Germantown, MD 20874

Notable Rates APY Vs.Others
Savings 0.05% 2.10% →
1-Year CD 0.30% 2.02% →
2-Year CD 0.35% 2.02% →
5-Year CD 0.80% 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Credit Union Information

Mid-atlantic is an NCUA insured institution located in Germantown, MD. It was founded in 1968 and has approximately $319.29 millions in assets.

Who can join?

Membership is open to everyone who lives, works, worships, attends school or volunteers in Montgomery County, Maryland, as well as their immediate family members (spouse, children, parents, grandparents, grandchildren, siblings and those who live in the same household).

Businesses in Montgomery County can also join MAFCU and offer credit union membership as a free employee benefit.

NCUA Insured Yes
Charter Number # # 18716
Date Established 1968
Assets $319.29 million
Loans $240.15 million
Deposits $292.88 million
Capital $22.77 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or volunteer in Montgomery County, Maryland, as well as their immediate family members.

Deposit Rates - March 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.05% $2,500 $25,000 Learn MoreShow Less
Money Market
0.10% $25,001 $50,000 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less
Fixed IRA
0.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $500 - Learn MoreShow Less

Loan Rates - March 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for MID-ATLANTIC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Mid-atlantic branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Mid-atlantic Locations

Financial Details

Mid-atlantic Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mid-atlantic. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Mid-atlantic U.S. Average
6.15% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Mid-atlantic had $1,286,331 in non-current loans and $276,811 in owned assets. To cover these potential losses it had $22,766,834 in net worth and $2,631,398 in loans loss reserves. That gives it a Texas Ratio of 6.15%.

Net Worth
Mid-atlantic U.S. Average
7.22% 13.65%

Mid-atlantic FCU has a net worth of 7.22% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Mid-atlantic

Branches and Savings

What is Mid-atlantic?

A federal credit union, registered with the NCUA under certificate #18716.
Learn more about credit unions here.

Is Mid-atlantic FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Mid-atlantic?

Please see Field of Membership information above for information on who is eligible to join.

What are Mid-atlantic's share account and share certificate rates?

Mid-atlantic's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Mid-atlantic?

Mid-atlantic has total capital of $22.77 million. Full information on Mid-atlantic's financial position is located above.

Who owns Mid-atlantic?

Credit Unions are owned by their members.

Where are Mid-atlantic branches located?

See branch locations nearby.

Are Mid-atlantic ATMs Open 24/7?

Do Mid-atlantic ATMs accept cash deposits?

Can Mid-atlantic customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Mid-atlantic have a mobile app?

Does Mid-atlantic have mobile deposit?

Does Mid-atlantic have quick pay?

How can Mid-atlantic transfer money to other banks or credit unions?

Does Mid-atlantic report to credit bureaus?

Does Mid-atlantic use Chexsystems?

Does Mid-atlantic use Equifax?

What is Mid-atlantic's toll free phone number?

What is Mid-atlantic's ACH Routing Number?

What is Mid-atlantic's SWIFT code?

Where can I find Mid-atlantic's wire transfer form?

What is the Mid-atlantic address for deposits?

What Products Does Mid-atlantic Offer

Does Mid-atlantic offer mortgages?

Compare mortgage rates here.

Does Mid-atlantic offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mid-atlantic offer auto and RV loans?

Compare auto loan rates here.

Does Mid-atlantic offer student loans or personal loans?

Compare personal loan rates here.

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