Q2 2026 call reports

Best credit unions in Maryland

Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving Maryland is NASA Federal Credit Union with 67.3 out of 100, followed by Tower Federal Credit Union (67.1) and Apl Federal Credit Union (66.5). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.

No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.

Best for saversLafayette Federal Credit Union 100th percentile
Lowest loan ratesFirst Peoples Community Federal Credit Union 90th percentile
Lowest feesApl Federal Credit Union 95th percentile
Strongest balance sheetPoint Breeze Credit Union 87th percentile

Top 25 credit unions in Maryland most people can look at

Credit unions headquartered in Maryland or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.

#	Credit union	Score	Pays savers	Loan rates	Low fees	Strength	Members joining	Assets
1	NASA Federal Credit UnionUpper Marlboro, MD · open to anyone	67.3	98	49	87	55	21	$5.8B
2	Tower Federal Credit UnionLaurel, MD	67.1	49	78	79	85	26	$5.0B
3	Apl Federal Credit UnionLaurel, MD	66.5	36	76	95	69	58	$723.6M
4	Tidemark Federal Credit UnionSeaford, DE · 1 office here	65.7	79	39	66	80	70	$468.5M
5	First Financial of Maryland Federal Credit UnionSparks, MD	64.5	29	62	83	81	90	$1.4B
6	Andrews Federal Credit UnionSuitland, MD · open to anyone	63.8	77	69	61	28	94	$2.7B
7	FourLeaf Federal Credit UnionBethpage, NY · 1 office here · open to anyone	61.5	85	46	95	9	80	$14.4B
8	Wepco Federal Credit UnionBloomington, MD	60.7	47	55	79	59	75	$399.3M
9	Patriot Federal Credit UnionChambersburg, PA · 3 offices here	59.2	78	32	53	77	58	$1.3B
10	Point Breeze Credit UnionHunt Valley, MD	59.2	14	57	74	87	93	$1.1B
11	Pentagon Federal Credit UnionMcLean, VA · 1 office here · open to anyone	57.6	76	51	85	36	17	$29.2B
12	Ardent Federal Credit UnionPhila, PA · 1 office here · open to anyone	57.3	75	60	51	51	32	$869.3M
13	Hanscom Federal Credit UnionHanscom Afb, MA · 7 offices here	56.1	70	46	77	56	6	$2.2B
14	First Peoples Community Federal Credit UnionCumberland, MD	55.7	45	90	8	76	51	$666.1M
15	Navy Federal Credit UnionVienna, VA · 25 offices here	55.4	56	33	88	37	81	$204.4B
16	Aberdeen Proving Ground Federal Credit UnionAberdeen, MD	54.8	53	52	56	42	90	$2.7B
17	Northwest Federal Credit UnionHerndon, VA · 1 office here	54.5	42	34	94	74	18	$4.6B
18	Northrop Grumman Federal Credit UnionGardena, CA · 3 offices here	53.6	62	59	73	11	66	$1.6B
19	Fedchoice Federal Credit UnionLanham, MD	51.7	32	68	59	35	80	$468.7M
20	Mid-Atlantic Federal Credit UnionGermantown, MD	51.6	56	52	66	45	24	$443.4M
21	Agriculture Federal Credit UnionMerrifield, VA · 1 office here	51.6	21	61	91	60	8	$350.7M
22	State Employees CU of Maryland, Inc Credit UnionLinthicum, MD	49.3	49	41	64	40	62	$5.8B
23	Fedfinancial Federal Credit UnionSilver Spring, MD	48.8	46	71	65	27	12	$76.8M
24	Dexsta Federal Credit UnionWilmington, DE · 1 office here	48.3	67	49	73	20	7	$432.3M
25	Act 1st Federal Credit UnionLavale, MD	48.3	59	44	71	9	67	$149.7M

Top scores among Maryland credit unions for specific groups

These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.

#	Credit union	Score	Pays savers	Loan rates	Low fees	Strength	Members joining	Assets
1	Self Reliance Financial Federal Credit UnionNew York, NY · 1 office here	83.5	99	55	100	76	100	$2.0B
2	Washington County Teachers Federal Credit UnionHagerstown, MD	79.7	80	89	71	80	73	$96.5M
3	LM Federal Credit UnionBaltimore, MD	70.1	51	74	81	67	93	$60.3M
4	Library of Congress Federal Credit UnionWashington, DC · 1 office here	61.5	83	76	17	76	31	$338.2M
5	First Eagle Federal Credit UnionOwings Mills, MD	56.1	43	46	92	53	49	$109.5M
6	Dept of Labor Federal Credit UnionWashington, DC · 2 offices here	53.1	62	38	73	29	78	$137.6M
7	Police Federal Credit UnionUpper Marlboro, MD	52.1	65	75	7	49	60	$175.9M
8	U S Postal Service Federal Credit UnionClinton, MD	52.0	49	51	70	42	46	$280.3M
9	Spectra Federal Credit UnionAlexandria, VA · 1 office here	48.6	8	69	93	8	92	$544.4M
10	Destinations Credit UnionBaltimore, MD	47.6	48	79	13	61	11	$65.4M

Not eligible locally? Best credit unions anyone can join

These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one

#	Credit union	Score	Pays savers	Loan rates	Low fees	Strength	Members joining	Assets
1	Chevron Federal Credit UnionConcord, CA · open to anyone	78.3	98	65	92	78	37	$5.4B
2	Alliant Credit UnionChicago, IL · open to anyone	71.0	99	57	100	28	65	$20.0B
3	First Technology Federal Credit UnionSan Jose, CA · open to anyone	68.5	95	37	99	29	99	$27.9B
4	NASA Federal Credit UnionUpper Marlboro, MD · open to anyone	67.3	98	49	87	55	21	$5.8B
5	Lake Michigan Credit UnionGrand Rapids, MI · open to anyone	66.8	96	29	64	72	84	$17.3B

How the score works

Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
Low fees, 20%: fee income per member, lower being better.
Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
Members joining, 10%: member growth over 12 months.

Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions

Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 56 credit unions scored for Maryland. · All Maryland credit unions · Maryland loan rates · By city

Questions people ask

What is the best credit union in Maryland?

On our score, built only from NCUA call-report data for Q2 2026, NASA Federal Credit Union ranks first among credit unions with a broad field of membership that serve Maryland, at 67.3 out of 100, followed by Tower Federal Credit Union (67.1) and Apl Federal Credit Union (66.5). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.

Can I join these credit unions?

Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.

Is money at these credit unions insured?

Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.

Does anyone pay to be on this list?

No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.