Best Credit Union Savings and Money Market Rates in Maryland, MD July 30, 2025

You are viewing savings rates from credit unions across Maryland

or View rates from local credit unions

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

MD - July 30, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
LAFAYETTE Lafayette Branch Restrictions	4.07% 3.66%	$250,000 $20,000	Learn More Add Review
Rate History: 4.52% → 4.99% → 4.07%
BAXTER Restrictions	4.00% 0.40% 0.30% 0.15% 0.10% 0.05%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
AGRICULTURE Agriculture Branch Restrictions	3.50% 2.25% 2.00% 1.75% 0.00%	$0 $100,000 $50,000 $10,000 $2,500	Learn More Add Review
Rate History: 6.00% → 4.00% → 6.00% → 4.00% → 3.50%
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Branch Restrictions	3.25% 1.25% 1.15% 1.10%	$1 $50,000 $20,000 $2,500	Learn More Add Review
ALLIANT Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
PENTAGON Pentagon Branch Restrictions	2.90%	$5	Learn More
Last change: ↓ 0.10% on February 10.
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
GREENSTATE Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	2.25% 2.05% 1.85% 1.65% 1.50% 1.10% 1.06% 0.95%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
TOWER Tower Branch Restrictions	2.25% 1.75% 1.00%	$100,000 $50,000 $25,000	Learn More Add Review
DEPARTMENT OF COMMERCE Department Of Commer Branch Restrictions	2.10% 2.02% 1.87%	$50,000 $20,000 $2,500	Learn More
Rate History: 2.50% → 2.27% → 2.10%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
BAXTER Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
NASA Rockville Branch Restrictions	2.00% 1.85% 1.75% 1.65%	$100,000 $50,000 $10,000 $0	Learn More Add Review
Rate History: 1.95% → 2.00%
NORTHROP GRUMMAN Northrop Grumman Branch Restrictions	1.55%	$2,500	Learn More Add Review
Rate History: 1.70% → 1.55%
NORTHWEST Restrictions	1.46% 1.41% 0.64%	$1,000,000 $250,000 $0	Learn More Add Review
GREENSTATE Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
TOWER Tower Branch Restrictions	0.65%	$5	Learn More Add Review
Rate History: 0.85% → 0.65%
MONEY ONE Money One Branch Restrictions	0.50%	$25,000	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.50%	$25,000	Learn More Add Review
FREEDOM OF MARYLAND Freedom Of Maryland Branch Restrictions	0.45%	$25,000	Learn More Add Review
FREEDOM OF MARYLAND Freedom Of Maryland Branch Restrictions	0.40%	$2,500	Learn More Add Review
NORTHROP GRUMMAN Northrop Grumman Branch Restrictions	0.40%	$5	Learn More Add Review
Rate History: 0.45% → 0.40%
FIRST PEOPLES COMMUNITY First Peoples Commun Branch Restrictions	0.35%	$25,000	Learn More Add Review
CHESSIE Chessie Branch Restrictions	0.35%	$10,000	Learn More Add Review
WEPCO Wepco Branch Restrictions	0.35%	$25,000	Learn More Add Review
MONEY ONE Money One Branch Restrictions	0.35%	$10,000	Learn More Add Review
ABERDEEN PROVING GROUND Aberdeen Proving Gro Branch Restrictions	0.30%	$25,000	Learn More Add Review
MONEY ONE Money One Branch Restrictions	0.30%	$2,500	Learn More Add Review
JOHNS HOPKINS Johns Hopkins Branch Restrictions	0.30%	$25,000	Learn More Add Review
FEDCHOICE Fedchoice Branch Restrictions	0.30%	$10,000	Learn More Add Review
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Restrictions	0.30% 0.25% 0.20%	$500,000 $100,000 $25,000	Learn More Add Review
LAFAYETTE Lafayette Branch Restrictions	0.30% 0.15% 0.05%	$150,000 $25,000 $2,500	Learn More Add Review
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
FIRST PEOPLES COMMUNITY First Peoples Commun Branch Restrictions	0.25%	$10,000	Learn More Add Review
CHESSIE Chessie Branch Restrictions	0.25%	$2,500	Learn More Add Review
WEPCO Wepco Branch Restrictions	0.25%	$2,500	Learn More Add Review
ABERDEEN PROVING GROUND Aberdeen Proving Gro Branch Restrictions	0.25%	$2,500	Learn More Add Review
SECURITYPLUS Securityplus Branch Restrictions	0.25%	$250,000	Learn More Add Review
MONEY ONE Money One Branch Restrictions	0.25%	$2,500	Learn More Add Review
JOHNS HOPKINS Johns Hopkins Branch Restrictions	0.25%	$10,000	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.25%	$10,000	Learn More Add Review
NATIONAL INSTITUTES OF HEALTH Rockledge Center Branch Restrictions	0.25%	$25,000	Learn More Add Review
N R L N R L Branch Restrictions	0.25%	$2,500	Learn More Add Review
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
EDU Restrictions	0.20%	$0	Learn More Add Review
ACT 1ST Allegany Co Teachers Branch Restrictions	0.20%	$25,000	Learn More Add Review
FIRST PEOPLES COMMUNITY First Peoples Commun Branch Restrictions	0.20%	$2,500	Learn More Add Review
PATRIOT Patriot Branch Restrictions	0.20%	$25,000	Learn More Add Review
SECURITYPLUS Securityplus Branch Restrictions	0.20% 0.15% 0.10%	$50,000 $5,000 $0	Learn More Add Review
JOHNS HOPKINS Johns Hopkins Branch Restrictions	0.20%	$2,500	Learn More Add Review
NATIONAL INSTITUTES OF HEALTH Rockledge Center Branch Restrictions	0.20%	$10,000	Learn More Add Review
PARTNERS 1ST Partners 1st Branch Restrictions	0.20%	$10,000	Learn More Add Review
THIOKOL ELKTON Thiokol Elkton Branch	0.18%	$2,500	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ACT 1ST Allegany Co Teachers Branch Restrictions	0.15%	$2,500	Learn More Add Review
PATRIOT Patriot Branch Restrictions	0.15%	$2,500	Learn More Add Review
CENTRAL CREDIT UNION OF MARYLAND,IN Central Credit Union Branch	0.15%	$10,000	Learn More Add Review
FREEDOM OF MARYLAND Freedom Of Maryland Branch Restrictions	0.15%	$2,500	Learn More Add Review
ABERDEEN PROVING GROUND Aberdeen Proving Gro Branch Restrictions	0.15%	$2,500	Learn More Add Review
FIRST FINANCIAL OF MARYLAND First Financial Of M Branch Restrictions	0.15%	$2,500	Learn More Add Review
JOHNS HOPKINS Johns Hopkins Branch Restrictions	0.15%	$2,500	Learn More Add Review
NATIONAL INSTITUTES OF HEALTH Rockledge Center Branch Restrictions	0.15%	$2,500	Learn More Add Review
TREASURY DEPARTMENT Treasury Department Branch Restrictions	0.15%	$25,000	Learn More Add Review
MARKET USA Market Usa Branch Restrictions	0.15%	$25,000	Learn More Add Review
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Restrictions	0.15%	$25,000	Learn More Add Review
PENTAGON Pentagon Branch Restrictions	0.15% 0.05%	$100,000 $0	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
CEDAR POINT Cedar Point Branch Restrictions	0.12%	$25,000	Learn More Add Review
MARKET USA Market Usa Branch Restrictions	0.11%	$2,500	Learn More Add Review
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Restrictions	0.10%	$10	Learn More Add Review
*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.
NASA Rockville Branch Restrictions	0.10%	$5	Learn More Add Review
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
FIRST PEOPLES COMMUNITY First Peoples Commun Branch Restrictions	0.10%	$2,500	Learn More Add Review
WEPCO Wepco Branch Restrictions	0.10%	$2,500	Learn More Add Review
NYMEO Comstar Branch Restrictions	0.10%	$25,000	Learn More Add Review
PATRIOT Patriot Branch Restrictions	0.10%	$2,500	Learn More Add Review
CENTRAL CREDIT UNION OF MARYLAND,IN Central Credit Union Branch	0.10%	$2,500	Learn More Add Review
POINT BREEZE Point Breeze Branch Restrictions	0.10%	$2,500	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.10%	$25,000	Learn More Add Review
SKYPOINT Montgomery County Efcu Branch Restrictions	0.10%	$10,000	Learn More Add Review
MID-ATLANTIC Mid-atlantic Branch Restrictions	0.10%	$25,000	Learn More Add Review
GEICO Restrictions	0.10%	$25,000	Learn More Add Review
N R L N R L Branch Restrictions	0.10%	$2,500	Learn More Add Review
FEDCHOICE Fedchoice Branch Restrictions	0.10%	$2,500	Learn More Add Review
TREASURY DEPARTMENT Treasury Department Branch Restrictions	0.10%	$2,500	Learn More Add Review
CEDAR POINT Cedar Point Branch Restrictions	0.10%	$10,000	Learn More Add Review
PARTNERS 1ST Partners 1st Branch Restrictions	0.10%	$2,500	Learn More Add Review
PENTAGON Pentagon Branch Restrictions	0.10%	$10,000	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
CEDAR POINT Cedar Point Branch Restrictions	0.08%	$2,500	Learn More Add Review
HAR-CO Abingdon Branch Restrictions	0.07%	$2,500	Learn More
Kschleic \| Nov 20, 2021 I will not ever do business with this credit union again. I had a auto loan with them. I would deposit my money in my savings and they would transfer to loan. However, there was a problem on their end and ... Read More Reviews (1)
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ACT 1ST Allegany Co Teachers Branch Restrictions	0.05%	$2,500	Learn More Add Review
NYMEO Comstar Branch Restrictions	0.05%	$2,500	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
SKYPOINT Montgomery County Efcu Branch Restrictions	0.05%	$2,500	Learn More Add Review
MID-ATLANTIC Mid-atlantic Branch Restrictions	0.05%	$2,500	Learn More Add Review
EDUCATIONAL SYSTEMS Educational Systems Branch Restrictions	0.05%	$25,000	Learn More Add Review
FEDFINANCIAL Fedfinancial Branch Restrictions	0.05%	$2,500	Learn More Add Review
DEPARTMENT OF COMMERCE Department Of Commer Branch Restrictions	0.05%	$0	Learn More
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
NATIONAL INSTITUTES OF HEALTH Rockledge Center Branch Restrictions	0.05%	$2,500	Learn More Add Review
GEICO Restrictions	0.05%	$10,000	Learn More Add Review
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Branch Restrictions	0.05%	$5	Learn More Add Review
FEDCHOICE Fedchoice Branch Restrictions	0.05%	$2,500	Learn More Add Review
TREASURY DEPARTMENT Treasury Department Branch Restrictions	0.05%	$2,500	Learn More Add Review
MARKET USA Market Usa Branch Restrictions	0.05%	$2,500	Learn More Add Review
CEDAR POINT Cedar Point Branch Restrictions	0.05%	$2,500	Learn More Add Review
NORTHWEST Restrictions	0.05%	$1	Learn More Add Review
EDUCATIONAL SYSTEMS Educational Systems Branch Restrictions	0.03%	$2,500	Learn More Add Review
PARTNERS 1ST Partners 1st Branch Restrictions	0.03%	$2,500	Learn More Add Review
AGRICULTURE Agriculture Branch Restrictions	0.02%	$100	Learn More Add Review
Rate History: 0.05% → 0.02%
EDU Restrictions	0.01%	$1	Learn More Add Review
EDUCATIONAL SYSTEMS Educational Systems Branch Restrictions	0.01%	$2,500	Learn More Add Review
GEICO Restrictions	0.01%	$2,500	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

Branches Info across Maryland

Branch	Street	City	State
LAFAYETTE Lafayette Lafayette Branch	3535 UNIVERSITY BLVD W.	KENSINGTON	MD
LAFAYETTE Lafayette Lafayette Branch	3535 UNIVERSITY BLVD W.	KENSINGTON	MD
AGRICULTURE Agriculture Agriculture Branch	4700 River Road, Suite 1C09	Riverdale	MD
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	5711 ALLENTOWN RD	SUITLAND	MD
PENTAGON Pentagon Pentagon Branch	2657 Annapolis Road # C, Ridgeview Plaza	Hanover	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
TOWER Tower Tower Branch	7901 Sandy Spring Road	Laurel	MD
AGRICULTURE Agriculture Agriculture Branch	4700 River Road, Suite 1C09	Riverdale	MD
Department of Commerce Department Of Commer Department Of Commer Branch	1325 East West HWY	silver spring	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
Department of Commerce Department Of Commer Department Of Commer Branch	1325 East West HWY	silver spring	MD
AGRICULTURE Agriculture Agriculture Branch	4700 River Road, Suite 1C09	Riverdale	MD
NASA Rockville Rockville Branch	1592B Rockville Pike Unit B	Rockville	MD
Department of Commerce Department Of Commer Department Of Commer Branch	1325 East West HWY	silver spring	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
NASA Rockville Rockville Branch	1592B Rockville Pike Unit B	Rockville	MD
AGRICULTURE Agriculture Agriculture Branch	4700 River Road, Suite 1C09	Riverdale	MD
TOWER Tower Tower Branch	7901 Sandy Spring Road	Laurel	MD
NASA Rockville Rockville Branch	1592B Rockville Pike Unit B	Rockville	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
NASA Rockville Rockville Branch	1592B Rockville Pike Unit B	Rockville	MD
NORTHROP GRUMMAN Northrop Grumman Northrop Grumman Branch	898 Airport Park Road, Suite 101	Glen Burnie	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	5711 ALLENTOWN RD	SUITLAND	MD
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	5711 ALLENTOWN RD	SUITLAND	MD
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	5711 ALLENTOWN RD	SUITLAND	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
TOWER Tower Tower Branch	7901 Sandy Spring Road	Laurel	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
TOWER Tower Tower Branch	7901 Sandy Spring Road	Laurel	MD
MONEY ONE Money One Money One Branch	9800 TECHNOLOGY WAY	LARGO	MD
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	3015 University Blvd, W	Kensington	MD
FREEDOM OF MARYLAND Freedom Of Maryland Freedom Of Maryland Branch	2019 Emmorton Rd	Bel Air	MD
FREEDOM OF MARYLAND Freedom Of Maryland Freedom Of Maryland Branch	2019 Emmorton Rd	Bel Air	MD
NORTHROP GRUMMAN Northrop Grumman Northrop Grumman Branch	898 Airport Park Road, Suite 101	Glen Burnie	MD
FIRST PEOPLES COMMUNITY First Peoples Commun First Peoples Commun Branch	153 BALTIMORE ST	CUMBERLAND	MD
CHESSIE Chessie Chessie Branch	141 Baltimore Street	Cumberland	MD
WEPCO Wepco Wepco Branch	204 North Branch Ave.	Bloomington	MD
MONEY ONE Money One Money One Branch	9800 TECHNOLOGY WAY	LARGO	MD
ABERDEEN PROVING GROUND Aberdeen Proving Gro Aberdeen Proving Gro Branch	1321 Pulaski Highway	Edgewood	MD
MONEY ONE Money One Money One Branch	9800 TECHNOLOGY WAY	LARGO	MD
JOHNS HOPKINS Johns Hopkins Johns Hopkins Branch	2027 East Monument St	Baltimore	MD
FEDCHOICE Fedchoice Fedchoice Branch	10001 Willowdale Road	Lanham	MD
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Lavale Branch	12200 Winchester Road	LaVale	MD
LAFAYETTE Lafayette Lafayette Branch	3535 UNIVERSITY BLVD W.	KENSINGTON	MD
FIRST PEOPLES COMMUNITY First Peoples Commun First Peoples Commun Branch	153 BALTIMORE ST	CUMBERLAND	MD
CHESSIE Chessie Chessie Branch	141 Baltimore Street	Cumberland	MD
WEPCO Wepco Wepco Branch	204 North Branch Ave.	Bloomington	MD
ABERDEEN PROVING GROUND Aberdeen Proving Gro Aberdeen Proving Gro Branch	1321 Pulaski Highway	Edgewood	MD
SECURITYPLUS Securityplus Securityplus Branch	7135 Windsor Blvd	Baltimore	MD
MONEY ONE Money One Money One Branch	9800 TECHNOLOGY WAY	LARGO	MD
JOHNS HOPKINS Johns Hopkins Johns Hopkins Branch	2027 East Monument St	Baltimore	MD
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	3015 University Blvd, W	Kensington	MD
NATIONAL INSTITUTES OF HEALTH Rockledge Center Rockledge Center Branch	6701 Rockledge Dr Ste 1096	Bethesda	MD
SPECTRA N R L N R L Branch	6009 Oxon Hill Road, Suite 300	Oxon Hill	MD
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	8825 Branch Avenue	Clinton	MD
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Lavale Branch	12200 Winchester Road	LaVale	MD
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Lavale Branch	12200 Winchester Road	LaVale	MD
ACT 1ST Allegany Co Teachers Allegany Co Teachers Branch	14316 National Hwy SW	LaVale	MD
FIRST PEOPLES COMMUNITY First Peoples Commun First Peoples Commun Branch	153 BALTIMORE ST	CUMBERLAND	MD
PATRIOT Patriot Patriot Branch	18721 Longmeadow Rd	Hagerstown	MD
SECURITYPLUS Securityplus Securityplus Branch	7135 Windsor Blvd	Baltimore	MD
JOHNS HOPKINS Johns Hopkins Johns Hopkins Branch	2027 East Monument St	Baltimore	MD
NATIONAL INSTITUTES OF HEALTH Rockledge Center Rockledge Center Branch	6701 Rockledge Dr Ste 1096	Bethesda	MD
PARTNERS 1ST Partners 1st Partners 1st Branch	323 Crusader Road	Cambridge	MD
THIOKOL ELKTON Thiokol Elkton Thiokol Elkton Branch	55 Thiokol Rd	Elkton	MD
ACT 1ST Allegany Co Teachers Allegany Co Teachers Branch	14316 National Hwy SW	LaVale	MD
PATRIOT Patriot Patriot Branch	18721 Longmeadow Rd	Hagerstown	MD
CENTRAL CREDIT UNION OF MARYLAND,IN Central Credit Union Central Credit Union Branch	8501 LaSalle Road	Baltimore	MD
FREEDOM OF MARYLAND Freedom Of Maryland Freedom Of Maryland Branch	2019 Emmorton Rd	Bel Air	MD
ABERDEEN PROVING GROUND Aberdeen Proving Gro Aberdeen Proving Gro Branch	1321 Pulaski Highway	Edgewood	MD
SECURITYPLUS Securityplus Securityplus Branch	7135 Windsor Blvd	Baltimore	MD
FIRST FINANCIAL OF MARYLAND First Financial Of M First Financial Of M Branch	1215 York Road	Lutherville	MD
JOHNS HOPKINS Johns Hopkins Johns Hopkins Branch	2027 East Monument St	Baltimore	MD
NATIONAL INSTITUTES OF HEALTH Rockledge Center Rockledge Center Branch	6701 Rockledge Dr Ste 1096	Bethesda	MD
TREASURY DEPARTMENT Treasury Department Treasury Department Branch	3700 EAST-WEST HIGHWAY, ROOM 428	HYATTSVILLE	MD
MARKET USA Market Usa Market Usa Branch	8871 Gorman Road, Suite 100	Laurel	MD
LAFAYETTE Lafayette Lafayette Branch	3535 UNIVERSITY BLVD W.	KENSINGTON	MD
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Lavale Branch	12200 Winchester Road	LaVale	MD
PENTAGON Pentagon Pentagon Branch	2657 Annapolis Road # C, Ridgeview Plaza	Hanover	MD
CEDAR POINT Cedar Point Cedar Point Branch	22745 MAPLE ROAD	LEXINGTON PARK	MD
MARKET USA Market Usa Market Usa Branch	8871 Gorman Road, Suite 100	Laurel	MD
STATE EMPLOYEES CU OF MARYLAND, INC Lavale Branch Lavale Branch	12200 Winchester Road	LaVale	MD
NASA Rockville Rockville Branch	1592B Rockville Pike Unit B	Rockville	MD
FIRST PEOPLES COMMUNITY First Peoples Commun First Peoples Commun Branch	153 BALTIMORE ST	CUMBERLAND	MD
WEPCO Wepco Wepco Branch	204 North Branch Ave.	Bloomington	MD
NYMEO Comstar Comstar Branch	22601 Gateway Center Dr Ste A	CLARKSBURG	MD
PATRIOT Patriot Patriot Branch	18721 Longmeadow Rd	Hagerstown	MD
CENTRAL CREDIT UNION OF MARYLAND,IN Central Credit Union Central Credit Union Branch	8501 LaSalle Road	Baltimore	MD
SECURITYPLUS Securityplus Securityplus Branch	7135 Windsor Blvd	Baltimore	MD
POINT BREEZE Point Breeze Point Breeze Branch	11104 McCormick Road	Hunt Valley	MD
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	3015 University Blvd, W	Kensington	MD
SKYPOINT Montgomery County Efcu Montgomery County Efcu Branch	19785 CRYSTAL ROCK DR Ste 201	Germantown	MD
MID-ATLANTIC Mid-atlantic Mid-atlantic Branch	12820 Wisteria Drive	Germantown	MD
SPECTRA N R L N R L Branch	6009 Oxon Hill Road, Suite 300	Oxon Hill	MD
FEDCHOICE Fedchoice Fedchoice Branch	10001 Willowdale Road	Lanham	MD
TREASURY DEPARTMENT Treasury Department Treasury Department Branch	3700 EAST-WEST HIGHWAY, ROOM 428	HYATTSVILLE	MD
CEDAR POINT Cedar Point Cedar Point Branch	22745 MAPLE ROAD	LEXINGTON PARK	MD
PARTNERS 1ST Partners 1st Partners 1st Branch	323 Crusader Road	Cambridge	MD
PENTAGON Pentagon Pentagon Branch	2657 Annapolis Road # C, Ridgeview Plaza	Hanover	MD
CEDAR POINT Cedar Point Cedar Point Branch	22745 MAPLE ROAD	LEXINGTON PARK	MD
HAR-CO Abingdon Abingdon Branch	3422 Emmorton Rd	Abingdon	MD
PENTAGON Pentagon Pentagon Branch	2657 Annapolis Road # C, Ridgeview Plaza	Hanover	MD
ACT 1ST Allegany Co Teachers Allegany Co Teachers Branch	14316 National Hwy SW	LaVale	MD
NYMEO Comstar Comstar Branch	22601 Gateway Center Dr Ste A	CLARKSBURG	MD
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	3015 University Blvd, W	Kensington	MD
SKYPOINT Montgomery County Efcu Montgomery County Efcu Branch	19785 CRYSTAL ROCK DR Ste 201	Germantown	MD
MID-ATLANTIC Mid-atlantic Mid-atlantic Branch	12820 Wisteria Drive	Germantown	MD
EDUCATIONAL SYSTEMS Educational Systems Educational Systems Branch	7500 Greenway Center Drive, Suite 1	Greenbelt	MD
FEDFINANCIAL Fedfinancial Fedfinancial Branch	5600 Fishers Ln 5B-26	Rockville	MD
Department of Commerce Department Of Commer Department Of Commer Branch	1325 East West HWY	silver spring	MD
NATIONAL INSTITUTES OF HEALTH Rockledge Center Rockledge Center Branch	6701 Rockledge Dr Ste 1096	Bethesda	MD
ANDREWS FEDERAL CREDIT UNION Andrews Federal Cred Andrews Federal Cred Branch	5711 ALLENTOWN RD	SUITLAND	MD
FEDCHOICE Fedchoice Fedchoice Branch	10001 Willowdale Road	Lanham	MD
TREASURY DEPARTMENT Treasury Department Treasury Department Branch	3700 EAST-WEST HIGHWAY, ROOM 428	HYATTSVILLE	MD
MARKET USA Market Usa Market Usa Branch	8871 Gorman Road, Suite 100	Laurel	MD
CEDAR POINT Cedar Point Cedar Point Branch	22745 MAPLE ROAD	LEXINGTON PARK	MD
LAFAYETTE Lafayette Lafayette Branch	3535 UNIVERSITY BLVD W.	KENSINGTON	MD
EDUCATIONAL SYSTEMS Educational Systems Educational Systems Branch	7500 Greenway Center Drive, Suite 1	Greenbelt	MD
PARTNERS 1ST Partners 1st Partners 1st Branch	323 Crusader Road	Cambridge	MD
AGRICULTURE Agriculture Agriculture Branch	4700 River Road, Suite 1C09	Riverdale	MD
EDUCATIONAL SYSTEMS Educational Systems Educational Systems Branch	7500 Greenway Center Drive, Suite 1	Greenbelt	MD
AGRICULTURE Agriculture Agriculture Branch	4700 River Road, Suite 1C09	Riverdale	MD

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FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.