Fedfinancial Credit Union

Silver Spring, Maryland
Last verified: August 4, 2026
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Verified rate book

Current Fedfinancial Credit Union rates

41 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

5 offers
Fedfinancial Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
FHA 30-Year Fixed30 year fixed5.706% APR5.706%—Standard
30-Year Fixed30 year fixed6.074% APR6.074%—Standard
15-Year Fixed15 year fixed5.565% APR5.565%—Standard
10-Year Fixed10 year fixed5.363% APR5.363%—Standard
7/6 Adjustable Rate Mortgage7 1 arm5.500% APR5.500%—Standard

Auto & vehicle rates

4 offers
Fedfinancial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New & Used Vehiclesauto_any_36mo4.200% APR4.200%36 mo · anyStandard
New & Used Vehiclesauto_any_48mo4.400% APR4.400%48 mo · anyStandard
New & Used Vehiclesauto_any_60mo4.490% APR4.490%60 mo · anyStandard
New & Used Vehiclesauto_any_72mo5.490% APR5.490%72 mo · anyStandard

HELOC rates

2 offers
Fedfinancial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
7-year term, Up to 90% LTVheloc5.980% APR5.980%—Standard
15-year term, Up to 90% LTVheloc7.480% APR7.480%—Standard

Personal loan rates

2 offers
Fedfinancial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Unsecured Personal Loanpersonal_unsecured_60mo7.150% APR7.150%60 moStandard
Personal Line of Creditploc_variable10.900% APR10.900%—Standard

Credit card rates

3 offers
Fedfinancial Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
VISA Credit Card (Annual Percentage Rate on Purchases)credit_card10.490% APR10.490%—Standard
VISA Credit Card (Annual Percentage Rate on Balance Transfers)credit_card_balance_transfer10.490% APR10.490%—Standard
Rewardsother1.500% APR1.500%—Standard

Savings & CD rates

22 offers
Fedfinancial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Savingsshare_savings0.02% APY0.02%—Standard
Holiday/Vacation Club Savingssavings0.02% APY0.02%—Specialty offer
Checkingmoney_market0.05% APY0.05%—Specialty offer
Super Share Savingsshare_savings0.05% APY0.05%—Standard
Individual Retirement Accounts (IRA)ira0.10% APY0.10%—Standard
Checking Accounts (WOW Checking - Balances $100,000 or more)savings1.00% APY1.00%—Standard
Checking Accounts (WOW Checking - Balances $100,000 or less)savings2.00% APY2.00%—Standard
WOW Checking - Balances $100,000 or lesssavings2.02% APY2.00%—Standard
3-Month Certificatecd_3mo3.03% APY3.03%3 moStandard
3-Month IRA Certificateira_cd_3mo3.03% APY3.03%3 moStandard
6-Month Certificatecd_6mo3.18% APY3.18%6 moStandard
6-Month IRA Certificateira_cd_6mo3.18% APY3.18%6 moStandard
12-Month IRA Certificateira_cd_12mo3.24% APY3.24%12 moStandard
12-Month Certificatecd_12mo3.24% APY3.24%12 moStandard
24-Month IRA Certificateira_cd_24mo3.43% APY3.43%24 moStandard
24-Month Certificatecd_24mo3.43% APY3.43%24 moStandard
36-Month Certificatecd_36mo3.49% APY3.49%36 moStandard
36-Month IRA Certificateira_cd_36mo3.49% APY3.49%36 moStandard
48-Month IRA Certificateira_cd_48mo3.53% APY3.53%48 moStandard
48-Month Certificatecd_48mo3.53% APY3.53%48 moStandard
60-Month Certificatecd_60mo3.57% APY3.57%60 moStandard
60-Month IRA Certificateira_cd_60mo3.57% APY3.57%60 moStandard

Other rates

3 offers
Fedfinancial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Less than 90% LTVother2.990% %2.990%—Standard
Minimum Paymentother3.000% %3.000%—Standard
SpendFlexother15.000% %15.000%—Standard

As of August 4, 2026, Fedfinancial Credit Union offers a 30-year fixed mortgage at 5.706% APR. Auto loans available from 4.2% APR for 36 months. HELOC rates from 5.98% APR. Personal loan rates from 7.15% APR. Credit card rates from 10.49% APR. Savings and certificate yields up to 3.57% APY.

Source: RateAPI.dev, verified from Fedfinancial Credit Union's official website

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About Fedfinancial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
3.7K
Assets
$77.7M
Founded
1935
Locations reported
2
NCUA charter
216
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Mid-AtlanticSilver Spring · Silver Spring · MD · 20903Branch in the same ZIPState Employees CU of Maryland, IncSECU Credit Union - Greenbelt Road · Berwyn Heights · MD · 20740-2315About 3.0 miles awayDepartment of CommerceSilver Spring Office · silver spring · MD · 20910About 3.3 miles awayNational Institutes of HealthBranch · Silver Spring · MD · 20910-3232About 3.3 miles awaySkypointSkyPoint FCU Silver Spring Branch · Silver Spring · MD · 20910About 3.3 miles awayEducational SystemsCherry Hill · SIlver Spring · MD · 20904About 3.4 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Fedfinancial Credit Union

Membership eligibility from Fedfinancial Credit Union's own published criteria. How we verify this.

Membership via occupations (Civilian Federal government employees)

  • OccupationCivilian Federal government employees

Verified from Fedfinancial Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Fedfinancial Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Fedfinancial Credit Union ranks against Maryland peers.

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Frequently Asked Questions

What rates does Fedfinancial Credit Union offer?

Fedfinancial Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Fedfinancial Credit Union rates updated?

RateAPI verifies Fedfinancial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Fedfinancial Credit Union's rate data?

Rate data is collected directly from Fedfinancial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Fedfinancial Credit Union's mortgage rate?

As of August 4, 2026, Fedfinancial Credit Union offers a 30-year fixed mortgage at 5.706% APR.

What are Fedfinancial Credit Union's auto loan rates?

As of August 4, 2026, Fedfinancial Credit Union offers auto loans from 4.2% APR.

What is Fedfinancial Credit Union's HELOC rate?

As of August 4, 2026, Fedfinancial Credit Union offers home equity lines of credit from 5.98% APR.

What is Fedfinancial Credit Union's personal loan rate?

As of August 4, 2026, Fedfinancial Credit Union offers personal loans from 7.15% APR.

What is Fedfinancial Credit Union's best CD rate?

As of August 4, 2026, Fedfinancial Credit Union offers savings and certificate (CD) yields up to 3.57% APY.

Related Rate Data

Compare Fedfinancial Credit Union's rates against national credit-union benchmarks.

More Maryland credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Fedfinancial Credit Union
curl "https://api.rateapi.dev/credit-unions/maryland/fedfinancial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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