FERKO Maryland Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ferkomfcu.com

301-662-7266

502 W Patrick St
Frederick, MD 21701

FERKO Maryland Federal Credit Union is headquartered in Frederick and is the 43^rd largest credit union in the state of Maryland. It is also the 2,897^th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 3 employees and 3,097 members at 1 location. FERKO Maryland Federal Credit Union has a B health rating.

Field of Membership Restrictions

FERKO Maryland Federal Credit Union membership is open to employees of Frederick County Public Schools or Frederick Community College.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. FERKO Maryland Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	10381
Year Chartered	1955
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	2.21%
Return on Equity - YTD	12.54%
Annual Interest Income	$316K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$30.1MM$31.9MM
Loans	Q1 2025vs Q1 2024	$11.5MM$13MM
Deposits	Q1 2025vs Q1 2024	$24.8MM$27.1MM
Equity Capital	Q1 2025vs Q1 2024	$5.2MM$4.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$112K$113K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$10K$24K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings

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FERKO Maryland Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	Share Savings Account
0.20%	$5	-	Christmas Club

Locations

FERKO Maryland Federal Credit Union Locations
Branch Office	502 W Patrick St	Frederick, MD 21701

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