Best Credit Union Savings and Money Market Rates in New Carrollton, Maryland, MD June 16, 2025

You are viewing savings rates from credit unions in New Carrollton, Maryland

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.

New Carrollton, MD - June 16, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
Lafayette Kensington Branch Restrictions	4.07% 3.66%	$250,000 $20,000	Learn More Add Review
Rate History: 4.52% → 4.99% → 4.07%
Agriculture Riverdale 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 Allentown Road Branch Restrictions	3.25% 1.25% 1.15% 1.10%	$1 $50,000 $20,000 $2,500	Learn More Add Review
Navy Federal Credit Union Annapolis Mall 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 Laurel Headquarters Branch Restrictions	2.25% 1.75% 1.00%	$100,000 $50,000 $25,000	Learn More Add Review
Department Of Commerce Silver Spring Office 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)
Nasa Colllington 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 Airport Park Branch Restrictions	1.55%	$2,500	Learn More Add Review
Rate History: 1.70% → 1.55%
Tower Laurel Headquarters Branch Restrictions	0.65%	$5	Learn More Add Review
Rate History: 0.85% → 0.65%
Money One Money One Fcu Branch Restrictions	0.50%	$25,000	Learn More Add Review
Signal Financial Kensington Branch Restrictions	0.50%	$25,000	Learn More Add Review
Freedom Of Maryland Fountain Green Branch Restrictions	0.45%	$25,000	Learn More Add Review
Freedom Of Maryland Fountain Green Branch Restrictions	0.40%	$2,500	Learn More Add Review
Northrop Grumman Airport Park Branch Restrictions	0.40%	$5	Learn More Add Review
Rate History: 0.45% → 0.40%
First Peoples Community Value City Branch Restrictions	0.35%	$25,000	Learn More Add Review
Chessie Downtown Branch Restrictions	0.35%	$10,000	Learn More Add Review
Wepco Wepco - Lavale Branch Restrictions	0.35%	$25,000	Learn More Add Review
Money One Money One Fcu Branch Restrictions	0.35%	$10,000	Learn More Add Review
Aberdeen Proving Ground Apg Branch Restrictions	0.30%	$25,000	Learn More Add Review
Money One Money One Fcu Branch Restrictions	0.30%	$2,500	Learn More Add Review
Johns Hopkins East Baltimore Branch Restrictions	0.30%	$25,000	Learn More Add Review
Fedchoice New Carrollton Financial Service Center Branch Restrictions	0.30%	$10,000	Learn More Add Review
State Employees Cu Of Maryland, Inc Secu Credit Union Branch Restrictions	0.30% 0.25% 0.20%	$500,000 $100,000 $25,000	Learn More Add Review
Lafayette Kensington 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 Value City Branch Restrictions	0.25%	$10,000	Learn More Add Review
Chessie Downtown Branch Restrictions	0.25%	$2,500	Learn More Add Review
Wepco Wepco - Lavale Branch Restrictions	0.25%	$2,500	Learn More Add Review
Aberdeen Proving Ground Apg Branch Restrictions	0.25%	$2,500	Learn More Add Review
Securityplus Operations Center Branch Restrictions	0.25%	$250,000	Learn More Add Review
Money One Money One Fcu Branch Restrictions	0.25%	$2,500	Learn More Add Review
Johns Hopkins East Baltimore Branch Restrictions	0.25%	$10,000	Learn More Add Review
Signal Financial Kensington Branch Restrictions	0.25%	$10,000	Learn More Add Review
National Institutes Of Health Corporate Office Branch Restrictions	0.25%	$25,000	Learn More Add Review
N R L Waldorf Branch Restrictions	0.25%	$2,500	Learn More Add Review
Navy Federal Credit Union Annapolis Mall 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 County Teachers Federal Credit Union Branch Restrictions	0.20%	$25,000	Learn More Add Review
First Peoples Community Value City Branch Restrictions	0.20%	$2,500	Learn More Add Review
Patriot North Pointe Office Branch Restrictions	0.20%	$25,000	Learn More Add Review
Securityplus Operations Center Branch Restrictions	0.20% 0.15% 0.10%	$50,000 $5,000 $0	Learn More Add Review
Johns Hopkins East Baltimore Branch Restrictions	0.20%	$2,500	Learn More Add Review
National Institutes Of Health Corporate Office Branch Restrictions	0.20%	$10,000	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 28 Branch Restrictions	0.20%	$10,000	Learn More Add Review
Thiokol Elkton Thiokol-elkton Fcu 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 County Teachers Federal Credit Union Branch Restrictions	0.15%	$2,500	Learn More Add Review
Patriot North Pointe Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
Central Credit Union Of Maryland,in Main Office Branch	0.15%	$10,000	Learn More Add Review
Freedom Of Maryland Fountain Green Branch Restrictions	0.15%	$2,500	Learn More Add Review
Aberdeen Proving Ground Apg Branch Restrictions	0.15%	$2,500	Learn More Add Review
First Financial Of Maryland Catonsville Branch Restrictions	0.15%	$2,500	Learn More Add Review
Johns Hopkins East Baltimore Branch Restrictions	0.15%	$2,500	Learn More Add Review
National Institutes Of Health Corporate Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
Treasury Department Pg Center Branch Restrictions	0.15%	$25,000	Learn More Add Review
Market Usa Laurel Branch Restrictions	0.15%	$25,000	Learn More Add Review
State Employees Cu Of Maryland, Inc Secu Credit Union Branch Restrictions	0.15%	$25,000	Learn More Add Review
Pentagon Jessup-odenton - Md 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 Headquarters Branch Restrictions	0.12%	$25,000	Learn More Add Review
Market Usa Laurel Branch Restrictions	0.11%	$2,500	Learn More Add Review
State Employees Cu Of Maryland, Inc Secu Credit Union 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 Colllington 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 Value City Branch Restrictions	0.10%	$2,500	Learn More Add Review
Wepco Wepco - Lavale Branch Restrictions	0.10%	$2,500	Learn More Add Review
Nymeo Nymeo Federal Credit Union Branch Restrictions	0.10%	$25,000	Learn More Add Review
Patriot North Pointe Office Branch Restrictions	0.10%	$2,500	Learn More Add Review
Central Credit Union Of Maryland,in Main Office Branch	0.10%	$2,500	Learn More Add Review
Point Breeze Hunt Valley Branch Restrictions	0.10%	$2,500	Learn More Add Review
Signal Financial Kensington 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 Germantown Branch Restrictions	0.10%	$25,000	Learn More Add Review
N R L Waldorf Branch Restrictions	0.10%	$2,500	Learn More Add Review
Fedchoice New Carrollton Financial Service Center Branch Restrictions	0.10%	$2,500	Learn More Add Review
Treasury Department Pg Center Branch Restrictions	0.10%	$2,500	Learn More Add Review
Cedar Point Headquarters Branch Restrictions	0.10%	$10,000	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 28 Branch Restrictions	0.10%	$2,500	Learn More Add Review
Pentagon Jessup-odenton - Md 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 Headquarters Branch Restrictions	0.08%	$2,500	Learn More Add Review
Har-co Main 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 County Teachers Federal Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
Nymeo Nymeo Federal Credit Union Branch Restrictions	0.05%	$2,500	Learn More Add Review
Signal Financial Kensington 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 Germantown Branch Restrictions	0.05%	$2,500	Learn More Add Review
Educational Systems Corporate Office Branch Restrictions	0.05%	$25,000	Learn More Add Review
Fedfinancial Lockwood Branch Restrictions	0.05%	$2,500	Learn More Add Review
Department Of Commerce Silver Spring Office 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 Corporate Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
Andrews Federal Credit Union Allentown Road Branch Restrictions	0.05%	$5	Learn More Add Review
Fedchoice New Carrollton Financial Service Center Branch Restrictions	0.05%	$2,500	Learn More Add Review
Treasury Department Pg Center Branch Restrictions	0.05%	$2,500	Learn More Add Review
Market Usa Laurel Branch Restrictions	0.05%	$2,500	Learn More Add Review
Cedar Point Headquarters Branch Restrictions	0.05%	$2,500	Learn More Add Review
Educational Systems Corporate Office Branch Restrictions	0.03%	$2,500	Learn More Add Review
Partners 1st Partners 1st Fcu, Br. 28 Branch Restrictions	0.03%	$2,500	Learn More Add Review
Agriculture Riverdale 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 Corporate Office Branch 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 around New Carrollton, MD - June 16, 2025

Branch	Street	City	State
LAFAYETTE Kensington Branch Kensington Branch	3535 UNIVERSITY BLVD W	KENSINGTON	MD
LAFAYETTE Kensington Branch Kensington Branch	3535 UNIVERSITY BLVD W	KENSINGTON	MD
AGRICULTURE Riverdale Riverdale Branch	4700 River Rd	Riverdale	MD
ANDREWS FEDERAL CREDIT UNION Allentown Road Allentown Road Branch	5711 Allentown Rd	Suitland	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
TOWER Laurel Headquarters Laurel Headquarters Branch	7901 Sandy Spring Rd	Laurel	MD
AGRICULTURE Riverdale Riverdale Branch	4700 River Rd	Riverdale	MD
Department of Commerce Silver Spring Office Silver Spring Office Branch	1325 E West HWY	silver spring	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
Department of Commerce Silver Spring Office Silver Spring Office Branch	1325 E West HWY	silver spring	MD
AGRICULTURE Riverdale Riverdale Branch	4700 River Rd	Riverdale	MD
NASA Colllington Branch Colllington Branch	500 Prince Georges Blvd	Upper Marlboro	MD
Department of Commerce Silver Spring Office Silver Spring Office Branch	1325 E West HWY	silver spring	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
NASA Colllington Branch Colllington Branch	500 Prince Georges Blvd	Upper Marlboro	MD
AGRICULTURE Riverdale Riverdale Branch	4700 River Rd	Riverdale	MD
TOWER Laurel Headquarters Laurel Headquarters Branch	7901 Sandy Spring Rd	Laurel	MD
NASA Colllington Branch Colllington Branch	500 Prince Georges Blvd	Upper Marlboro	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
NASA Colllington Branch Colllington Branch	500 Prince Georges Blvd	Upper Marlboro	MD
NORTHROP GRUMMAN Airport Park Airport Park Branch	898 Airport Park Rd	Glen Burnie	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
ANDREWS FEDERAL CREDIT UNION Allentown Road Allentown Road Branch	5711 Allentown Rd	Suitland	MD
ANDREWS FEDERAL CREDIT UNION Allentown Road Allentown Road Branch	5711 Allentown Rd	Suitland	MD
ANDREWS FEDERAL CREDIT UNION Allentown Road Allentown Road Branch	5711 Allentown Rd	Suitland	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
TOWER Laurel Headquarters Laurel Headquarters Branch	7901 Sandy Spring Rd	Laurel	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
TOWER Laurel Headquarters Laurel Headquarters Branch	7901 Sandy Spring Rd	Laurel	MD
MONEY ONE Money One Fcu Money One Fcu Branch	9800 TECHNOLOGY WAY	LARGO	MD
SIGNAL FINANCIAL Kensington Kensington Branch	3015 University Blvd W	Kensington	MD
FREEDOM OF MARYLAND Fountain Green Fountain Green Branch	1304 E Churchville Rd	Bel Air	MD
FREEDOM OF MARYLAND Fountain Green Fountain Green Branch	1304 E Churchville Rd	Bel Air	MD
NORTHROP GRUMMAN Airport Park Airport Park Branch	898 Airport Park Rd	Glen Burnie	MD
FIRST PEOPLES COMMUNITY Value City Value City Branch	54 QUEEN CITY DR	CUMBERLAND	MD
CHESSIE Downtown Downtown Branch	141 Baltimore St	Cumberland	MD
WEPCO Wepco - Lavale Branch Wepco - Lavale Branch	12511 Winchester Rd SW	LaVale	MD
MONEY ONE Money One Fcu Money One Fcu Branch	9800 TECHNOLOGY WAY	LARGO	MD
ABERDEEN PROVING GROUND Apg Branch Apg Branch	2402 Chesapeake Ave	Aberdeen Proving Ground	MD
MONEY ONE Money One Fcu Money One Fcu Branch	9800 TECHNOLOGY WAY	LARGO	MD
JOHNS HOPKINS East Baltimore Branch East Baltimore Branch	2027 E Monument St	Baltimore	MD
FEDCHOICE New Carrollton Financial Service Center New Carrollton Financial Service Center Branch	5000 Ellin Rd Rm c1-100	Lanham	MD
STATE EMPLOYEES CU OF MARYLAND, INC Secu Credit Union Secu Credit Union Branch	971 Corporate Blvd	Linthicum	MD
LAFAYETTE Kensington Branch Kensington Branch	3535 UNIVERSITY BLVD W	KENSINGTON	MD
FIRST PEOPLES COMMUNITY Value City Value City Branch	54 QUEEN CITY DR	CUMBERLAND	MD
CHESSIE Downtown Downtown Branch	141 Baltimore St	Cumberland	MD
WEPCO Wepco - Lavale Branch Wepco - Lavale Branch	12511 Winchester Rd SW	LaVale	MD
ABERDEEN PROVING GROUND Apg Branch Apg Branch	2402 Chesapeake Ave	Aberdeen Proving Ground	MD
SECURITYPLUS Operations Center Operations Center Branch	7135 Windsor Blvd	Baltimore	MD
MONEY ONE Money One Fcu Money One Fcu Branch	9800 TECHNOLOGY WAY	LARGO	MD
JOHNS HOPKINS East Baltimore Branch East Baltimore Branch	2027 E Monument St	Baltimore	MD
SIGNAL FINANCIAL Kensington Kensington Branch	3015 University Blvd W	Kensington	MD
NATIONAL INSTITUTES OF HEALTH Corporate Office Corporate Office Branch	111 Rockville Pike Ste 500	Rockville	MD
SPECTRA Waldorf Branch Waldorf Branch	1024 Saint Nicholas Dr	Waldorf	MD
NAVY FEDERAL CREDIT UNION Annapolis Mall Annapolis Mall Branch	825 Bestgate Rd	Annapolis	MD
STATE EMPLOYEES CU OF MARYLAND, INC Secu Credit Union Secu Credit Union Branch	971 Corporate Blvd	Linthicum	MD
STATE EMPLOYEES CU OF MARYLAND, INC Secu Credit Union Secu Credit Union Branch	971 Corporate Blvd	Linthicum	MD
ACT 1ST Allegany County Teachers Federal Credit Union Allegany County Teachers Federal Credit Union Branch	14316 National Hwy SW	LaVale	MD
FIRST PEOPLES COMMUNITY Value City Value City Branch	54 QUEEN CITY DR	CUMBERLAND	MD
PATRIOT North Pointe Office North Pointe Office Branch	18721 Longmeadow Rd	Hagerstown	MD
SECURITYPLUS Operations Center Operations Center Branch	7135 Windsor Blvd	Baltimore	MD
JOHNS HOPKINS East Baltimore Branch East Baltimore Branch	2027 E Monument St	Baltimore	MD
NATIONAL INSTITUTES OF HEALTH Corporate Office Corporate Office Branch	111 Rockville Pike Ste 500	Rockville	MD
PARTNERS 1ST Partners 1st Fcu, Br. 28 Partners 1st Fcu, Br. 28 Branch	726 Cambridge Plz	Cambridge	MD
THIOKOL ELKTON Thiokol-elkton Fcu Thiokol-elkton Fcu Branch	55 Thiokol Rd	Elkton	MD
ACT 1ST Allegany County Teachers Federal Credit Union Allegany County Teachers Federal Credit Union Branch	14316 National Hwy SW	LaVale	MD
PATRIOT North Pointe Office North Pointe Office Branch	18721 Longmeadow Rd	Hagerstown	MD
CENTRAL CREDIT UNION OF MARYLAND,IN Main Office Main Office Branch	8501 La Salle Rd	Baltimore	MD
FREEDOM OF MARYLAND Fountain Green Fountain Green Branch	1304 E Churchville Rd	Bel Air	MD
ABERDEEN PROVING GROUND Apg Branch Apg Branch	2402 Chesapeake Ave	Aberdeen Proving Ground	MD
SECURITYPLUS Operations Center Operations Center Branch	7135 Windsor Blvd	Baltimore	MD
FIRST FINANCIAL OF MARYLAND Catonsville Catonsville Branch	Westpark Shopping Center	Catonsville	MD
JOHNS HOPKINS East Baltimore Branch East Baltimore Branch	2027 E Monument St	Baltimore	MD
NATIONAL INSTITUTES OF HEALTH Corporate Office Corporate Office Branch	111 Rockville Pike Ste 500	Rockville	MD
TREASURY DEPARTMENT Pg Center Pg Center Branch	3700 E WEST HWY Rm 428	HYATTSVILLE	MD
MARKET USA Laurel Branch Laurel Branch	8871 Gorman Rd	Laurel	MD
LAFAYETTE Kensington Branch Kensington Branch	3535 UNIVERSITY BLVD W	KENSINGTON	MD
STATE EMPLOYEES CU OF MARYLAND, INC Secu Credit Union Secu Credit Union Branch	971 Corporate Blvd	Linthicum	MD
PENTAGON Jessup-odenton - Md Jessup-odenton - Md Branch	2657 Annapolis Rd # C	Hanover	MD
CEDAR POINT Headquarters Headquarters Branch	22745 Maple Rd	Lexington Park	MD
MARKET USA Laurel Branch Laurel Branch	8871 Gorman Rd	Laurel	MD
STATE EMPLOYEES CU OF MARYLAND, INC Secu Credit Union Secu Credit Union Branch	971 Corporate Blvd	Linthicum	MD
NASA Colllington Branch Colllington Branch	500 Prince Georges Blvd	Upper Marlboro	MD
FIRST PEOPLES COMMUNITY Value City Value City Branch	54 QUEEN CITY DR	CUMBERLAND	MD
WEPCO Wepco - Lavale Branch Wepco - Lavale Branch	12511 Winchester Rd SW	LaVale	MD
NYMEO Nymeo Federal Credit Union Nymeo Federal Credit Union Branch	5210 Chairmans Ct	FREDERICK	MD
PATRIOT North Pointe Office North Pointe Office Branch	18721 Longmeadow Rd	Hagerstown	MD
CENTRAL CREDIT UNION OF MARYLAND,IN Main Office Main Office Branch	8501 La Salle Rd	Baltimore	MD
SECURITYPLUS Operations Center Operations Center Branch	7135 Windsor Blvd	Baltimore	MD
POINT BREEZE Hunt Valley Hunt Valley Branch	11104 McCormick Rd	Hunt Valley	MD
SIGNAL FINANCIAL Kensington Kensington 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 Germantown Germantown Branch	12820 Wisteria Dr	Germantown	MD
SPECTRA Waldorf Branch Waldorf Branch	1024 Saint Nicholas Dr	Waldorf	MD
FEDCHOICE New Carrollton Financial Service Center New Carrollton Financial Service Center Branch	5000 Ellin Rd Rm c1-100	Lanham	MD
TREASURY DEPARTMENT Pg Center Pg Center Branch	3700 E WEST HWY Rm 428	HYATTSVILLE	MD
CEDAR POINT Headquarters Headquarters Branch	22745 Maple Rd	Lexington Park	MD
PARTNERS 1ST Partners 1st Fcu, Br. 28 Partners 1st Fcu, Br. 28 Branch	726 Cambridge Plz	Cambridge	MD
PENTAGON Jessup-odenton - Md Jessup-odenton - Md Branch	2657 Annapolis Rd # C	Hanover	MD
CEDAR POINT Headquarters Headquarters Branch	22745 Maple Rd	Lexington Park	MD
HAR-CO Main Branch Main Branch	30 N Hickory Ave	Bel Air	MD
PENTAGON Jessup-odenton - Md Jessup-odenton - Md Branch	2657 Annapolis Rd # C	Hanover	MD
ACT 1ST Allegany County Teachers Federal Credit Union Allegany County Teachers Federal Credit Union Branch	14316 National Hwy SW	LaVale	MD
NYMEO Nymeo Federal Credit Union Nymeo Federal Credit Union Branch	5210 Chairmans Ct	FREDERICK	MD
SIGNAL FINANCIAL Kensington Kensington 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 Germantown Germantown Branch	12820 Wisteria Dr	Germantown	MD
EDUCATIONAL SYSTEMS Corporate Office Corporate Office Branch	7500 Greenway Center Dr	Greenbelt	MD
FEDFINANCIAL Lockwood Lockwood Branch	11233 Lockwood Dr	Silver Spring	MD
Department of Commerce Silver Spring Office Silver Spring Office Branch	1325 E West HWY	silver spring	MD
NATIONAL INSTITUTES OF HEALTH Corporate Office Corporate Office Branch	111 Rockville Pike Ste 500	Rockville	MD
ANDREWS FEDERAL CREDIT UNION Allentown Road Allentown Road Branch	5711 Allentown Rd	Suitland	MD
FEDCHOICE New Carrollton Financial Service Center New Carrollton Financial Service Center Branch	5000 Ellin Rd Rm c1-100	Lanham	MD
TREASURY DEPARTMENT Pg Center Pg Center Branch	3700 E WEST HWY Rm 428	HYATTSVILLE	MD
MARKET USA Laurel Branch Laurel Branch	8871 Gorman Rd	Laurel	MD
CEDAR POINT Headquarters Headquarters Branch	22745 Maple Rd	Lexington Park	MD
LAFAYETTE Kensington Branch Kensington Branch	3535 UNIVERSITY BLVD W	KENSINGTON	MD
EDUCATIONAL SYSTEMS Corporate Office Corporate Office Branch	7500 Greenway Center Dr	Greenbelt	MD
PARTNERS 1ST Partners 1st Fcu, Br. 28 Partners 1st Fcu, Br. 28 Branch	726 Cambridge Plz	Cambridge	MD
AGRICULTURE Riverdale Riverdale Branch	4700 River Rd	Riverdale	MD
EDUCATIONAL SYSTEMS Corporate Office Corporate Office Branch	7500 Greenway Center Dr	Greenbelt	MD
AGRICULTURE Riverdale Riverdale Branch	4700 River Rd	Riverdale	MD

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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.