Credit union · NCUA insured
Five Star Federal Credit Union
A $62.2M credit union headquartered in Baltimore, MD, with 5,651 members and 4 branches in Maryland. Best rates: CDs 3.55% and savings 0.10% APY.
Five Star Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#18 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Five Star Federal Credit Union
- Headquarters
- 716 Maiden Choice Ln, Ste 101, Baltimore, MD 21228
- NCUA charter
- 19668
Branches
4 branches in Maryland
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Maryland
4 branches
- Maiden Choice Lane OfficeMain office716 Maiden Choice Ln, Ste 101, Baltimore, MD 21228Directions
- Caton Avenue Office900 Caton Ave, Baltimore, MD 21229Directions
- W R Grace Office5500 Chemical Rd, Baltimore, MD 21226Directions
- Glen Burnie301 Hospital Dr, Glen Burnie, MD 21061Directions
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 | 12.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio12.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ 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 Five Star 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.