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iAdvertiser Disclosure
Advertiser Disclosure
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 Mid-Atlantic Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 18, 2026
Mid-Atlantic Federal Credit Union's 1 Year Regular & IRA CDs rates are at 3.80%, 3 Month Regular CDs rates are at 3.80%, 6 Month Regular & IRA CDs rates are at 3.80%, 18 Month Regular & IRA Accumulator CDs rates are at 3.65%, 2 Year Regular & IRA CDs rates are at 3.60%. 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 Conventional 1Yr COFI ARM rates are at 4.50%, Conventional 3 Yr ARM rates are at 5.00%, Conventional 3 Yr ARM rates are at 5.25%, Conventional 5 Yr ARM rates are at 5.25%, Conventional 5 Yr ARM rates are at 5.50%. Mid-Atlantic Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Mid-Atlantic Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.64%. Rates were last updated on 04/18/2026. 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 Mid-Atlantic Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mid-Atlantic Federal Credit Union. Mid-Atlantic Federal Credit Union
Germantown 12820 Wisteria Dr
https://www.mafcu.org 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 Mortgage 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 & Overview
Credit Union Name
Mid-Atlantic Federal Credit Union
Website
https://www.mafcu.org
Address
12820 Wisteria Dr,
Germantown, MD 20874 2627
Phone
301-944-1800
Fax
301-944-1801
President
Randy Scritchfield
CEO
Tamara Schiavone
Full-Time Employees
59
Part-Time Employees
3
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.64%
Return on Assets (ROA)
0.5153%
Return on Equity (ROE)
4.8037%
Non-Performing Loans Ratio (NPL)
1.01%
Total 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
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mid-Atlantic Federal Credit UnionIs Mid-Atlantic Federal Credit Union a safe place to deposit money?Yes, Mid-Atlantic Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.6437275711368%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Mid-Atlantic Federal Credit Union operate?Mid-Atlantic Federal Credit Union 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 Mid-Atlantic Federal Credit Union?Yes, to access services at Mid-Atlantic Federal Credit Union, 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, Mid-Atlantic Federal Credit Union 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, Mid-Atlantic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mid-Atlantic Federal Credit Union offer online and mobile banking?Most modern institutions like Mid-Atlantic Federal Credit Union 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.mafcu.org. Current Mid-Atlantic Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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