First Financial Of Maryland Federal Credit Union

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

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.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 7^th largest credit union in the state of Maryland. It is also the 369^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 179 employees and 73,168 members at 8 locations. First Financial Of Maryland Federal Credit Union's CD rates are 4X the national average, and it boasts 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)

Write a Review

FFFCU Experience

Posted by: Chruspy | Jan 22, 2024

I opened several CD's with them in the last couple of months. Already have a checking account there. They are busy, so wait times are commensurate. Once in the office everyone is super nice, helpful and appreciative of my business. Lost my debit card and they gave me a new replacement on the spot.
The even called me the next day to thank me for my business. No bank has ever done that. Their 6 mo CD rates are the best in the country.

Comment

Horrible Customer Service

Posted by: Jmary1967 | Feb 1, 2021

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.

Comment

Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8554
Year Chartered	1953
Employees	179
Primary Regulator

Profit Margin
Return on Assets - YTD	0.22%
Return on Equity - YTD	1.4%
Annual Interest Income	$13.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.3B$1.28B
Loans	Q1 2025vs Q1 2024	$830MM$727.7MM
Deposits	Q1 2025vs Q1 2024	$1.09B$1.05B
Equity Capital	Q1 2025vs Q1 2024	$201.1MM$188.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.8MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2MM$2.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

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

3.50%

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

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
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$2k^*	-	Share Savings
OTHER TIERS: 0.10% → $0 - $2k
0.20%^*	$2k^*	-	Summer Pay Savings
OTHER TIERS: 0.10% → $0 - $2k
0.20%^*	$2k^*	-	HSA Checking Account
OTHER TIERS: 0.10% → $0 - $2k
0.20%^*	$2k^*	-	Holiday Club
OTHER TIERS: 0.10% → $0 - $2k

First Financial Of Maryland Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$500k^*	-	Money Manager Savings
OTHER TIERS: 0.10% → $0 - $2k \| 0.20% → $2k - $500k
0.30%^*	$500k^*	-	Business Money Manager Savings
OTHER TIERS: 0.10% → $0 - $2k \| 0.20% → $2k - $500k
0.20%^*	$2k^*	-	Money Market
OTHER TIERS: 0.10% → $0 - $2k

First Financial Of Maryland Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$0	$3k	Better Rewards Checking
OTHER TIERS: 0.10% → $3k+
0.10%	$0	-	Complete Checking

First Financial Of Maryland Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$5k	-	9 Month Share Certificate Special - New Money
4.50%	$5k	-	Business 9 Month Share Certificate Special - New Money
4.40%	$25k	-	11 Month Share Certificate Special
4.30%	$500	-	12 Month Better Rewards Share Certificate
4.10%	$500	-	9 Month Better Rewards Share Certificate
4.00%	$500	-	6 Month Better Rewards Share Certificate
3.80%	$500	-	12 Month Share Certificate
3.80%	$500	-	18 Month Better Rewards Share Certificate
3.80%	$500	-	Business 12 Month Share Certificate
3.70%	$500	-	24 Month Better Rewards Share Certificate
3.60%	$500	-	9 Month Share Certificate
3.60%	$500	-	Business 9 Month Share Certificate
3.55%	$100	$10k	11 Month Builder Share Certificate
3.50%	$500	-	6 Month Share Certificate
3.50%	$500	-	36 Month Better Rewards Share Certificate
3.50%	$500	-	Business 6 Month Share Certificate
3.30%	$500	-	18 Month Share Certificate
3.30%	$500	-	Business 18 Month Share Certificate
3.20%	$500	-	24 Month Share Certificate
3.20%	$500	-	Business 24 Month Share Certificate
3.00%	$500	-	36 Month Share Certificate
3.00%	$500	-	Business 36 Month Share Certificate

First Financial Of Maryland Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$5k	-	9 Month IRA Certificate Special - New Money
4.40%	$25k	-	11 Month IRA Certificate Special
3.80%	$500	-	12 Month IRA Certificate
3.60%	$500	-	9 Month IRA Certificate
3.50%	$500	-	6 Month IRA Certificate
3.30%	$500	-	18 Month IRA Certificate
3.20%	$500	-	24 Month IRA Certificate
3.00%	$500	-	36 Month IRA Certificate
0.20%^*	$2k^*	-	IRA Savings Account
OTHER TIERS: 0.10% → $0 - $2k

Locations

First Financial Of Maryland Federal Credit Union Locations
Branch Office	625 Baltimore Blvd Ste H Crossroads Square	Westminster, MD 21157-6183
Branch Office	72 Loveton Cir	Sparks, MD 21152-9202
Branch Office	9906 Reisterstown Rd St. Thomas Shopping Center	Owings Mills, MD 21117-3945
Branch Office	8665 Pulaski Hwy Ste 118 8665 Shopping Center	Baltimore, MD 21237-3028
Branch Office	7966 Belair Rd Putty Hill Plaza	Baltimore, MD 21236-3706
Branch Office	40 W Plaza 6497 Baltimore National Pike	Catonsville, MD 21228
Branch Office	1301 York Rd	Lutherville, MD 21093-6035
Branch Office	1506 Market St	Pocomoke City, MD 21851-1712

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