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 First Financial of Maryland FCU Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 20, 2026
First Financial of Maryland FCU's Financial Dimensions Client Special - (Share, IRA) 7-Month rates are at 5.00%, 9-Month New Money CD rates are at 4.20%, CDs - (Business) 9 Month CD Special New Money rates are at 4.20%, 11-Month CD rates are at 4.10%, CDs - (Business) 12 Month rates are at 3.70%. First Financial of Maryland FCU's savings rates are at 0.10%. First Financial of Maryland FCU's money market rates are at 0.10%. First Financial of Maryland FCU's Conventional Mortgage - 15 year rates are at 5.12%, Adjustable-Rate Mortgages - 5/5 Loan rates are at 5.25%, Conventional Mortgage - 20 year rates are at 5.62%, Adjustable-Rate Mortgages - 10/10/10 Loan rates are at 6.00%, Conventional Mortgage - 30 year rates are at 6.12%. First Financial of Maryland FCU's Personal Loan Rates are as low as 13.74%. First Financial of Maryland FCU's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of First Financial of Maryland FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.52%. Rates last updated and verified on 09/20/2026. First Financial of Maryland FCU 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 First Financial of Maryland FCU? Share your experience about First Financial of Maryland FCU by leaving a review below, or read customer reviews before you decide to use First Financial of Maryland FCU. First Financial of Maryland FCU
Loveton 72 Loveton Cir
https://www.firstfinancial.org Sparks, MD 21152-9202 
First Financial of Maryland FCU CD Rates
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Financial Health HistoryFirst Financial of Maryland FCU’s Texas Ratio rose from 0.79% in Q2 2023 to 1.52% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Financial of Maryland FCU 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 First Financial of Maryland FCU 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 First Financial of Maryland FCU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Financial of Maryland FCU
Website
https://www.firstfinancial.org
Address
72 Loveton Cir,
Sparks, MD 21152-9202
Phone
410-321-6060
Fax
410-321-6352
President
Robert Brenneman
CEO
Eric Church
Full-Time Employees
192
Part-Time Employees
0
Branch Locations
10
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.52%
Return on Assets (ROA)
0.0933%
Return on Equity (ROE)
0.5558%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
1,421,174,073
Total Amount of Shares and Deposits
1,174,763,882
Total Shares and Deposits < 1 Year
1,160,884,039
Total Shares and Deposits 1 3 Years
13,879,843
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
66,297,864
Total Uninsured Shares and Deposits > $250K (F+J)
66,297,864
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,108,466,018
Total Interest Expense (Sum of items 6 8)
4,034,279
Share Certificates
11,095
Number of Accounts for Share Drafts
55,798
IRA KEOGH Accounts
3,688
Number of Accounts for Regular Shares
97,686
All other shares
2,265
Money Market Shares
1,657
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)
120,452,992
Total Liabilities
1,203,537,763
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About First Financial of Maryland FCUHow many branches does First Financial of Maryland FCU operate?First Financial of Maryland FCU 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 First Financial of Maryland FCU?Yes, to access services at First Financial of Maryland FCU, 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, First Financial of Maryland FCU 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, First Financial of Maryland FCU provides members with tools to manage their accounts and build a solid financial history. Does First Financial of Maryland FCU offer online and mobile banking?Most modern institutions like First Financial of Maryland FCU 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.firstfinancial.org. Current First Financial of Maryland FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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