Welcome to Ferko Maryland Federal Credit Union
MEMBERSHIP ELIGIBILITY: If you are an employee of Frederick County Public Schools or Frederick Community College, you, your spouse, and family members may join FERKO. There is no requirement that family members live in the same household. All that is required is that you maintain a balance of $25.00 in your shares account. You may also have money deducted directly from your pay and placed into your FERKO account. Once you are a member, you will always be a member until you close your account. If you terminate your employment with Frederick County Public Schools or Frederick Community College you are still a member of FERKO until you close your account.
Ferko now offers mortgages through the Mortgage Markets CUSO, LLC. Call 860-454-4252 or click here for more information. You can also click on the Mortgages tab on this website.
NEW AUTO LOAN RATES
We have lowered our rates on all new and used vehicle loans effective 2/15/2026. If you’re in the market for a new or used vehicle, check our rates under the Loan Rates Tab. Call us today at 301-662-7266 to get preapproved for your next auto purchase.
BILL PAY IS HERE!!
FERKO members with checking accounts are be able to pay bills online without the need to write checks. There is no charge for using the Bill Pay service!!
Log into your FERKO HB account and click on the 
Log Into Bill Pay. Follow the enrollment steps and enter your checking account number (9 digit) as the funding account number and start paying bills both electronically and by a check mailed from your BillPay account. FERKO also has a debit card that can access your checking account. If you don’t have a checking account with FERKO, come in today and open an account with a minimum opening deposit of $100.
FERKO OFFICE CLOSINGS
Ferko will be closed Monday, May 25, 2026 for Memorial Day.
Ferko will be closed Friday, June 19th, 2026 for Juneteenth.
Ferko will be closed Friday, July 3, 2026 for Independence Day.
