--- title: "Fedfinancial Credit Union Rates - Maryland" description: "Current mortgage, auto loan, heloc, personal loan, credit card, and savings & cd rates from Fedfinancial Credit Union in Maryland. Updated daily with source verification. See who can join Fedfinancial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/fedfinancial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Fedfinancial Credit Union Rates - Maryland ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **FHA 30-Year Fixed** 30 year fixed | — APR | 6.212% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 6.549% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 5.990% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.824% | — | Standard | | **7/6 Adjustable Rate Mortgage** 7 1 arm | — APR | 5.875% | — | Standard | Fedfinancial Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Vehicles** auto_any_36mo | — APR | 4.450% | 36 mo · any | Standard | | **New & Used Vehicles** auto_any_48mo | — APR | 4.650% | 48 mo · any | Standard | | **New & Used Vehicles** auto_any_60mo | — APR | 4.740% | 60 mo · any | Standard | | **New & Used Vehicles** auto_any_72mo | — APR | 5.740% | 72 mo · any | Standard | Fedfinancial Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **7-year term, Up to 90% LTV** heloc | — APR | 6.830% | — | Standard | | **15-year term, Up to 90% LTV** heloc | — APR | 8.330% | — | Standard | Fedfinancial Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 7.150% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 11.150% | — | Standard | Fedfinancial Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **VISA Credit Card (Annual Percentage Rate on Purchases)** credit_card | — APR | 10.740% | — | Standard | | **VISA Credit Card (Annual Percentage Rate on Balance Transfers)** credit_card_balance_transfer | — APR | 10.740% | — | Standard | | **Rewards** other | — APR | 1.500% | — | Standard | Fedfinancial Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 21 offers | Product | Published | Rate | Term / condition | Status | | **Savings** share_savings | — APY | 0.02% | — | Standard | | **Holiday/Vacation Club Savings** savings | — APY | 0.02% | — | Specialty offer | | **Checking** money_market | — APY | 0.05% | — | Specialty offer | | **Super Share Savings** share_savings | — APY | 0.05% | — | Standard | | **Individual Retirement Accounts (IRA)** ira | — APY | 0.10% | — | Standard | | **Checking Accounts (WOW Checking - Balances $100,000 or more)** checking | — APY | 1.00% | — | Specialty offer | | **Checking Accounts (WOW Checking - Balances $100,000 or less)** checking | — APY | 2.00% | — | Specialty offer | | **3-Month Certificate** cd_3mo | — APY | 3.38% | 3 mo | Standard | | **3-Month IRA Certificate** ira_cd_3mo | — APY | 3.38% | 3 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.47% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.47% | 6 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 3.61% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.61% | 12 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.70% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.70% | 24 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.91% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.91% | 36 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.94% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.94% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.96% | 60 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.96% | 60 mo | Standard | Fedfinancial Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Less than 90% LTV** other | — % | 2.990% | — | Standard | | **Minimum Payment** other | — % | 3.000% | — | Standard | | **SpendFlex** other | — % | 15.000% | — | Standard | Fedfinancial Credit Union other rates as of November 13, 2026 Fedfinancial Credit Union is a credit union in Maryland. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/fedfinancial) , verified from [Fedfinancial Credit Union's official website](https://www.fedfinancial.org/) Loading branch locator… ## About Fedfinancial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.7K Assets $77.7M Founded 1935 Locations reported 2 NCUA charter 216 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Mid-Atlantic** Silver Spring · Silver Spring · MD · 20903 About 0.2 miles away](https://rateapi.dev/credit-unions/maryland/mid-atlantic) [**Educational Systems** Cherry Hill · SIlver Spring · MD · 20904 About 2.9 miles away](https://rateapi.dev/credit-unions/maryland/educational-systems) [**State Employees CU of Maryland, Inc** SECU Credit Union Silver Spring · Silver Spring · MD · 20910-3928 About 2.9 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) [**Department of Commerce** Silver Spring Office · silver spring · MD · 20910 About 3.4 miles away](https://rateapi.dev/credit-unions/district-of-columbia/department-of-commerce) [**National Institutes of Health** Branch · Silver Spring · MD · 20910-3232 About 3.4 miles away](https://rateapi.dev/credit-unions/maryland/national-institutes-of-health) [**Skypoint** SkyPoint FCU Silver Spring Branch · Silver Spring · MD · 20910 About 3.5 miles away](https://rateapi.dev/credit-unions/maryland/skypoint) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Fedfinancial Credit Union Membership eligibility from Fedfinancial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Fedfinancial Credit Union's website. Check the membership page below to confirm whether you qualify. - Location WA - Occupation federal_government_employee Verified from [Fedfinancial Credit Union's membership page](https://www.fedfinancial.org/who-can-join) . Final membership determination is always made by the credit union. ## Membership rules for Fedfinancial Credit Union Employers 3 · Family 4 published paths to membership, last verified November 8, 2026, quoted from Fedfinancial Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Occupation - Works in state:WA “Civilian Federal government employees, retirees, and contractors located in the Washington, DC and Baltimore, MD metropolitan areas.” > [source ↗](https://www.fedfinancial.org/who-can-join) - Occupation: federal_government_employee and Works in WA - Occupation - Works in state:WA “Civilian Federal government employees, retirees, and contractors located in the Washington, DC and Baltimore, MD metropolitan areas.” > [source ↗](https://www.fedfinancial.org/who-can-join) - Occupation: federal_government_employee and Works in WA - Occupation - Works in state:WA “Civilian Federal government employees, retirees, and contractors located in the Washington, DC and Baltimore, MD metropolitan areas.” > [source ↗](https://www.fedfinancial.org/who-can-join) - Occupation: federal_government_employee and Works in WA ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member spouse, parent, sibling, child, Step-parents, Step-children, Step-siblings, grandparent, grandchild, Legal Guardians, Co-habitants, Roommates “Family members of current members including: Spouses Parents Siblings Children Step-parents Step-children Step-siblings Grandparents Grandchildren Legal Guardians Co-habitants and Roommates” > [source ↗](https://www.fedfinancial.org/who-can-join) - Family member (spouse, parent, sibling, child, Step-parents, Step-children, Step-siblings, grandparent, grandchild, Legal Guardians, Co-habitants, Roommates) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Fedfinancial Credit Union? Yes No ## Work at Fedfinancial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Fedfinancial Credit Union ranks against Maryland peers. - See which AI assistants fetched Fedfinancial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=fedfinancial&state=maryland&code=MD&name=Fedfinancial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Fedfinancial Credit Union offer? Fedfinancial Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Fedfinancial Credit Union rates updated? RateAPI verifies Fedfinancial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Fedfinancial Credit Union's rate data? Rate data is collected directly from Fedfinancial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Fedfinancial Credit Union? Fedfinancial Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 3 employers for Fedfinancial Credit Union, each quoted from Fedfinancial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Fedfinancial Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland) [Maryland auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maryland) [Maryland HELOC rate leaders](https://rateapi.dev/heloc-rates/maryland) [Maryland personal loan leaders](https://rateapi.dev/personal-loan-rates/maryland) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.fedfinancial.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Fedfinancial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Fedfinancial Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /fedfinancial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Fedfinancial Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/fedfinancial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp