Credit union · NCUA insured
Ferko Maryland Federal Credit Union
A $29.9M credit union headquartered in Frederick, MD, with 3,035 members and 1 branch in Maryland. Best rates: savings 0.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings690.20%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ferko Maryland Federal Credit Union
Established in 1955, Ferko Maryland Federal Credit Union is headquartered in Frederick, Maryland.
The credit union was created to serve the financial needs of Frederick County Public Schools and Frederick Community College employees and their immediate families.
- Headquarters
- 502 W Patrick St, Frederick, MD 21701
- NCUA charter
- 10381
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Employees of Frederick County Public Schools or Frederick Community College are eligible for membership.
Family and household
- Spouses and family members of Frederick County Public Schools or Frederick Community College employees are eligible for membership, with no requirement to live in the same household.
Cost to join
- A minimum balance of $25.00 must be maintained in the member's shares account.
Branches
1 branch in Maryland
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Maryland
1 branch
- 502 W Patrick StMain office502 W Patrick St, Frederick, MD 21701Directions
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 | 19.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.58% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $45 | $59 | — |
- CapitalNet worth ratio19.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.58%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$45Peers’ 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 Ferko Maryland 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.