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.

Mortgages are now available through the Credit Union Mortgage Association. Call our Ferko First Mortgage Hotline at 571-328-5103 or click here  for more information. You can also click on the Mortgages tab on this website.


Due to concerns over the corona virus and the safety and health of our members and staff, the management of the FERKO Maryland Federal Credit Union instituted the following operational change, effective March 18, 2020 and continuing until further notice.

All FERKO transactions will be conducted through the drive-thru window on the left side of the building. Only FERKO staff members will be permitted inside the office with no exceptions.

We apologize for any inconvenience that may result from switching to this arrangement. We will reevaluate these safety procedures when school starts up in the fall of 2021. We hope to have everything back to normal by then. Thank you for your patience, we are greatly appreciative.


FERKO will be closed on Monday, January 17, 2022 for Martin Luther King Jr Day. We will reopen on Tuesday, January 18, 2022 at 10:00am. Ferko will also be closed on Monday, February 21, 2022 for President’s Day. We will reopen on Tuesday, February 22, 2022 at 10:00am.