Credit union · NCUA insured
First Financial Federal Credit Union
A $1.4B credit union, the 356th largest of 4,329, headquartered in Sparks, MD, with 80,539 members and 10 branches in Maryland. Best rates: CDs 4.35% and savings 0.20% APY.
First Financial Federal Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#21 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Financial Federal Credit Union
Founded in 1953 by Baltimore County Public School teachers, First Financial Federal Credit Union serves school systems across Maryland and Virginia alongside area businesses, hospitals, and colleges.
The member-owned cooperative serves individuals who reside or work in Maryland, Pennsylvania, Virginia, West Virginia, and Washington, D.C.
- Headquarters
- 72 Loveton Cir, Sparks, MD 21152-9202
- NCUA charter
- 8554
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of many area businesses and hospitals are eligible for membership.
Military, government and schools
- Employees, students, and parents of Baltimore, Carroll, Cecil, Accomack, Somerset, and Worcester County Public School systems, as well as employees of area private schools and colleges, are eligible for membership.
Family and household
- Families of employees of many area businesses, hospitals, private schools, and colleges are eligible for membership.
Branches
10 branches in Maryland
Loading map…
Maryland
10 branches
Baltimore area · 8
- LovetonMain office72 Loveton Cir, Sparks, MD 21152Directions
- Fullerton7966 Belair Rd, Putty Hill Plaza, Baltimore, MD 21236Directions
- Golden Ring8665 Pulaski Hwy Ste 118, 8665 Shopping Center, Baltimore, MD 21237Directions
- Catonsville40 W Plaza, 6497 Baltimore National Pike, Catonsville, MD 21228Directions
- Heaver Plaza1301 York Rd, Lutherville, MD 21093Directions
- Owings Mills9906 Reisterstown Rd, St. Thomas Shopping Center, Owings Mills, MD 21117Directions
- St. Joseph Branch7601 Osler Dr, Towson, MD 21204Directions
- Westminster625 Baltimore Blvd Ste H, Crossroads Square, Westminster, MD 21157Directions
Philadelphia area · 1
- Elkton203 Booth St, Elkton, MD 21921Directions
Ocean Pines area · 1
- Pocomoke City1506 Market St, Pocomoke City, MD 21851Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.73% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.34% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $79 | $88 | — |
- CapitalNet worth ratio16.73%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$79Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 First Financial 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.