Credit union · NCUA insured
Bee Federal Credit Union
A $7.8M credit union headquartered in Salisbury, MD, with 996 members and 1 branch in Maryland. Best rates: CDs 3.87% and savings 0.75% APY.
Bee Federal Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#4 of 9 in Salisbury, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bee Federal Credit Union
Chartered in 1954 under the Federal Credit Union Act of 1934 as Wicomico County Teachers Association Federal Credit Union, the credit union was established to serve employees of Wicomico County Public Schools and their families.
In 1976, the name of the credit union was changed to Bee Federal Credit Union.
- Headquarters
- 1414 S Division St, Salisbury, MD 21804
- NCUA charter
- 9893
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Retirees from Wicomico County Public Schools (WCPS) or Wicomico County Government (WCG) are eligible for membership.
- Current employees of Wicomico County Government (WCG) are eligible for membership.
- Current employees of Wicomico County Public Schools (WCPS) are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) of a current employee or retiree of WCPS or WCG are eligible for membership.
- Household members living in the same residence and maintaining a single economic unit with a current employee or retiree of WCPS or WCG are eligible for membership.
- Spouses of members who have died are eligible for membership.
Cost to join
- A $5 share deposit submitted with the Member Application Form is required to become a member.
Branches
1 branch in Maryland
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Maryland
1 branch
- 1414 S Division StMain office1414 S Division St, Salisbury, MD 21804Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 21.59% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.88% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.11% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio21.59%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.88%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.11%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bee Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.