 State Employees Credit Union of Maryland »
Baltimore. Serving Maryland state employees, students and alumni of the University of Maryland system, and select community colleges and employee groups.
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 Chessie Federal Credit Union »
Cumberland. Serving members who live, work, worship, attend school in, and businesses and other legal entities located in Allegany, Garrett and Washington County, MD, and Mineral and Taylor County, WV.
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 First Peoples Community Credit Union »
Cumberland. Membership is open to persons who reside or work in Allegany and Garrett counties in Maryland, Mineral County West Virginia and Somerset County in Pennsylvania.
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 Money One Federal Credit Union »
Largo. Membership is open to select employer groups.
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 IR Federal Credit Union »
Riverdale. Serving employees of the Internal Revenue Service, the Bureau of Alcohol, Tobacco and Firearms, and other federal employees, along with select employee groups.
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 Municipal Employees Credit Union of Baltimore »
Baltimore. Serving employees of Baltimore City and select employee groups.
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 Marriott Employees Federal Credit Union »
Bethesda. Membership is open to employees of Marriott.
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 Naval Research Lab Federal Credit Union »
Oxon Hill. Membership is open to employees of the Naval Research Lab.
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 Saint Agnes Employees Federal Credit Union »
Baltimore. Serving employees of Saint Agnes Health Care.
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 WEPCO Federal Credit Union »
Bloomington. Membership is open to employees of the Westvaco Corporation.
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 Lafayette Federal Credit Union »
Kensington. Membership is open to select businesses, residents of Potomac and a select area of the District of Columbia.
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 Aberdeen Proving Ground Federal Credit Union »
Aberdeen. Membership open to select employer groups.
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 Tower Federal Credit Union »
Serving select employee groups including the City of Laurel, Howard County government, the FCC, the NSA, General Dynamics, Netcom, OfficeMax. Headquarters in Laurel, with several other area locations.
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 Mid-Atlantic Federal Credit Union »
Gaithersburg. Membership is open to residents of Upper Montgomery County.
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 First Eagle Federal Credit Union »
Baltimore. Serves the financial needs of the insurance industry employees in Baltimore.
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 Atlantic Financial Federal Credit Union »
Hunt Valley. Membership is open to select employer groups.
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 APL Federal Credit Union »
Howard County. Serving residents of Howard County and their families.
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 First Financial Federal Credit Union of Maryland »
Lutherville. Serving educators, government employees, hospitals and select businesses in Baltimore City, Baltimore County and Carroll County, Maryland.
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 Lockheed Martin Federal Credit Union »
Baltimore. Membership is open to employees of Lockheed Martin.
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 U.S. Postal Service Federal Credit Union »
Clinton. Membership is open to all employees of the United States Postal Service who do not have a local credit union service available through another government employee-type credit union.
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 NIH Federal Credit Union »
Rockville. Serving employees of the National Institutes of Health.
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 Energy Federal Credit Union »
Rockville. Serves select employee groups and organizations.
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 Central Credit Union of Maryland »
Baltimore. Serving over 200 select employee groups in Maryland.
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 Cecil County School Employees Federal Credit Union »
Elkton. Membership is open to employees of Cecil County schools.
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 Bulldog Federal Credit Union »
Hagerstown. Serving members who live, work, worship, or attend school in Washington County, Maryland.
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 Point Breeze Credit Union »
Hunt Valley. Serving select businesses in Maryland.
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 Taylor Model Basin Federal Credit Union »
Cabin John. Membership is open to people employed with the Naval Surface Warfare Center, Carderock Division.
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 Spectrum Federal Credit Union »
Frederick. Membership is open to select communities in Maryland and California, along with employees of select businesses.
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 Montgomery County Teachers Federal Credit Union »
Gaithersburg. Membership is open to Montgomery County teachers.
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 Cedar Point Federal Credit Union »
Patuxent River. Membership is open to residents and select employer groups.
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 Har-Co Maryland Federal Credit Union »
Bel Air. Membership is open to employees and retirees of select organizations in Harford County, Maryland.
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 NASA Federal Credit Union »
Membership is open to NASA employees and their immediate family and household members, as well as employees of many select employee groups and members of approved associations.
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 Andrews Federal Credit Union »
Suitland. Serving military personnel assigned to Andrews or McGuire Air Force Bases and other select employee groups.
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 Anne Arundel County Employees Federal Credit Union »
Millersville. Membership is open to Anne Arundel County employees.
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 Johns Hopkins Federal Credit Union »
Baltimore. Serving employees of Johns Hopkins University and hospital, and related organizations.
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Refinancing a mortgage means the owners are paying off their existing mortgage and replacing that mortgage with a new loan. Generally, the costs associated with mortgage refinancing are rolled into the loan, meaning they are added to the existing balance, increasing the loan amount.
When refinancing a mortgage, as many as 30% of homeowner's cash out part or all of their home's equity. By investing in home improvements or paying off credit cards, this can be a smart. But, if you are borrowing more than 80% of your home's value, you will be hit with private mortgage insurance, costing you hundreds a year.