Ferko Md

PO Box 1478, Frederick, MD 21702

NCUA Insured5.0 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 1478

Frederick, MD 21702

Google Maps 🗺Waze

(301) 662-7266

Service Area

This credit union is located in Frederick and serves members in the MD area. Currently serving 3,050 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.03%

Used Auto Loan

6.42%

Personal Loan

10.48%

Credit Card APR

12.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Signal Financial— New Auto Loan

Kensington, MD

1.74%

Signal Financial— Used Auto Loan

Kensington, MD

2.24%

Capital Area Taiwanese— Personal Loan

Rockville, MD

6.00%

Municipal Empl.Credit Union of Balt— Credit Card APR

Baltimore, MD

1.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

5.0

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Seth Foster

a year ago

Based credit union. Everyone was friendly and I felt welcomed. Personalized banking at it's finest. Stick it to the for-profit banks and join a credit union ASAP, preferably this one if you're eligible.

Amber Meadows

4 years ago

Agreat place and great people. Very easy to put money in or take out. Very accommodating for loans. I've only had great experiences with Ferko and employees.

Brian Lingham

3 years ago

Every greets you with a smile and when u call they make u feel like you are the most important person in the world they should sell the blueprint to these big cooperate banks for great customer service thank you Ferko 😊