Business Details
50+ Years
experience
Your Trusted Partner for Financial Services in Baltimore
Founded in 1929, our credit union has served Maryland communities for over nine decades with a steadfast commitment to financial cooperation. We operate under the core principles of thrift promotion and member-focused service, offering savings accumulation and affordable lending solutions. Our philosophy of 'once a member, always a member' reflects our dedication to long-term relationships with account holders. As a not-for-profit financial cooperative, we prioritize member needs over profit generation. Our experienced team delivers personalized banking services while maintaining strict adherence to financial regulations and ethical standards.Through technological innovation, we provide modern solutions like mobile banking and 24/7 account access while preserving traditional values. Our longevity demonstrates our ability to adapt to changing financial landscapes while maintaining core founding principles. We maintain transparency in all operations, ensuring members understand our fee structures and rate determinations. Our community involvement extends beyond financial services, supporting local initiatives that align with our cooperative mission. This combination of experience, technology, and member-centric approach has sustained our reputation as a trusted financial institution.
Services
Share Accounts
Auto Loans
Personal Loans
Motorcycle Loans
Share Secured Loans
Online Banking
Mobile App
Account Transfers
eStatements
Text Banking
Details
- Year established: 1929
Highlights and features
- We offer over 90 years of experience in community-focused banking
- Our mobile app provides 24/7 account access with security features
- We maintain transparent fee structures and rate disclosures
- Our not-for-profit structure benefits member financial outcomes
- We combine traditional values with modern digital banking solutions
Services
Share Accounts
Our share accounts allow members to build savings with competitive annual percentage yields. These accounts serve as ownership stakes in the credit union while earning dividends. Minimum balance requirements and tiered rate structures ensure accessibility for all members, with funds available for withdrawal while maintaining account eligibility.
Auto Loans
We provide auto loans with fixed interest rates determined by creditworthiness and loan terms. Our financing options cover new and used vehicles with flexible repayment periods. Members benefit from pre-approval processes and competitive annual percentage rates that consider individual financial circumstances and credit history.
Online Banking
Our online banking platform enables 24/7 account management through computers or mobile devices. Features include balance checks, fund transfers, loan applications, and eStatement access. Security protocols protect transactions while maintaining user-friendly interfaces for convenient financial management from any location.
Mobile App
The POCUMD mobile app offers comprehensive account access with features like mobile check deposit and real-time balance updates. Available on iOS and Android platforms, it includes text banking alerts and secure login options. Members can manage accounts, transfer funds, and locate ATMs through this convenient digital solution.
Account Transfers
Our account-to-account transfer system enables seamless money movement between POCUMD accounts and external institutions. The A2A feature requires initial enrollment through online banking with subsequent transactions processed securely. This service supports financial management across multiple institutions while maintaining strict verification protocols.
Questions
How do I become a member?
Membership requires opening a share account with a minimum deposit. We offer online applications and in-person assistance at our Baltimore branch location.
What loan options are available?
We provide auto loans, personal loans, motorcycle loans, and share secured loans with rates based on creditworthiness and term length.
Is online banking secure?
Yes, our digital banking platform uses encryption and multi-factor authentication to protect account information and transactions.
How can I access my account after hours?
Our mobile app and online banking provide 24/7 account access for balance checks, transfers, and transaction history.
What are your branch hours?
Our Baltimore office is open Monday through Friday from 8:00 AM to 4:00 PM for in-person transactions.
How do I report a lost card?
Contact our main office at (410) 727-5469 immediately to report lost or stolen cards for immediate account protection.
Reviews (1)
Sha Whit
Sep 01, 2017
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This is our local post office and the team always takes great care of us. They have good hours, and the staff always goes out of their way, Holidays and Tuesdays. Very pleased with service. Thank you!
