What are the current interest rates at Central Credit Union of Maryland?

Current rates for Central Credit Union of Maryland include: 12-Month CD: 3.80%, 24-Month CD: 3.60%, Savings: 0.10%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Central Credit Union of Maryland

iAdvertiser Disclosure

Central Credit Union of Maryland Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Credit Union of Maryland provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Central Credit Union of Maryland's 1 Year CD rates are at 3.80%, 3 Year CD rates are at 3.75%, 2 Year CD rates are at 3.60%. Central Credit Union of Maryland's savings rates are at 0.10%. Central Credit Union of Maryland's Personal Loan Rates are as low as 12.90%. MonitorBankRates evaluates the financial stability of Central Credit Union of Maryland with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.55%. Rates last updated and verified on 09/22/2026.

Central Credit Union of Maryland money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Credit Union of Maryland? Share your experience about Central Credit Union of Maryland by leaving a review below, or read customer reviews before you decide to use Central Credit Union of Maryland.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Credit Union of Maryland
Loch Raven Branch

8501 La Salle Rd
Baltimore, MD 21286-5914

https://www.ccumd.org

Central Credit Union of Maryland CD Rates

Product	Rate	APY	Term
1 Year Certificate	3.73%	3.80%	1 Year
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
3 Year Certificate	3.68%	3.75%	3 Years
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
2 Year Certificate	3.54%	3.60%	2 Years
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Central Credit Union of Maryland Savings Rates

Product	Rate	APY
Club Savings	0.10%	0.10%
Min Deposit $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Share Savings	0.10%	0.10%
Min Deposit $250 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Central Credit Union of Maryland Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Car & Truck Loans	-	-	5.49%
Details As Low As; No payments for 90 days. Flexible terms up to 84 months. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Central Credit Union of Maryland Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	12.90%	UP to 72 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%
Personal / Anything Loan	12.90%	Up to 72 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Central Credit Union of Maryland Other Rates

Product	Rate	Points	APY/APR	Term	View More
Vacation Loan	-	-	12.90%	Up to 72 months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.55%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Central Credit Union of Maryland’s Texas Ratio stayed near 0.25% in Q2 2023 to 0.55% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$42M	0.55%	5.0	A+
December 31, 2025	$42M	0.46%	5.0	A+
September 30, 2025	$42M	0.58%	5.0	A+
June 30, 2025	$43M	0.82%	5.0	A+
March 31, 2025	$43M	1.09%	5.0	A+
December 31, 2024	$42M	0.93%	5.0	A+
September 30, 2024	$42M	0.84%	5.0	A+
June 30, 2024	$44M	2.60%	5.0	A+
March 31, 2024	$44M	1.30%	5.0	A+
December 31, 2023	$44M	0.87%	5.0	A+
September 30, 2023	$46M	0.21%	5.0	A+
June 30, 2023	$46M	0.25%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Central Credit Union of Maryland is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Central Credit Union of Maryland rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central Credit Union of Maryland's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Credit Union of Maryland

Website https://www.ccumd.org

Address 8501 La Salle Rd, Baltimore, MD 21286-5914

Phone 410-828-4500

Fax 410-337-4905

President Gary Martin

CEO Lisa Jester

Full-Time Employees 5

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.55%

Return on Assets (ROA)

0.2309%

Return on Equity (ROE)

1.8531%

Non-Performing Loans Ratio (NPL)

0.19%

Total Assets

42,199,783

Total Amount of Shares and Deposits

36,885,332

Total Shares and Deposits < 1 Year

36,777,922

Total Shares and Deposits 1 3 Years

107,410

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

291,887

Total Uninsured Shares and Deposits > $250K (F+J)

291,887

Total Insured Shares and Deposits > $250K (item 17 less item K)

36,593,445

Total Interest Expense (Sum of items 6 8)

11,366

Share Certificates

Number of Accounts for Share Drafts

2,139

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,829

All other shares

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,164,010

Total Liabilities

36,931,094

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Central Credit Union of Maryland earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/central-credit-union-of-marylandin-rates-review-66340">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Central Credit Union of Maryland yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Central Credit Union of Maryland

Frequently Asked Questions About Central Credit Union of Maryland

How many branches does Central Credit Union of Maryland operate?

Central Credit Union of Maryland currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Central Credit Union of Maryland?

Yes, to access services at Central Credit Union of Maryland, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Central Credit Union of Maryland does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Credit Union of Maryland provides members with tools to manage their accounts and build a solid financial history.

Does Central Credit Union of Maryland offer online and mobile banking?

Most modern institutions like Central Credit Union of Maryland provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ccumd.org.