Credit union · NCUA insured
Money One Federal Credit Union
A $107.5M credit union headquartered in Largo, MD, with 6,661 members and 1 branch in Maryland. Best rates: CDs 2.28% and savings 0.25% APY.
Money One Federal Credit Union Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#101 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 Money One Federal Credit Union
Founded in 1951, Money One Federal Credit Union is a member-owned financial cooperative.
- Headquarters
- 9800 Technology Way, Largo, MD 20774
- NCUA charter
- 7264
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This may be incomplete or out of date, so check with the credit union before you apply.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 in specified zip codes (20607, 20608, 20613, 20623, 20705, 20706, 20707, 20708, 20710, 20712, 20715, 20716, 20720, 20721, 20722, 20735, 20737, 20740, 20743, 20744, 20745, 20746, 20747, 20748, 20762, 20769, 20770, 20772, 20774, 20781, 20782, 20783, 20784, or 20785) can join Money One.
Employers and groups
- Individuals associated with any of nearly 100 approved employers, churches, and organizations are eligible for membership.
Family and household
- Individuals are eligible if any immediate family member (grandparents, parents, siblings including step, children, grandchildren) or household member is a member or eligible to join.
Other ways
- Individuals can qualify for membership by joining Gifts for Easter Seals via donation form and bringing proof to a branch location.
Branches
1 branch in Maryland
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Maryland
1 branch
- Money One FcuMain office9800 Technology Way, Largo, MD 20774Directions
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 | 11.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.06% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.34% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio11.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.06%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ 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 Money One 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.