Personal Loans
Home Improvement Loan - 8.55% APR*
Big or small, we fund it all!
Interior Renovations - Yard Makovers - New Appliances - Home Repairs - Basement Finishing - and more..
Borrow up to $20,000
Flexible 60-month terms
Pre-approval in 24 hours
90 Days - No pay.
*APR is Annual Percentage Rate. 8.55% promotional rate when you open a checking account with a debit card and set up a min. $100 direct deposit. Must be a homeowner and a well-qualified member with credit score of 680 and above. 9.55% APR rate must be a homeowner and a well-qualified member. Limited time offer runs from 4/1/25 thru 6/30/25.
Debt Consolidation Loan - Apply Today!
One Payment. One Low Rate.
Simplify your finances with our Debt Consolidation Loan at an unbeatable 9.55% APR. Combine your debts into one easy payment with one low rate, and start saving today! Whether you’re planning a big event, managing unexpected expenses, or planning your dream vacation, we’ve got you covered.
Rate: 9.55% APR*
Loan Amount: $3,000 to $25,000
Terms: 12 to 60 months
No payment for 90 days
Pre-approval in 24 hours
No early payoff penalties
*APR is Annual Percentage Rate. 9.55% rate for qualified members with a credit score 680 and above. The rates indicated are the lowest rates. Quoted APRs are subject to change daily at the discretion of the Board of Directors. Open to all members who are eligible under current POCUMD underwriting guidelines. Limited-time offer. Contact Credit Union for details.
Lowest Rates in Town
Are you looking to consolidate debt, or maybe you need extra cash for home improvements, unexpected expenses, a dream vacation, car repair, or a large purchase? Ask about our low-rate personal loans for peace of mind with your finances. Take advantage of numerous personal loan offers throughout the year!
Applying for a Personal Loan
When applying for a loan, you will need the following items:
Signed and completed application.
A copy of your two most recent pay stubs (this is for applicants and co-borrowers if applicable).
If you receive Pension, SSA, or any other monthly benefit(s), please submit the annual certificate or a current bank statement.
If you are NOT a Postal Employee, contact your Human Resources or Personnel Department. They must verify your employment in writing. The verification should indicate how you are paid (weekly, biweekly, etc.), your position, and your date of hire.
Copy of your driver's license.
If you rent, please submit a copy of your lease agreement.
If the loan is to consolidate bills, please submit the original bills due to be paid.
Personal Loan Application
To apply for a Personal Loan please apply online or complete the Loan Application form and return it to us via:
Mail - Post Office Credit Union of MD, Inc., P.O. Box 22911, Baltimore, MD 21203-4911
Email - loans@pocumd.org
Fax - (410) 727-0929
In Person - Visit the credit union at 900 East Fayette St., Room 606, Baltimore MD 21233
Or call us at (410) 727-5469 with your contact information and we will mail or email you an application form for you to complete at your convenience.
Credit Life and Credit Disability Insurance
This is member-elect coverage that pays your loan when you cannot due to illness, accident, or death.
Payroll Deductions
You can have a portion of your pay automatically deposited into your POCUMD savings account or used to make a payment to your POCUMD loan. No more sending a check and wondering if it arrived on time. The Post Office requires that you sign up for Direct Deposit through its payroll department.