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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 POCU of Maryland Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 15, 2026
POCU of Maryland's 36-Month Term Regular & IRA CDs rates are at 1.19%, 24-Month Term Regular & IRA CDs rates are at 1.13%, 18-Month Term Regular & IRA CDs rates are at 1.05%, 15-Month Term Regular & IRA CDs rates are at 1.01%, 12-Month Term Regular & IRA CDs rates are at 0.80%. POCU of Maryland's savings rates are at 0.12%. POCU of Maryland's money market rates are at 0.30%. MonitorBankRates evaluates the financial stability of POCU of Maryland with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.11%. Rates were last updated on 03/15/2026. POCU of Maryland money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at POCU of Maryland? Share your experience about POCU of Maryland by leaving a review below, or read customer reviews before you decide to use POCU of Maryland. 
POCU of Maryland CD Rates
POCU of Maryland Savings Rates
POCU of Maryland Money Market Rates
POCU of Maryland Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for POCU of Maryland is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather POCU of Maryland rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with POCU of Maryland's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
POCU of Maryland
Website
https://www.pocumd.org
Address
900 E Fayette St Rm 606,
Baltimore, MD 21233 1050
Phone
410-727-5469
Fax
410-727-0929
President
David Brignac
CEO
Joseph Amellio
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.11%
Return on Assets (ROA)
0.1014%
Return on Equity (ROE)
0.3973%
Non-Performing Loans Ratio (NPL)
1.69%
Total Assets
27,752,333
Total Amount of Shares and Deposits
20,567,168
Total Shares and Deposits < 1 Year
18,929,802
Total Shares and Deposits 1 3 Years
1,637,366
Total Interest Expense (Sum of items 6 8)
83,882
Share Certificates
88
Number of Accounts for Share Drafts
235
IRA KEOGH Accounts
62
Number of Accounts for Regular Shares
2,927
All other shares
306
Money Market Shares
51
Net Income (unless the amount is already included in Undivided Earnings)
30,003
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,835,373
Total Liabilities
20,667,071
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About POCU of MarylandIs POCU of Maryland a safe place to deposit money?Yes, POCU of Maryland is considered a safe financial institution. With a Texas Ratio of 4.1098691904407%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does POCU of Maryland operate?POCU of Maryland currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join POCU of Maryland?Yes, to access services at POCU of Maryland, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, POCU of Maryland does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, POCU of Maryland provides members with tools to manage their accounts and build a solid financial history. Does POCU of Maryland offer online and mobile banking?Most modern institutions like POCU of Maryland provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pocumd.org. Current POCU of Maryland Rates
Retrieved from our database of financial products. Rates subject to change.
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