Products & Services

Savings & Checking  |  Dividends  |  Loans  |  Miscellaneous Services

FMCCU offers a wide range of products and services designed to help you with your financial needs. Some are no-fee services, however, the services which require a fee have been carefully reviewed to ensure the fee correctly relates to the cost of services, along with the related fees, are reviewed frequently and changes are made as required.

Savings and Checking

  • Savings
  • Christmas Club
  • Certificates
  • ATM Cards
  • Checking Accounts
  • IRA Accounts
  • Money Orders
  • Payroll Deduction
  • Direct Deposit


Earnings on accounts are paid quarterly on regular shares, monthly on checking and at maturity on certificates. For current rates check our Savings Rates page or contact either office.

Mortgage Loans

Thanks to a partnership with the Credit Union Mortgage Association, we offer the following types of mortgage loans to all Ft. Meade CCU members:

  • Fixed rate mortgages
  • Adjustable rate mortgages (including an interest-only option)
  • Jumbo loans
  • Reverse mortgages
  • Refinancing

For more information, please visit the Credit Union Mortgage Association website.

Other Loans

  • Personal, unsecured
  • Open-end, unsecured (XLC)
  • Secured (Shares and S.C.)
  • Cars (new & used)
  • Recreational Vehicles (new & used)
  • Real Estate Loans
  • Overdraft Protection
  • Loan Service by mail (limited)
  • Credit Life and Credit disability (minimal cost – optional)
  • Payroll Deduction
  • Direct Deposit
  • PC Access (24/7)
  • Audio Response (24/7)

Miscellaneous Services

  • Notary services
  • Financial counseling
  • U.B.S. Buying Guide — new cars
  • MVCP Car Buying Guide
  • NADA Book — used cars
  • Money orders
  • Phone/ Mail withdrawals
  • 1st Class Express Mail
  • Limited check cashing if funds on deposit to cover amount; $500 maximum (see check cashing policy)
  • Copier service
  • Facsimile (Fax) service
  • Quarterly share statements
  • Monthly share drafts statements
  • ATM — Debit cards
  • Reconciliation of Share Draft Account
  • Western Union (quick cash)
  • Bank to Bank Wire Service
  • Bulletin Board — for members

Notice Under Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of sex or marital status.

Safeguards: Fort Meade Community Credit Union is examined regularly by the Maryland office of the Commissioner of Financial Regulations. We carry a full discovery bond with the Credit Union National Association which protects us against robbery, dishonesty and other hazards. We have strong reserves which are required by law.


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