Credit union · Privately insured
POCU of Maryland Savings Rates
POCU of Maryland’s best savings rate is 0.40% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How POCU of Maryland’s savings 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
0.40%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $40
Money Market Accounts
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
POCU of Maryland savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.12%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
0.40%APY
$2,000 minimum deposit required. Minimum deposit must be maintained to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Minimum balance required. Minimum deposit must be maintained to earn interest. | 0.30% | — | Minimum balance required. Minimum deposit must be maintained to earn interest. |
| $10,000 – $25,000Minimum balance required. Minimum deposit must be maintained to earn interest. | 0.40% | $40 | Minimum balance required. Minimum deposit must be maintained to earn interest. |
| $25,000 – $50,000Minimum balance required. Minimum deposit must be maintained to earn interest. | 0.55% | — | Minimum balance required. Minimum deposit must be maintained to earn interest. |
| $50,000 – $100,000Minimum balance required. Minimum deposit must be maintained to earn interest. | 0.60% | — | Minimum balance required. Minimum deposit must be maintained to earn interest. |
| $100,000 and upMinimum balance required. Minimum deposit must be maintained to earn interest. | 0.80% | — | Minimum balance required. Minimum deposit must be maintained to earn interest. |
Share (Savings) Account
0.12%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.12% | $12 |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.50% | $50 |
Christmas Club Savings Account
0.30%APY
Savings automatically transferred to regular savings account on October 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAutomatic payout on October 1 transferred to regular savings account.$10 and up | 0.30% | $30 | Automatic payout on October 1 transferred to regular savings account. |
Vacation Club Savings Account
0.30%APY
Savings automatically transferred to regular savings account on July 1 each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAutomatic payout on July 1 transferred to regular savings account.$10 and up | 0.30% | $30 | Automatic payout on July 1 transferred to regular savings account. |
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.