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 NOW AVAILABLE
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.
IMPORTANT MESSAGE ABOUT DORMANT ACCOUNTS
Please make sure you review your statements to confirm that you have an active account. Ferko considers any account that has no deposit or withdrawal activity for 30 months as being dormant. Dividends being paid on the account is not considered a deposit. To ensure your account stays active, we ask that you make a deposit or a withdrawal for any amount, before the 30- month deadline. If your account is dormant or inactive for 30 months, you will incur a $5.00 a monthly fee. Accounts that are dormant for 36 months or over must be escheated to the Comptroller State of Maryland under Title 17-301. If you have any questions of whether your account is active or not, please call us at 301-662-7266.
FERKO OFFICE CLOSINGS
Ferko will be closed Monday, January 19, 2026 for a Martin Luther King, Jr Day.
Ferko will be closed Monday, February 16, 2026 for a President’s Day.
Ferko will be closed Friday, April 3, 2026 for Good Friday.
