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First Financial Of Maryland Federal Credit Union


Overview / Commentary
www.firstfinancial.org
410-321-6060
72 Loveton Cir
Sparks, MD 21152-9202

First Financial Of Maryland Federal Credit Union is headquartered in Sparks and is the 8th largest credit union in the state of Maryland. It is also the 340th largest credit union in the nation. It was established in 1953 and as of December of 2021, it had grown to 150 employees and 64,897 members at 7 locations. First Financial Of Maryland Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in First Financial Federal Credit Union is open to the following: (1) employees, students and their families of Baltimore County Public Schools and Colleges, Carroll County Public Schools, Carroll Community College, Notre Dame of Maryland University and other select schools, colleges and universities in the Baltimore area; (2) employees of Baltimore Medical Systems, MedStar Health, Random House, Carroll Health Group and other select employer groups; (3) federal employees working in downtown Baltimore.
See current membership details

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Reviews (2)

FFCU Experience

Posted by: |

This bank has been very understanding and quick to respond to any issues I have had They have very short deposit windows for checks, and their fees are very low. I feel comfortable banking with a smaller bank. I was able to open a credit card as soon as I turned 18, and was offered several very reasonable loan packages very early on in my adult life.

1

Horrible Customer Service

Posted by: |

I’ve had an account with them for 30 years. They were great until about 3 years ago. Their Customer Service is absolutely horrible now. I have to wait on hold for an average of 25-35 minutes every time I call. The representatives are poorly trained and often give incorrect information. Their website is awful now. There had been an overall huge decline in FFF due to poor management and untrained employees.

1


Health
A+

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #8554
Year Chartered1953
Employees150
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD1.49%
Annual Interest Income$29.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.26B$1.18B
LoansQ4 2021vs Q4 2020$631.1MM$569.0MM
DepositsQ4 2021vs Q4 2020$1.03B$943.0MM
Equity CapitalQ4 2021vs Q4 2020$216.3MM$221.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$3.1MM$2.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.3MM$2.4MM
Real Estate OwnedQ4 2021vs Q4 2020$0$94.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Financial Of Maryland Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Financial Of Maryland Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$500k*-Money Manager Savings
OTHER TIERS: 0.05% → Up to $2k | 0.10% → $2k - $500k
0.10%*$2k*-Share Savings
OTHER TIERS: 0.05% → Up to $2k
0.10%*$2k*-Summer Pay Savings
OTHER TIERS: 0.05% → Up to $2k
0.10%*$2k*-Christmas Club
OTHER TIERS: 0.05% → Up to $2k
0.10%*$2k*-IRA Savings Account
OTHER TIERS: 0.05% → Up to $2k
0.10%*$2k*-HSA Checking Account
OTHER TIERS: 0.05% → Up to $2k

First Financial Of Maryland Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$2k*-Money Market
OTHER TIERS: 0.05% → Up to $2k

First Financial Of Maryland Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$3kBetter Rewards Checking
OTHER TIERS: 0.05% → $3k+
0.05%--Complete Checking

First Financial Of Maryland Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$500-36 Month Share Certificate
0.15%$500-12 Month Share Certificate
0.15%$500-18 Month Share Certificate
0.15%$500-24 Month Share Certificate
0.10%$500-6 Month Share Certificate

First Financial Of Maryland Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$500-36 Month IRA Certificate
0.15%$500-12 Month IRA Certificate
0.15%$500-18 Month IRA Certificate
0.15%$500-24 Month IRA Certificate
0.10%$500-6 Month IRA Certificate
Locations


First Financial Of Maryland Federal Credit Union Locations
Branch Office625 Baltimore Blvd Ste H Crossroads SquareWestminster, MD 21157-6183
Branch Office72 Loveton CirSparks, MD 21152-9202
Branch Office9906 Reisterstown Rd St. Thomas Shopping CenterOwings Mills, MD 21117-3945
Branch Office8665 Pulaski Hwy Ste 118 8665 Shopping CenterBaltimore, MD 21237-3028
Branch Office7966 Belair Rd Putty Hill PlazaBaltimore, MD 21236-3706
Branch Office40 W Plaza 6497 Baltimore National PikeCatonsville, MD 21228
Branch Office1301 York RdLutherville, MD 21093-6035

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