Mid-Atlantic Federal Credit Union Rates and Review February 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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Mid-Atlantic Federal Credit Union's CD 1 Year Regular & IRA CDs rates are at 3.80%, 3 month CD 3 Month Regular CDs rates are at 3.80%, 6 month CD 6 Month Regular & IRA CDs rates are at 3.80%, 18 month CD 18 Month Regular & IRA Accumulator CDs rates are at 3.65%, 30 Days CD 30 Day Regular CDs rates are at 3.65%. Mid-Atlantic Federal Credit Union's savings rates are at 0.30%. Mid-Atlantic Federal Credit Union's money market rates are at 1.00%. Mid-Atlantic Federal Credit Union's Personal Loan Rates are at 4.99%.
Mid-Atlantic Federal Credit Union 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 Mid-Atlantic Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Mid-Atlantic Federal Credit Union Texas RatioMid-Atlantic Federal Credit Union's Texas Ratio is at 6.64%, which is considered excellent. The Texas Ratio for Mid-Atlantic Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Mid-Atlantic Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Mid-Atlantic Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Mid-Atlantic Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Mid-Atlantic Federal Credit Union
Germantown 12820 Wisteria Dr
Germantown, MD 20874 2627 
Mid-Atlantic Federal Credit Union CD Rates
Mid-Atlantic Federal Credit Union Savings Rates
Mid-Atlantic Federal Credit Union Money Market Rates
Mid-Atlantic Federal Credit Union Checking Rates
Mid-Atlantic Federal Credit Union Home Equity & HELOC
Mid-Atlantic Federal Credit Union Auto Loan Rates
Mid-Atlantic Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Mid-Atlantic Federal Credit Union 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 Mid-Atlantic Federal Credit Union 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 Mid-Atlantic Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Mid-Atlantic Federal Credit Union
Website: https://www.mafcu.org
Full Time Employees: 59Part Time Employees: 3 President: Randy Scritchfield CEO: Tamara Schiavone Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
12820 Wisteria Dr
Germantown, MD 20874 2627 Phone Number: 301-944-1800 Fax Number: 301-944-1801 FinancialsTotal Assets:
439,499,928
Total Amount of Shares and Deposits:
387,226,568
Total Shares and Deposits < 1 Year:
372,875,075
Total Shares and Deposits 1 3 Years:
13,611,280
Total Shares and Deposits > 3 Years:
740,212
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
56,842,350
Total Uninsured Shares and Deposits > $250K (F+J):
56,842,350
Total Insured Shares and Deposits > $250K (item 17 less item K):
330,384,218
Total Interest Expense (Sum of items 6 8):
4,505,976
Share Certificates:
2,669
Number of Accounts for Share Drafts:
15,418
IRA KEOGH Accounts:
654
Number of Accounts for Regular Shares:
21,381
Money Market Shares:
1,310
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
69,792,859
Total Liabilities:
392,341,374
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsXdJL
December 17, 2025
EMlr
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Frequently Asked Questions About Mid-Atlantic Federal Credit UnionIs a member application needed to join Mid-Atlantic Federal Credit Union?Yes, to access services at Mid-Atlantic Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Mid-Atlantic Federal Credit Union provides a range of mortgage and home equity products. Is Mid-Atlantic Federal Credit Union a safe place to deposit money?Yes, Mid-Atlantic Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Mid-Atlantic Federal Credit Union offer online and mobile banking?Most modern institutions like Mid-Atlantic Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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