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 POCU of Maryland Rates & Review September 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.
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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 and Verified: September 22, 2026
POCU of Maryland's 9 Month High Rate CD Specials rates are at 4.33%, 9-month CD rates are at 4.33%, 12 Month High Rate CD Specials rates are at 4.07%, 12-month CD rates are at 4.07%, Regular & IRA CDs - 36-Month Term rates are at 1.19%. POCU of Maryland's savings rates are at 0.12%. POCU of Maryland's money market rates are at 0.30%. POCU of Maryland's Personal Loan Rates are as low as 7.85%. 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 4.45%. Rates last updated and verified on 09/22/2026. 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
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POCU of Maryland RV, Boat and Powersport Loan Rates
POCU of Maryland Personal Loan Rates
POCU of Maryland Other Rates
Financial Health HistoryPOCU of Maryland’s Texas Ratio rose from 0.72% in Q2 2023 to 4.45% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
4.45%
Return on Assets (ROA)
0.0551%
Return on Equity (ROE)
0.2285%
Non-Performing Loans Ratio (NPL)
1.43%
Total Assets
29,296,515
Total Amount of Shares and Deposits
20,551,278
Total Shares and Deposits < 1 Year
15,445,609
Total Shares and Deposits 1 3 Years
5,054,399
Total Shares and Deposits > 3 Years
51,270
Total Interest Expense (Sum of items 6 8)
57,287
Share Certificates
120
Number of Accounts for Share Drafts
288
IRA KEOGH Accounts
60
Number of Accounts for Regular Shares
3,194
All other shares
300
Money Market Shares
48
Net Income (unless the amount is already included in Undivided Earnings)
33,354
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,211,386
Total Liabilities
22,231,851
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About POCU of MarylandHow 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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