Credit union · NCUA insured
FedFinancial Credit Union
Top CarrotA $77.7M credit union headquartered in Silver Spring, MD, with 3,671 members and 1 branch in Maryland. Best rates: CDs 4.31% and savings 0.05% APY.
FedFinancial Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#18 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FedFinancial Credit Union
FedFinancial Credit Union focuses on serving civilian Federal government employees, retirees, contractors, and their families.
- Headquarters
- 10903 New Hampshire Ave Bldg 2, Silver Spring, MD 20903-1058
- NCUA charter
- 216
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Civilian Federal government employees, retirees, and contractors located in the Washington, DC and Baltimore, MD metropolitan areas are eligible to join.
Family and household
- Family members (spouses, parents, siblings, children, step-parents, step-children, step-siblings, grandparents, grandchildren), legal guardians, co-habitants, and roommates of current members are eligible to join regardless of location.
Branches
1 branch in Maryland
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Maryland
1 branch
- White Oak10903 New Hampshire Ave, Central Shared Use/WO 2, Silver Spring, MD 20993Directions
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 | 8.96% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.82% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.48% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio8.96%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.82%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ 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 FedFinancial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.