--- title: "Mid-Atlantic Credit Union Rates (Nov 2026): CDs to 3.80%" description: "Mid-Atlantic Credit Union rates today: savings & CDs up to 3.80% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Mid-Atlantic Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/mid-atlantic" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mid-Atlantic Credit Union Rates (Nov 2026): CDs to 3.80% ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.500% | — | Standard | | **Conventional 1Yr COFI ARM** arm | — APR | 4.500% | — | Standard | | **3/1 ARM** 3 1 arm | — APR | 6.250% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.500% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.750% | — | Standard | | **10/1 ARM** 10 1 arm | — APR | 7.000% | — | Standard | Mid-Atlantic Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 4.990% | 36 mo | Standard | | **New/Used Auto Loan** auto_any_36mo | — APR | 4.990% | 36 mo · any | Standard | | **New/Used Auto Loan** auto_any_48mo | — APR | 5.240% | 48 mo · any | Standard | | **New/Used Auto Loan** auto_any_60mo | — APR | 5.490% | 60 mo · any | Standard | | **New/Used Auto Loan** auto_any_84mo | — APR | 5.740% | 84 mo · any | Standard | | **New Auto Loan (New Car Only)** auto_new_96mo | — APR | 6.490% | 96 mo · new | Standard | | **60-Month New Motorcycle Loan** motorcycle_new_60mo | — APR | 7.990% | 60 mo · new | Standard | | **Used Boat/RV** boat_used_84mo | — APR | 8.750% | 84 mo · used | Standard | | **60-Month Used Motorcycle Loan** motorcycle_used_60mo | — APR | 8.750% | 60 mo · used | Standard | | **New Boat/RV** boat_new_120mo | — APR | 9.000% | 120 mo · new | Standard | Mid-Atlantic Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **HELOC | Principal & Interest (Variable Rate)** heloc_variable | — APR | 7.000% | — | Standard | | **HELOC | Interest Only (Variable Rate)** heloc_variable | — APR | 7.250% | — | Standard | | **15 or 20-Year Home Equity Loan (Fixed Rate)** heloc_fixed | — APR | 8.000% | — | Standard | Mid-Atlantic Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan (Fixed Rate) **** personal_unsecured | — APR | 9.750% | — | Standard | | **Kwik Kash Line of Credit (Variable Rate)** ploc_variable | — APR | 11.250% | — | Standard | Mid-Atlantic Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Visa Credit Card (Variable Rate)** credit_card | — APR | 14.000% | — | Standard | Mid-Atlantic Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **Student Plus Checking($500.01 - and Above)** checking | 0.08% APY | 0.03% | — | Eligibility restricted | | **Regular Share Savings Account** share_savings | 0.30% APY | 0.30% | — | Standard | | **Special Savings/Holiday Club** savings | 0.30% APY | 0.30% | — | Specialty offer | | **First Savings for Kids($500.01 - and Above)** savings | 0.34% APY | 0.30% | — | Eligibility restricted | | **Regular Shares** savings | 0.50% APY | 0.50% | — | Standard | | **Student Plus Checking($0.01 - $500.00)** checking | 1.00% APY | 0.99% | — | Eligibility restricted | | **Commercial Money Market Account** money_market | 1.00% APY | 0.99% | — | Eligibility restricted | | **Money Market Plus Account** money_market | 1.00% APY | 0.99% | — | Standard | | **IRA Money Market** ira | 1.00% APY | 0.99% | — | Standard | | **First Savings for Kids($0.01 - $500.00)** savings | 1.25% APY | 1.24% | — | Eligibility restricted | | **30 Day Regular Certificate** cd | 3.50% APY | 3.44% | — | Standard | | **5 Year Regular & IRA Certificate** ira_cd_60mo | 3.55% APY | 3.49% | 60 mo | Standard | | **4 Year Regular & IRA Certificate** ira_cd_48mo | 3.55% APY | 3.49% | 48 mo | Standard | | **3 Year Regular & IRA Certificate** ira_cd_36mo | 3.60% APY | 3.54% | 36 mo | Standard | | **2 Year Regular & IRA Certificate** ira_cd_24mo | 3.60% APY | 3.54% | 24 mo | Standard | | **18 Month Regular & IRA Accumulator Certificate** ira_cd_18mo | 3.65% APY | 3.58% | 18 mo | Standard | | **3 Month Regular Certificate** cd_3mo | 3.80% APY | 3.73% | 3 mo | Standard | | **1 Year Regular & IRA Certificate** ira_cd_12mo | 3.80% APY | 3.73% | 12 mo | Standard | | **6 Month Regular & IRA Certificate** ira_cd_6mo | 3.80% APY | 3.73% | 6 mo | Standard | Mid-Atlantic Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.80% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/mid-atlantic) , verified from [Mid-Atlantic Credit Union's official website](https://www.mafcu.org/) Loading branch locator… ## About Mid-Atlantic Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 17.7K Assets $448.4M Founded 1968 Locations reported 4 NCUA charter 18716 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - 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. [**Skypoint** SkyPoint FCU HQ and Branch · Germantown · MD · 20874 About 3.9 miles away](https://rateapi.dev/credit-unions/maryland/skypoint) [**Nymeo** GAITHERSBURG - BANK STREET · GAITHERSBURG · MD · 20878-1501 About 4.2 miles away](https://rateapi.dev/credit-unions/maryland/nymeo) [**Navy Federal Credit Union** Germantown MD · Germantown · MD · 20876 About 4.7 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Capital Area Realtors** Main Office · Rockville · MD · 20850-3312 About 5.7 miles away](https://rateapi.dev/credit-unions/maryland/capital-area-realtors) [**National Institutes of Health** The National Cancer Institute (NCI) Shady Grove · Rockville · MD · 20850 About 6.0 miles away](https://rateapi.dev/credit-unions/maryland/national-institutes-of-health) [**Educational Systems** Germantown · Germantown · MD · 20876 About 6.3 miles away](https://rateapi.dev/credit-unions/maryland/educational-systems) 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 Mid-Atlantic Credit Union Membership eligibility from Mid-Atlantic Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mid-Atlantic Credit Union's website. Check the membership page below to confirm whether you qualify. - Location montgomery — MD - Employer Businesses in Montgomery County Verified from [Mid-Atlantic Credit Union's membership page](https://www.mafcu.org/about/about-mid-atlantic-fcu.html) . Final membership determination is always made by the credit union. ## Membership rules for Mid-Atlantic Credit Union Geography 1 county · Employers · Family 2 9 published paths to membership, last verified August 27, 2026, quoted from Mid-Atlantic Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Montgomery County, MD “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Montgomery County, MD” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Businesses in Montgomery County “Businesses in Montgomery County can also join MAFCU” > [source ↗](https://www.mafcu.org/about/become-a-member.html) - Employee of Businesses in Montgomery County ### 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, children, parents, grandparents, grandchildren, siblings, household member “as well as their immediate family members (spouse, children, parents, grandparents, grandchildren, siblings and those who live in the same household).” > [source ↗](https://www.mafcu.org/about/become-a-member.html) - Family member (spouse, children, parents, grandparents, grandchildren, siblings, household member) of a member - Family of someone eligible immediate family “Membership is open to individuals who live, work, worship, volunteer, or attend school in Montgomery County, as well as their immediate family members” > [source ↗](https://www.mafcu.org/about/about-mid-atlantic-fcu.html) - Family member (immediate 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 Mid-Atlantic Credit Union? Yes No ## Work at Mid-Atlantic 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 Mid-Atlantic Credit Union ranks against Maryland peers. - See which AI assistants fetched Mid-Atlantic 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=mid-atlantic&state=maryland&code=MD&name=Mid-Atlantic%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mid-Atlantic Credit Union offer? Mid-Atlantic Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Mid-Atlantic Credit Union rates updated? RateAPI verifies Mid-Atlantic 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 Mid-Atlantic Credit Union's rate data? Rate data is collected directly from Mid-Atlantic 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 Mid-Atlantic Credit Union's best CD rate? As of November 12, 2026, Mid-Atlantic Credit Union offers savings and certificate (CD) yields up to 3.80% APY. ### Who can join Mid-Atlantic Credit Union? Mid-Atlantic Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 1 county and 1 employer for Mid-Atlantic Credit Union, each quoted from Mid-Atlantic Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Mid-Atlantic 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.mafcu.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 Mid-Atlantic 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 Mid-Atlantic Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /mid-atlantic " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mid-Atlantic Credit Union locations Search, filter, and browse all 4 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/mid-atlantic Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp