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Back to Germantown credit unions

Mid-Atlantic

12820 Wisteria Dr, Germantown, MD 20874
NCUA Insured2.5 (53 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1968

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

Location & Directions

Address

12820 Wisteria Dr

Germantown, MD 20874

Google Maps🗺Waze
(301) 944-1800

Service Area

This credit union is located in Germantown and serves members in the MD area. Currently serving 17,775 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

5.49%

Used Auto Loan

5.49%

Personal Loan

11.25%

Credit Card APR

14.00%

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(4 total)

Member Reviews

2.5

53 Google reviews

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

View on Google Maps
K K

K K

3 months ago

hard to get appointments and they don't show up to virtual confirmed appointments

Elizabeth C

Elizabeth C

2 years ago

BEWARE: Mid Atlantic Federal Credit Union uses your money for their gain and contributes to loss of your money while you’re being scammed. Then they don’t have the wherewithal to return calls. Extremely poor customer service when we all have so many choices on where to bank 🏦

Kimmy Coale

Kimmy Coale

2 years ago

This is the best credit union for banking and loans. Awesome rates and extremely helpful, fast, and friendly service members. If you are paying a horrible high rate on your vehicle - try refinancing with them. No cost to refi and the loan process online is easy. Great mortgage rates also.

John Haynie

John Haynie

a year ago

The customer service representative did not speak English, $20.80 to cash a check drawn on this garbage bank. This place is not where I will be banking from due to the garbage customer service and robbery fees.

Kim D

Kim D

2 years ago

MAFCU has a policy to charge a $5 per month inactivity fee. SO, if you just want your savings account to sit there and earn dividends, be warned!! They will take $5 every month for having NO activity. Which means they do NOTHING! No transactions, no deposits, no interactions with a person, they literally charge you $5 to do nothing! It's a ridiculous policy! I have closed my account and will take my money somewhere else!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).