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Central Credit Union of Maryland,In
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Overview Share
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Central Credit Union of Maryland,In is a federally insured state credit union based in Baltimore, Maryland. It has been opened since 1950, for 72 years.

With around $39,620,000 in assets, Central Credit Union of Maryland,In is considered to be an average size credit union.

About Share
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Address 8501 Lasalle Road
Baltimore, Maryland 21286
Website http://www.ccumd.org
Phone (410) 828-4500
Fax (410) 337-4905
CEO Lisa Jester
President of the Board Gary Martin
Services Offered
Score Card Share
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72 years
Years in business
Opened in 1950
Well Capitalized
Net worth classification
Source: NCUA
6,204 members
Membership type: State chartered natural person credit union
Above average number of members
591:1
Credit union member to staff ratio
591 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$39,619,903
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 3 in Maryland
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
12.52%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Maryland
Above average number of branches
Central Credit Union of Maryland,In Branch Locations
Members Share
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6,204 members
Membership type: State chartered natural person credit union
Above average number of members

With 6,204 members, the Central Credit Union of Maryland,In is considered to be a large credit union. It is larger than 61% of credit unions.

Fees Share
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$79
Average fee per member
The average fee per member at the Central Credit Union of Maryland,In is $79, which is high compared to most credit unions. This rate is higher than 73% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Central Credit Union of Maryland,In. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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591:1
Credit union member to staff ratio
591 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
10 staff members
FTE (full-time equivalent)
9% of employees are part-time
10 full-time, 1 part-time

Central Credit Union of Maryland,In has 10 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 91% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Central Credit Union of Maryland,In has around 591 members per staff, a high ratio compared to other credit unions.

Assets Share
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$39,619,903
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,867
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 71% of credit unions.

Central Credit Union of Maryland,In holds a total of $15,910,000 in loans and leases, which is about $7,867 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Central Credit Union of Maryland,In pays 0.10%.

Loan rates Share
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12.52%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
16.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
12.40%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.25%
New car loan rate
Compared to 4.0% nationally
4.01%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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7.62%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.94%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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