What are the current interest rates at First Financial of Maryland FCU?

Current rates for First Financial of Maryland FCU include: 12-Month CD: 3.10%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, Savings: 0.30%, MMA: 0.20%

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First Financial of Maryland FCU

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First Financial of Maryland FCU Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

First Financial of Maryland FCU's top rates as of October 12, 2026 are 5.00% APY on its 7-Month Financial Dimensions Client CD Special, 0.30% APY on savings, 0.20% APY on money market accounts, 3.00% APY on checking, 5.25% on its Conventional Mortgage - 15 year, personal loans from 13.99% APR, and credit cards from 13.99% APR, according to rates verified by MonitorBankRates. Other First Financial of Maryland FCU CD rates include CD Specials - (Share, IRA) 11-Month at 4.35%, CD Specials - (Share, IRA) 9-Month at 4.35%, and CDs - (Business) 9 Month CD Special New Money at 4.35%. Other First Financial of Maryland FCU mortgage rates include Adjustable Rate Mortgage 5/5 at 5.50%, Conventional Mortgage - 20 year at 5.88%, and Adjustable Rate Mortgage 10/10/10 at 6.25%. 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 2.01%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Financial of Maryland FCU
Loveton

72 Loveton Cir
Sparks, MD 21152-9202

https://www.firstfinancial.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Financial of Maryland FCU CD Rates

Product	Rate	APY	Term
7-Month Financial Dimensions Client Certificate Special	4.88%	5.00%	7-Month
Min Balance $500 Details Balance: Minimum $500, maximum $100,000 to open; must have $500,000 or more in assets under Financial Dimensions management; limited to one certificate per household; will not automatically renew at maturity, balance transferred to share savings or IRA savings account; cannot be opened through Online or Mobile Banking Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificate Specials - (Share, IRA) 11-Month	4.26%	4.35%	11-Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificate Specials - (Share, IRA) 9-Month	4.26%	4.35%	9-Month
Min Balance $5,000 Details New Money Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 12-Month	4.26%	4.35%	12-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 9-Month	4.11%	4.20%	9-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 6-Month	4.07%	4.15%	6-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 36-Month	4.02%	4.10%	36-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 24-Month	3.92%	4.00%	24-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 12-Month	3.78%	3.85%	12-Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 4, 20263.85%▲ from 3.70% Sep 12, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 18-Month	3.68%	3.75%	18-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificate Specials - (Share, IRA) 3-Month	3.63%	3.70%	3-Month
Min Balance $500 Details New Money Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 9-Month	3.63%	3.70%	9-Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 4, 20263.70%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 6-Month	3.59%	3.65%	6-Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Oct 4, 20263.65%▲ from 3.40% Sep 12, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 36-Month	3.54%	3.60%	36-Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 4, 20263.60%▲ from 3.45% Sep 12, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 24-Month	3.44%	3.50%	24-Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Oct 4, 20263.50%▲ from 3.35% Sep 12, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 18-Month	3.20%	3.25%	18-Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
11 Month Certificate Builder - (Share)	3.05%	3.10%	11 Month
Min Balance $100 Details Principal balance or additional deposits may not exceed $10,000; automatic renewal to like terms; one-time penalty-free withdrawal after 7 days Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - 3-Month	2.76%	2.80%	3-Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55% Oct 4, 20262.80%▲ from 2.55% Sep 12, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Share, IRA, HSA) - Better Rewards 3-Month	2.76%	2.80%	3-Month
Min Balance $500 Details Better Rewards rate; requires Better Rewards Checking eligibility at time of opening or renewal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Business CD Rates

Product	Rate	APY	Term
Certificates - (Business) 9 Month Certificate Special New Money	4.26%	4.35%	9 Month
Min Balance $5,000 Details Special New Money certificate Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20% Oct 4, 20264.35%▲ from 4.20% Sep 12, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 12 Month	3.78%	3.85%	12 Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70% Oct 4, 20263.85%▲ from 3.70% Sep 12, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 9 Month	3.63%	3.70%	9 Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 4, 20263.70%▲ from 3.50% Sep 12, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 6 Month	3.59%	3.65%	6 Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Oct 4, 20263.65%▲ from 3.40% Sep 12, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 36 Month	3.54%	3.60%	36 Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45% Oct 4, 20263.60%▲ from 3.45% Sep 12, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 24 Month	3.44%	3.50%	24 Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Oct 4, 20263.50%▲ from 3.35% Sep 12, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 18 Month	3.20%	3.25%	18 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Certificates - (Business) 3 Month	2.76%	2.80%	3 Month
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 2.55% → 2.80% ▲ 0.25 pts · high 2.80% / low 2.55% Oct 4, 20262.80%▲ from 2.55% Sep 12, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Savings Rates

Product	Rate	APY
Money Manager Savings	-	0.30%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 to $749,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Manager Savings	-	0.30%
Min Deposit $10,000 Min Balance $750,000 Details Balance: $750,000 and over Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Holiday Club	-	0.20%
Min Balance $2,000 Details Balance: $2,000 and Over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Savings Account	-	0.20%
Min Balance $2,000 Details Balance: $2,000 and Over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Manager Savings	-	0.20%
Min Deposit $10,000 Min Balance $2,000 Details Balance: $2,000 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Manager Savings	-	0.20%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Manager Savings	-	0.20%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Manager Savings	-	0.20%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Share Savings	-	0.20%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000 and Over; Share savings dividends are compounded daily and credited quarterly Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Summer Pay Savings	-	0.20%
Min Balance $2,000 Details Balance: $2,000 and Over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Holiday Club	-	0.10%
Min Balance $0 Details Balance: $0 to $1,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
IRA Savings Account	-	0.10%
Min Balance $0 Details Balance: $0 to $1,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Manager Savings	-	0.10%
Min Deposit $10,000 Min Balance $0 Details Balance: $0 to $1,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Share Savings	-	0.10%
Min Deposit $1 Min Balance $0 Details Balance: $0 to $1,999.99; Share savings dividends are compounded daily and credited quarterly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Summer Pay Savings	-	0.10%
Min Balance $0 Details Balance: $0 to $1,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Money Market Rates

Product	Rate	APY
Money Market	-	0.20%
Min Deposit $2,500 Min Balance $2,000 Details Balance: $2,000 to $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Money Market	-	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $1,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Checking Rates

Product	Rate	APY
Better Rewards Checking	-	3.00%
Min Balance $0 Details Balance: $0-$3,000.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
HSA Checking	-	0.20%
Min Balance $2,000 Details Balance: $2,000 and Over; Checking dividends are compounded daily and credited monthly Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Better Rewards Checking	-	0.10%
Min Balance $3,000 Details Balance: $3,000.01 and Over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Complete Checking	-	0.10%
Details Balance: Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
HSA Checking	-	0.10%
Min Balance $0 Details Balance: $0 to $1,999.99; Checking dividends are compounded daily and credited monthly Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Mortgage - 15 year	5.25%	0	5.375%	15 year
Details Effective Date: 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 5.13% → 5.38% ▲ 0.25 pts · high 5.38% / low 5.13% Oct 8, 20265.38%▲ from 5.13% Sep 20, 20265.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Adjustable Rate Mortgage 5/5	5.50%	0	5.575%
Details As Low As; Effective Date: 10/12/2026; Rate adjusts after the fixed period Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Conventional Mortgage - 20 year	5.875%	0	5.986%	20 year
Details Effective Date: 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 5.73% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.73% Oct 8, 20265.99%▲ from 5.73% Sep 20, 20265.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Adjustable Rate Mortgage 10/10/10	6.25%	0	6.337%
Details As Low As; Effective Date: 10/12/2026; Rate adjusts after the fixed period Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Conventional Mortgage - 30 year	6.375%	0	6.463%	30 year
Details Effective Date: 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 6.21% → 6.46% ▲ 0.25 pts · high 6.46% / low 6.21% Oct 8, 20266.46%▲ from 6.21% Sep 20, 20266.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Conventional Mortgage - 15 year Land Loan	6.75%	0	6.891%	15 year
Details Effective Date: 10/12/2026 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Lines of Credit	-	-	7.00%
Details As Low As; Loan Type: Up to 80% LTV; 2.49% promo rate for first 12 months for qualified members Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 12, 20267.00%▲ from 6.75% Sep 20, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Home Equity Lines of Credit	-	-	8.00%
Details As Low As; Loan Type: 80.01% - 90% LTV; 2.49% promo rate for first 12 months for qualified members Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 12, 20268.00%▲ from 7.75% Sep 20, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Home Equity Lines of Credit	-	-	9.00%
Details As Low As; Loan Type: 90.01% - 100% LTV; 2.49% promo rate for first 12 months for qualified members Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 12, 20269.00%▲ from 8.75% Sep 20, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.24%	60 months
Details As Low As; Maximum Term 60 months; Auto Loans - New or Used/Purchase or Refinance; Motorcycles excluded Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 4.49% → 5.24% ▲ 0.75 pts · high 5.24% / low 4.49% Oct 4, 20265.24%▲ from 4.99% Sep 20, 20264.99%▲ from 4.49% Sep 12, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Auto Loan	-	-	5.49%	60 months
Details As Low As; Maximum Term 60 months; Auto Loans - New or Used/Purchase or Refinance; Motorcycles excluded Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 4.74% → 5.49% ▲ 0.75 pts · high 5.49% / low 4.74% Oct 4, 20265.49%▲ from 5.24% Sep 20, 20265.24%▲ from 4.74% Sep 12, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New Auto Loan	-	-	5.50%	72 months
Details As Low As; Maximum Term 72 months; Auto Loans - New or Used/Purchase or Refinance; Motorcycles excluded Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 4.75% → 5.50% ▲ 0.75 pts · high 5.50% / low 4.75% Oct 4, 20265.50%▲ from 5.25% Sep 20, 20265.25%▲ from 4.75% Sep 12, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Auto Loan	-	-	5.75%	72 months
Details As Low As; Maximum Term 72 months; Auto Loans - New or Used/Purchase or Refinance; Motorcycles excluded Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.00% → 5.75% ▲ 0.75 pts · high 5.75% / low 5.00% Oct 4, 20265.75%▲ from 5.50% Sep 20, 20265.50%▲ from 5.00% Sep 12, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
New Auto Loan	-	-	6.24%	84 months
Details As Low As; Maximum Term 84 months; Auto Loans - New or Used/Purchase or Refinance; Motorcycles excluded Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.24% / low 5.49% Oct 4, 20266.24%▲ from 5.99% Sep 20, 20265.99%▲ from 5.49% Sep 12, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Used Auto Loan	-	-	6.49%	84 months
Details As Low As; Maximum Term 84 months; Auto Loans - New or Used/Purchase or Refinance; Motorcycles excluded Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 5.74% → 6.49% ▲ 0.75 pts · high 6.49% / low 5.74% Oct 4, 20266.49%▲ from 6.24% Sep 20, 20266.24%▲ from 5.74% Sep 12, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat or RV Loan	-	6.25%	36 Months
Details New; As Low As; Maximum Term 36 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	6.50%	36 Months
Details Used; As Low As; Maximum Term 36 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 20, 20266.50%▲ from 6.25% Sep 12, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	6.50%	60 Months
Details New; As Low As; Maximum Term 60 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.75% → 6.50% ▼ 0.25 pts · high 6.75% / low 6.50% Sep 20, 20266.50%▼ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	6.75%	60 Months
Details Used; As Low As; Maximum Term 60 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	7.00%	72 Months
Details New; As Low As; Maximum Term 72 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	7.25%	72 Months
Details Used; As Low As; Maximum Term 72 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	7.75%	84 Month
Details New; As Low As; Maximum Term 84 Month; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 8.00% → 7.75% ▼ 0.25 pts · high 8.00% / low 7.75% Sep 20, 20267.75%▼ from 8.00% Sep 12, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	8.00%	84 Month
Details Used; As Low As; Maximum Term 84 Month; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	8.00%	180 Months
Details New; As Low As; Maximum Term 180 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 8.25% → 8.00% ▼ 0.25 pts · high 8.25% / low 8.00% Sep 20, 20268.00%▼ from 8.25% Sep 12, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Boat or RV Loan	-	8.25%	180 Months
Details Used; As Low As; Maximum Term 180 Months; RV includes: Motorboats, Motorhomes, Truck Campers, Travel Trailers and Folding Camp trailers Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loans	-	-	4.24%
Details As Low As; Variable Rates; Student Choice private lending solution Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Credit Card Rates

Product	Rate	APR	View More
Visa Signature Rewards Credit Card	-	13.99%
Details Published APR range: 13.99%-18.00%. Intro rate expires: 6 months; Regular APR: 13.99%-18.00% (Variable APR, varies with the U.S. Prime Rate); 0% introductory rate for first 6 months for qualified members Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74% Oct 4, 202613.99%▲ from 13.74% Sep 12, 202613.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Personal Loan Rates

Product	APR	Term	View More
Visa Signature Rewards Credit Card	13.99%
Details Published APR range: 13.99%-18.00%. Intro rate expires: 6 months; Regular APR: 13.99%-18.00% (Variable APR, varies with the U.S. Prime Rate); 0% introductory rate for first 6 months for qualified members Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 13.74% → 13.99% ▲ 0.25 pts · high 13.99% / low 13.74% Oct 4, 202613.99%▲ from 13.74% Sep 12, 202613.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

First Financial of Maryland FCU Other Rates

Product	Rate	Points	APY/APR	Term
AnyTime Express Loan	-	-	8.90%	12 months
Details As Low As; Loan amount set at $1,000, $1,500, or $2,000; Rates for an AnyTime Express personal loan range from 8.90% to a maximum no greater than 18% APR Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
AnyTime Loans - 36 months	-	-	8.90%	36 months
Details As Low As; APR* as low as 8.90%; Maximum Term 36 months; Monthly Payment per $1,000 Borrowed is a payment column and is not recorded as a rate; Rates for personal loans range from 8.9% to a maximum no greater than 18% APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
AnyTime Loans - 48 months	-	-	9.90%	48 months
Details As Low As; APR* as low as 9.90%; Maximum Term 48 months; Rates for personal loans range from 8.9% to a maximum no greater than 18% APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
AnyTime Loans - 60 months	-	-	10.90%	60 months
Details As Low As; APR* as low as 10.90%; Maximum Term 60 months; Rates for personal loans range from 8.9% to a maximum no greater than 18% APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
AnyTime Loans - 84 months	-	-	11.90%	84 months
Details As Low As; APR* as low as 11.90%; Maximum Term 84 months; Rates for personal loans range from 8.9% to a maximum no greater than 18% APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%
Lines of Credit Loan	-	-	10.25%
Details As Low As; APR* as low as 10.25%; Rates are based on creditworthiness; Effective Date: 10/12/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.01%

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.
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Financial Health History

First Financial of Maryland FCU’s Texas Ratio rose from 0.67% in Q3 2023 to 2.01% in Q2 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
June 30, 2026	$1.4B	2.01%	5.0	A+
March 31, 2026	$1.4B	1.52%	5.0	A+
December 31, 2025	$1.4B	1.81%	5.0	A+
September 30, 2025	$1.3B	1.51%	5.0	A+
June 30, 2025	$1.3B	1.21%	5.0	A+
March 31, 2025	$1.3B	0.85%	5.0	A+
December 31, 2024	$1.3B	1.34%	5.0	A+
September 30, 2024	$1.3B	0.99%	5.0	A+
June 30, 2024	$1.3B	1.16%	5.0	A+
March 31, 2024	$1.3B	0.99%	5.0	A+
December 31, 2023	$1.3B	0.98%	5.0	A+
September 30, 2023	$1.2B	0.67%	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 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 196

Part-Time Employees 0

Branch Locations 10

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.01%

Return on Assets (ROA)

0.1659%

Return on Equity (ROE)

0.9919%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

1,432,442,116

Total Amount of Shares and Deposits

1,183,298,173

Total Shares and Deposits < 1 Year

1,169,890,139

Total Shares and Deposits 1 3 Years

13,408,034

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

68,942,544

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

68,942,544

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

1,114,355,629

Total Interest Expense (Sum of items 6 8)

8,262,080

Share Certificates

11,234

Number of Accounts for Share Drafts

56,184

IRA KEOGH Accounts

3,624

Number of Accounts for Regular Shares

98,562

All other shares

2,308

Money Market Shares

1,649

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)

83,162,786

Total Liabilities

1,215,479,176

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Financial of Maryland FCU earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First Financial of Maryland FCU

How 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

12-Month CD3.10%
18-Month CD3.25%
24-Month CD3.50%
Savings0.30%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Financial of Maryland FCU Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Financial of Maryland FCU Texas Ratio

First Financial of Maryland FCU Health Trend

First Financial of Maryland FCU CD Rates

First Financial of Maryland FCU Business CD Rates

First Financial of Maryland FCU Savings Rates

First Financial of Maryland FCU Money Market Rates

First Financial of Maryland FCU Checking Rates

First Financial of Maryland FCU Mortgage Rates

First Financial of Maryland FCU Home Equity & HELOC

First Financial of Maryland FCU Auto Loan Rates

First Financial of Maryland FCU RV, Boat and Powersport Loan Rates

First Financial of Maryland FCU Student Loan Rates

First Financial of Maryland FCU Credit Card Rates

First Financial of Maryland FCU Personal Loan Rates

First Financial of Maryland FCU Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Financial of Maryland FCU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Financial of Maryland FCU

How many branches does First Financial of Maryland FCU operate?

Is a member application needed to join First Financial of Maryland FCU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Financial of Maryland FCU offer online and mobile banking?

Current First Financial of Maryland FCU Rates

Compare to Other Credit Unions