Share Accounts

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

  • 9-Month CD – 4.25% APR*

  • 12-Month CD – 4.00% APR*

  • $500 Minimum deposit

  • Limited time only

How to Open Your CD

  • 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.

Click on “How to Join” for information about POCUMD Membership.

How to Join

*APR = Annual Percentage Rate. 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. .

Share Draft (Checking) Account

Checking That Works for You

At POCUMD, we believe managing your money should be simple and stress-free. That’s why our Checking Account is designed with the features you need and none of the extra costs.

  • Only $50 to Open – Start with a low opening balance.

  • No Monthly Maintenance Fees – Keep more of your money where it belongs.

  • Built-In Overdraft Protection – Added peace of mind for life’s surprises.

  • Surcharge-Free ATM Card – Convenient access to your funds without extra charges.

It’s just one of the many perks we’re proud to deliver to our members every day.

To open a POCUMD checking account, call 410-727-5469.

Share (Savings) Account

At POCUMD, your savings work harder for you. Whether you’re building an emergency fund, setting money aside for future plans, or simply getting started, our Savings Account is the first step toward reaching your goals.

  • Open with just $10 – Easy to get started.

  • Competitive Dividends – Watch your money grow.

  • Safe & Secure – Your funds are federally insured.

  • Member-Only Perks – Unlock access to loans, special promotions, and more.

Join today and experience the benefits of saving with your credit union—the oldest in Maryland, built by postal employees for postal employees.

SharePLUS Accounts

A SharePLUS account is designed as a “top of class” account with your lifestyle and security in mind! With a SharePLUS account, you will have access to many valuable benefits and services, all for a low $5.00 monthly maintenance fee.

SharePLUS Account Benefits Include:

  • SharePLUS Loan Rates

  • No Low Balance Fee on Share Draft (checking accounts)

  • Free debit card replacement

  • Identity Theft and Mobile Phone Coverage Services

    • Professional Identity Theft Research and Recovery Services

    • Insurance for reimbursement of expenses incurred in recovering from identity theft up to $25,000*

    • Entitlement to proactive identity monitoring services**:

      • Credit Monitoring with alerts to significant changes in your Experian®, Equifax®, and TransUnion® credit files upon activation and identity authentication.

      • Convenient access to your TransUnion® credit score monthly on demand to help identify unexpected changes in your score’s movement.

      • Dark Web Monitoring which will scan the deep and dark web using sophisticated technology and alert you if your personal information or registered credentials have been compromised.

    • Mobile Phone Coverage** insurance coverage up to $500 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage, mechanical failure, or theft.

Click on the link below for more information about identity theft and mobile coverage services, or to activate your services if you have a Share Plus account.

Identity Theft and Mobile Coverage Services

*Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. For Evidence of Coverage for Identity Theft Expense Reimbursement Insurance, visit pocumd.nxgstrategies.com.
**MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. Identity authentication is required to receive the benefits of credit monitoring and other monitoring. Monitoring alerts are provided by email and optional SMS text. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity. Certain terms, conditions, and limitations apply to Mobile Phone Coverage, so it is important that you carefully review the “Electronic Device Protection Policy Summary - Terms and Conditions” on pocumd.nxgstrategies.com.

Christmas Club Savings Account

Make the holidays brighter without touching your regular savings. A Christmas Club Account helps you set aside money year-round—not just for holiday gifts, but also for expenses like property taxes, heating bills, or insurance.

  • Open with just $10 – Start saving anytime during the year.

  • Automatic Payout – On October 1, your savings are transferred to your regular savings account.

  • Ready When You Need It – Perfect timing for holiday shopping or year-end bills.

Start your Christmas Club Account today and enjoy the peace of mind that comes with being prepared. Call 410-727-5469 to get started.

Vacation Club Savings Accounts

Our Vacation Club savings account is designed to help you save specifically for traveling or that big trip you’ve been dreaming of.  

Open a vacation club account with a minimum of only $10.00 and start saving for your dream vacation.  Set up a direct deposit and have a certain amount transferred to your Vacation Club each pay period. Your Vacation Club savings are automatically transferred to your savings account on July 1st each year... just in time for that well-deserved dream vacation!

Turn your travel dreams into reality with a Vacation Club Account. It’s the simple way to set aside money just for your next getaway.

  • Open with just $10 – Get started anytime.

  • Save Effortlessly – Set up direct deposit and build your vacation fund each payday.

  • Automatic Payout – On July 1, your savings transfer straight into your regular account—perfect timing for summer travel.

Open a Vacation Club savings account today and make your dream vacation a reality. Contact us at 410-727-5469 to start saving today.

Money Market Accounts

Get a better return without all the risk and without tying up your funds. Just a $2,000 minimum deposit can launch you into a highly liquid, secure investment that pays premium dividends.

Individual Retirement Account (IRA)

You can save money on taxes and prepare for a more secure retirement with an Individual Retirement Account (IRA). Interest earned on your IRA is not taxed until you start withdrawing from the account. IRA deposits are fully insured up to $250,000, separately from other non-retirement accounts you have with POCUMD. What a secure way to save for your retirement!

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.

Retirement plans? Just inform OPM or the company issuing the retirement benefits that you wish to set up an allotment to continue saving or paying off your loan at POCUMD. As soon as you've received your last paycheck from the Post Office, you will need to provide OPM or the company issuing your retirement benefits with POCUMD's routing number and your full account number.

Certificate of Deposits

Our Certificate of Deposit is a proven, secure, and safe way to invest your funds at high-interest rates. POCUMD offers a 6-month CD with a minimum deposit of $1,000. For more information call the credit union at 410-727-5469 or email info@pocumd.org.

*APR = Annual Percentage Rate. 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./a>.