Certificate of Deposits

High Rate CDs

A Safe Harbor for Your Savings

For nearly 100 years, POCUMD has been a trusted financial guide for our members and their families. Like a lighthouse steering ships safely to shore, you can trust us to safeguard your savings with strength, stability, and experience.

Limited-Time CD Rates

  • 4.33% APY* - 9-Month CD

  • 4.07% APY* - 12-Month CD

  • $500 minimum deposit

  • Limited time only

How to Open Your CD Account

Choose the method that is easiest for you!

  • Call: 410-727-5469 - We can open your CD over the phone.

  • Email: info@pocumd.org - Let us know you’re interested in opening a CD, and a Customer Care Representative will contact you within 24 business hours.

  • In Person: Visit the branch at 900 East Fayette St., Suite 606, Baltimore, MD 21233. We are open Monday - Friday between 8:00 AM and 4:00 PM

  • Request Form: Complete the form below. Select Submit. A Customer Care Rep will contact you within 24 business hours.

Why Save With POCUMD?

  • The oldest state credit union in Maryland, serving members for nearly a century

  • A safe, stable place to grow your savings

  • Deposits are fully insured, so your money is always protected

  • Member-focused service you can rely on

POCUMD membership is required to open a Certificate of Deposit.

Membership is open to all current and retired Maryland USPS employees and their families. If you are not an MD USPS employee, you may still be eligible to join through one of our partner organizations.

Click on the Affiliated Organizations button for a complete list of affiliated groups - if you’re connected to any of them, you’re eligible to apply for POCUMD membership and take advantage of these great CD rates!

Affiliated Organizations
How to Join

*APY = Annual Percentage Yield. Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. The minimum balance to open a certificate is $500. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty. Single term only. CD accounts will not automatically renew at maturity and will not pay dividends after the maturity date.