Featured Savings Rates
Featured Accounts

Mid-Atlantic Federal Credit Union

Popular Accounts at this Credit Union

2.25%5-year CD5 Year Regular Share CD
1.45%1-year CD1 Year Regular Share CD
0.30%SavingsSpecial Savings

Overview / Commentary
12820 Wisteria Dr
Germantown, MD 20874-2627

Mid-Atlantic Federal Credit Union is headquartered in Germantown and is the 21st largest credit union in the state of Maryland. It is also the 781st largest credit union in the nation. It was established in 1968 and as of December of 2017, it had grown to 68 employees and 24,978 members at 4 locations. Mid-Atlantic Federal Credit Union's CD rates are 61% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or volunteer in Montgomery County, Maryland, as well as their immediate family members.
See current membership details

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Reviews (1)

Lousy Customer Service

Posted by: Debrro0691 | Sep 2, 2017

Customer service is all any business has going for it. Products are all the same but your customer service process and your employees (face & voice) of the business is paramount. I have on several occasions found Mid Atlantic customer service to be one of the worst in banking I've ever encountered. Not so much the tellers who are very pleasant but the management stinks. Th3e supervisors at member services are lousy and the call center is a mess. I encountered a problem with my account and it took me talking to 5 different reps to which I received no real answers to my problem and was left on hold twice to which some other rep picked up and I had to explain why I was calling all over again. I then went to on line banking and sent an email. Called back the next day and was told by a not so nice rep that her supervisor has sent me an email response that she will contact me next week Tuesday but until then I don't have access to debit card. I have to come into the bank to retrieve funds... but it's a holiday weekend and they'll be closed for the next three days. This is outrages and non customer friendly to you have funds but we can't do anything about you having access to them via your debit card until we return from a holiday weekend. What does your customer do for their funds over that holiday weekend. This bank has really declined in the last 3 years as far as I'm concerned they are really bad on providing their customers service.


Health Grade Components

NCUA #18716
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD6.33%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$306.8MM$310.1MM
LoansQ4 2017vs Q4 2016$223.4MM$214.3MM
DepositsQ4 2017vs Q4 2016$283.9MM$289.1MM
Equity CapitalQ4 2017vs Q4 2016$19.2MM$18.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$941.00K$907.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.9MM$1.5MM
Real Estate OwnedQ4 2017vs Q4 2016$0$472.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mid-Atlantic Federal Credit Union Savings Account Rates

1.00%*$500*-Student Plus Savings
OTHER TIERS: 0.30% Up to $500
1.00%*$500*-Cash Critters Club for Kids
OTHER TIERS: 0.30% Up to $500
0.30%$250-Regular Shares
0.30%$250-Holiday Club
0.30%$250-Business Regular Shares
0.30%$250-Special Savings

Mid-Atlantic Federal Credit Union Money Market Rates

0.20%*$100k*-Commercial Money Market Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $25k | 0.15% $25k - $100k
0.15%*$50k*-Money Market Plus (MMP) Account
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $50k
0.05%--Traditional IRA Daily Money Market
0.05%--Roth IRA Daily Money Market

Mid-Atlantic Federal Credit Union Checking Account Rates

1.00%*$500*-Student Plus Checking
OTHER TIERS: 0.30% Up to $500
0.05%$5k-Premier Checking

Mid-Atlantic Federal Credit Union CD Rates

2.25%$1k-5 Year Regular Share CD
2.00%$1k-4 Year Regular Share CD
1.85%$1k-3 Year Regular Share CD
1.75%$1k-2 Year Regular Share CD
1.60%$250-18 Month Accumulator Share CD
1.45%$1k-1 Year Regular Share CD
1.05%$1k-6 Month Regular Share CD
0.85%$1k-3 Month Regular Share CD

Mid-Atlantic Federal Credit Union IRA Rates

2.25%$1k-5 Year IRA Certificate
2.00%$1k-4 Year IRA Certificate
1.85%$1k-3 Year IRA Certificate
1.75%$1k-2 Year IRA Certificate
1.60%$250-18 Month IRA Accumulator Certificate
1.45%$1k-1 Year IRA Certificate
1.05%$1k-6 Month IRA Certificate

Mid-Atlantic Federal Credit Union Locations
Branch Office12820 Wisteria DrGermantown, MD 20874-2627
Branch Office555 Quince Orchard RdGaithersburg, MD 20878
Branch Office11140 New Hampshire AveSilver Spring, MD 20904
Branch Office555 Quince Orchard RdGaithersburg, MD 20878-1437