which allow any earnings to grow tax-deferred, and contributions may be tax-deductible.

This is a great opportunity for you, whether you are just starting to save, or to get your existing retirement goals back on track. Contribute the maximum of $5,000 for the 2009 tax year. The earlier you contribute, the longer your money has to work for you.

Come in today and start saving for a better tomorrow!

New POCUMD ATM Cards

Our ATM cards have a new look! If your POCUMD ATM card does not resemble the one shown here, give us a call or stop in our office so that we may replace it with a new one, free of charge.

To view our Newsletter in Flash, please click here.

asi Post Office Credit Union of Maryland, Inc. is privately insured by American Share Insurance ehl
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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