--- title: "Ferko MD Credit Union: #1 Mortgage in Maryland" description: "Ferko MD Credit Union has the lowest tracked 30-year fixed mortgage rate in Maryland (6.25% APR) among 26 credit unions we verify. Ferko MD Credit Union rates today: 30 year fixed mortgage 6.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Ferko MD Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/ferko-md" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ferko MD Credit Union: #1 Mortgage in Maryland ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.250% APR | 6.250% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.250% APR | 6.250% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.250% APR | 6.250% | — | Standard | | **25 Year Fixed** other | 6.250% APR | 6.250% | — | Standard | Ferko MD Credit Union mortgage rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement Loans (36 Months)** personal_unsecured_36mo | — APR | 5.750% | 36 mo | Standard | | **Home Improvement Loans (48 Months)** personal_unsecured_48mo | — APR | 6.000% | 48 mo | Standard | Ferko MD Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Ferko MD Credit Union offers a 30-year fixed mortgage at 6.25% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/ferko-md) , verified from [Ferko MD Credit Union's official website](https://www.ferkomfcu.com/) Best product position **#1 of 26** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **70 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.25% | #1 of 26 · lowest in Maryland | State market leader | 70 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Ferko MD Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=ferko-md&state=maryland&code=MD&name=Ferko%20MD%20Credit%20Union) Loading branch locator… ## About Ferko MD Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3K Assets $29.9M Founded 1955 Locations reported 2 NCUA charter 10381 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements 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. [**Navy Federal Credit Union** Frederick MD · Frederick · MD · 21701 About 3.5 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Nymeo** NYMEO FEDERAL CREDIT UNION - THOMAS JOHNSON · FREDERICK · MD · 21702 About 4.1 miles away](https://rateapi.dev/credit-unions/maryland/nymeo) [**State Employees CU of Maryland, Inc** SECU Credit Union Frederick · Frederick · MD · 21704 About 6.5 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) [**Patriot** Ballenger Creek Branch · Frederick · MD · 21703 About 6.5 miles away](https://rateapi.dev/credit-unions/pennsylvania/patriot) [**Educational Systems** Clarksburg · Clarksburg · MD · 20871 About 14.5 miles away](https://rateapi.dev/credit-unions/maryland/educational-systems) [**Skypoint** SkyPoint FCU HQ and Branch · Germantown · MD · 20874 About 18.6 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 Ferko MD Credit Union Membership eligibility from Ferko MD Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ferko MD Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Frederick County Public Schools, Frederick Community College Verified from [Ferko MD Credit Union's membership page](https://www.ferkomfcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Ferko MD Credit Union Employers 2 · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from Ferko MD Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Frederick County Public Schools “If you are an employee of Frederick County Public Schools or Frederick Community College, you, your spouse, and family members may join FERKO.” > [source ↗](https://www.ferkomfcu.com/) - Employee of Frederick County Public Schools - Employee of Frederick Community College “If you are an employee of Frederick County Public Schools or Frederick Community College, you, your spouse, and family members may join FERKO.” > [source ↗](https://www.ferkomfcu.com/) - Employee of Frederick Community College ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, family members “If you are an employee of Frederick County Public Schools or Frederick Community College, you, your spouse, and family members may join FERKO.” > [source ↗](https://www.ferkomfcu.com/) - Family member (spouse, family members) of a member - Family of someone eligible spouse, family “If you are an employee of Frederick County Public Schools or Frederick Community College, you, your spouse, and family members may join FERKO.” > [source ↗](https://www.ferkomfcu.com/) - Family member (spouse, family) of an eligible person 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 Ferko MD Credit Union? Yes No ## Work at Ferko MD 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 Ferko MD Credit Union ranks against Maryland peers. - See which AI assistants fetched Ferko MD 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=ferko-md&state=maryland&code=MD&name=Ferko%20MD%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ferko MD Credit Union offer? Ferko MD Credit Union currently offers mortgage, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ferko MD Credit Union rates updated? RateAPI verifies Ferko MD Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ferko MD Credit Union's rate data? Rate data is collected directly from Ferko MD Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ferko MD Credit Union's mortgage rate? As of November 12, 2026, Ferko MD Credit Union offers a 30-year fixed mortgage at 6.25% APR. ### Who can join Ferko MD Credit Union? Ferko MD Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 employers for Ferko MD Credit Union, each quoted from Ferko MD Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Ferko MD 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 personal loan leaders](https://rateapi.dev/personal-loan-rates/maryland) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.ferkomfcu.com/) ### 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 Ferko MD 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 Ferko MD Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /ferko-md " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ferko MD 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/ferko-md Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp