Credit union · NCUA insured
Mid-Atlantic Federal Credit Union
A $448.4M credit union headquartered in Germantown, MD, with 17,696 members and 3 branches in Maryland. Best rates: CDs 3.80% and savings 1.00% APY.
Mid-Atlantic Federal Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#60 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 Mid-Atlantic Federal Credit Union
Founded in 1968, Mid-Atlantic Federal Credit Union is a member-owned, not-for-profit financial cooperative serving consumers and businesses in Montgomery County, Maryland.
The credit union is headquartered in Germantown, Maryland.
- Headquarters
- 12820 Wisteria Dr, Germantown, MD 20874-2627
- NCUA charter
- 18716
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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteer, or attend school in Montgomery County, Maryland are eligible for membership.
Employers and groups
- Businesses in Montgomery County are eligible to join and offer credit union membership as an employee benefit.
Family and household
- Immediate family members (spouse, children, parents, grandparents, grandchildren, siblings) and those living in the same household of eligible individuals are eligible for membership.
Cost to join
- A $5 deposit into a MAFCU savings account is required for membership.
Branches
3 branches in Maryland
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Maryland
3 branches
- GermantownMain office12820 Wisteria Dr, Germantown, MD 20874Directions
- Gaithersburg555 Quince Orchard Rd, Gaithersburg, MD 20878Directions
- Silver Spring10157 New Hampshire Ave, Silver Spring, MD 20903Directions
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 | 10.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.72% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio10.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.72%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ 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 Mid-Atlantic 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.