First Financial Of Maryland Federal Credit Union

Overview / Commentary
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 361st largest credit union in the nation. It was established in 1953 and as of September of 2022, it had grown to 157 employees and 65,364 members at 8 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

Reviews (2)

FFCU Experience

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.

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.


Health Grade Components

NCUA #8554
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD2.2%
Annual Interest Income$24.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$1.23B$1.24B
LoansQ3 2022vs Q3 2021$673.6MM$621.9MM
DepositsQ3 2022vs Q3 2021$1.03B$1.01B
Equity CapitalQ3 2022vs Q3 2021$179.2MM$221.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$3.4MM$2.9MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.8MM$1.4MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for First Financial Of Maryland Federal Credit Union are currently being reviewed.


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
Branch Office1506 Market StPocomoke City, MD 21851-1712

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