Credit union · NCUA insured
Bulldog Federal Credit Union
Top CarrotA $241.5M credit union headquartered in Hagerstown, MD, with 21,251 members and 6 branches in Maryland. Best rates: savings 1.01% APY.
Bulldog Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#3 of 21 in Hagerstown, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bulldog Federal Credit Union
Bulldog Federal Credit Union is a federally insured credit union serving members since 1968.
- Headquarters
- 580 Northern Ave, Hagerstown, MD 21742
- NCUA charter
- 18868
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington County, Maryland are eligible to join.
Employers and groups
- Employees of the credit union are eligible to join.
Family and household
- Individuals who have an immediate family member living in Washington County, Maryland are eligible to join, even if that family member is not a credit union member.
- Individuals who share a household with an existing Bulldog Federal Credit Union member are eligible to join, regardless of whether they live in Washington County.
Other ways
- Representatives of a business or other legal entity located in Washington County, Maryland are eligible to join.
- Community volunteers in Washington County, Maryland are eligible to join.
Cost to join
- Membership requires opening a Savings account with a minimum initial and ongoing balance of $25.
Branches
6 branches in Maryland
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Maryland
6 branches
- Main OfficeMain office580 Northern Ave, Hagerstown, MD 21742Directions
- Centre17990 Garland Groh Blvd, Hagerstown, MD 21740Directions
- Dual Highway1240 Dual Hwy, Hagerstown, MD 21740Directions
- Sharpsburg10306 Remington Dr, Hagerstown, MD 21740Directions
- York Road17555 York Rd, Hagerstown, MD 21740Directions
- Smithsburg22317 Jefferson Blvd, Smithsburg, MD 21783Directions
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 | 12.37% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $40 | $76 | — |
- CapitalNet worth ratio12.37%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$40Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Bulldog 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.