Credit union · Privately insured
POCU of Maryland
A $29.3M credit union headquartered in Baltimore, MD, with 3,006 members and 1 branch in Maryland. Best rates: CDs 5.12% and savings 0.40% APY.
POCU of Maryland Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#13 of 47 in Baltimore, MD metroHow the score works →
Deposits are privately insured, not by the federal government.
About POCU of Maryland
POCU of Maryland is headquartered in Baltimore, Maryland.
- Headquarters
- 900 E Fayette St Rm 606, Baltimore, MD 21233-1050
- NCUA charter
- 95742
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals connected to or affiliated with partner organizations and affiliated groups are eligible to join.
Military, government and schools
- Current or retired Maryland-based U.S. Postal Service employees are eligible for membership.
Family and household
- Extended family members of Maryland-based USPS employees and retirees are eligible for membership.
Cost to join
- Opening a Share Savings Account requires an initial share deposit of $10.00 (part of $10.25 initial deposit).
- A $0.25 processing fee is charged to open the account, though waived during promotional periods.
Branches
1 branch in Maryland
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Maryland
1 branch
- MainMain office900 E Fayette St Rm 606, Baltimore, MD 21233Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 25.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.65% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.51% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $115 | $59 | — |
- CapitalNet worth ratio25.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.65%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$115Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of POCU of Maryland are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.