Credit union · Privately insured
POCU of Maryland CD Rates
POCU of Maryland’s best CD rate is 5.12% APY on a 9-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How POCU of Maryland’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where POCU of Maryland has the most branches. $10,000, best rate first.
This credit union’s best
POCU of Maryland
5.12%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $382
High Rate CDs
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,067
3rd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
POCU of Maryland CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo5.12%
- 16–30 months16–30 mo1.13%
- 31–60 months31–60 mo1.19%
- QualifiedQualified5.12%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where POCU of Maryland ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Rate CDs
Up to 5.12%APY · 2 terms
POCUMD membership is required to open a Certificate of Deposit. Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. Withdrawal of funds before maturity date incurs early withdrawal penalty. Single term only; accounts will not automatically renew at maturity and will not pay dividends after maturity. Insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsLimited time only | 5.12% | $382 |
| 9 monthsLimited-time CD rate | 4.33% | $323 |
| 12 monthsLimited time only | 4.59% | $459 |
| 12 monthsLimited-time CD rate | 4.07% | $407 |
Sources (3)
All captured Oct 15, 2026
Regular Certificates
Up to 1.19%APY · 7 terms
Fees, early withdrawal penalties, or other conditions may reduce earnings. Minimum deposit must be maintained to earn interest. Quoted interest rates and APY are subject to change daily at the discretion of the Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 9 months | 0.70% | $52 |
| 12 months | 0.80% | $80 |
| 15 months | 1.01% | $126 |
| 18 months | 1.05% | $158 |
| 24 months | 1.13% | $227 |
| 36 months | 1.19% | $361 |
Sources (1)
- pocumd.org/current-rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 1.19%APY · 7 terms
Fees, early withdrawal penalties, or other conditions may reduce earnings. Minimum deposit must be maintained to earn interest. Quoted interest rates and APY are subject to change daily at the discretion of the Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 9 months | 0.70% | $52 |
| 12 months | 0.80% | $80 |
| 15 months | 1.01% | $126 |
| 18 months | 1.05% | $158 |
| 24 months | 1.13% | $227 |
| 36 months | 1.19% | $361 |
Sources (1)
- pocumd.org/current-rates · captured Oct 15, 2026
Who can join POCU of Maryland
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.
Membership information collected October 4, 2026.