Selected Loan Rates

 APR as
low as

 New Auto, 3 - 5 year  1.99% APR
 Used Auto, 3 - 5 year  2.24% APR
 Home Equity Line  1.99% APR
 Fixed Home Equity, 5 year  3.84% APR
 Fixed Home Equity, 7 year  4.34% APR
 Signature  8.89% APR
 Boat & RV  4.49% APR
APR=Annual Percentage Rate  
 View All Rates





Member Cellular Discounts with Sprint

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Refer a Coworker-Get $10!

Signup for eStatements for a Chance to Win $100.00!

Open a Child's Account - Get a Cool Piggy Bank!

Get $50 When You Open a Checking Account!

Open a new Home Equity Line! Take Advantage Before Rates Go Up!!

Enterprise: Where Great Vehicles Meet Great Prices


Refer a Coworker-Get $10!

Get a $10 Bonus* if you get a co-worker at Lockhead Martin, MRAS, or the MD Air Guard to sign-up for Credit Union Membership. The co-worker must enroll for a minimum weekly payroll deduction of $25.

They will also receive a $10 new member bonus

Other restrictions apply. New memberships may be set up by telephone or visiting the Credit Union office.

*Excludes minor's accounts, existing members, business accounts and existing joint owners. New accounts must have weekly payroll deduction of at least $25. $10 will be deducted from account if closed within 90 days of opening. Promotion ends June 30, 2015.


Signup for eStatements for a Chance to Win $100.00!


Forget about the delay in getting your statement in the mail!
To enroll, first sign up for online banking at
Then visit the self-service tab to enroll for eStatements.
Go green and signup for eStatements!

Signup for eStatements by May 26th and you'll be enrolled in a drawing for a $100.00 cash bonus. New and existing members who have not already signed up for Estatements by April 28th are eligible. Member account must be in good standing during the month of April entered in the drawing. 

Open a Child's Account - Get a Cool Piggy Bank!


Have you started a savings plan for your children? Don't wait - open a Credit Union membership for your children or grandchildren. If you open a new child's account we will provide a child's themed piggy bank (restrictions apply). You may open a child's account by telephone. Account deposits may be made by direct deposit, payroll deduction, automatic transfer, online banking transfers and in-person. Click here for additional information.

Get $50 When You Open a Checking Account!


New Year’s Resolution - Move My Checking Account!
Tired Of Paying Fees To Your Bank?
Switch Your Checking To LM Federal!
Get a $50 Cash Reward* by Opening a New Checking Account

We offer several no-fee checking accounts, including “free checking” that offers no monthly fee and no minimum balance requirement. LMFCU free checking includes the following: 


  • No minimum balance or monthly service fee
  • No limit on check writing & your 1st order of checks are FREE
  • Surcharge-free ATM withdrawals at over 30,000 Co-op network ATMs
  • Up to 12 free foreign ATM withdrawals per month
  • Free use of Online Banking and Internet Bill Pay
  • Mobile banking and eStatements are also available


For more information, visit or call the office, or go to
You may open a new checking account in-person or by telephone.

* Direct Deposit is defined as an ACH deposit from the member’s employer of at least $100 per week (or equivalent). Incentive will be deposited once the first direct deposit is posted and confirmed. Checking and Visa Check Cards are subject to approval. Cash bonus will be subtracted from the account if it is closed within 90 days of opening. Promotion Expires 05/29/2015.


I Need To:
  • Reduce My Home Equity Loan Rate or Payment
  • Perform Home Improvements or Upgrades
  • Consolidate Bills or Lower My Payments

Open a new Home Equity Line! Take advantage before rates go up!!

Home Equity Lines:                                                     
Introductory rate of 1.99% APR*,                                 
no closing costs**, low minumum                              
monthly payments of only $5.80 per                          
$1,000 borrowed.                                                      

A line of credit is perfect for those who need          
continued access to funds for any purpose              
over an extended period of time. Ongoing                 
rates are as low as Prime minus 3/4%.                       
There are no application fees or closing
costs (subject to restrictions*). The ongoing
minimum rate is only 3.5% APR

Fixed Rate Home Equity Loans:
Rates as low as

3.84% APR (5-Years)
4.34% APR (7-Years)
5.39% APR (10-years)
No closing costs**

There are no points or application fees.
Fixed Rate Home Equity loans are ideal for bill
consolidations,refinances, and home improvements.
The rate and payment never change. 

To qualify for the 1.99% introductory rate your home equity line of credit application must be received by 6/30/2015 and your line must be settled by 7/15/2015. 


Apply for a loan in as little as 15 minutes:

Online by visiting

By phone: weekdays 9 am - 6 pm EST(Fridays until 7 pm)

In person with an experienced loan specialist, the process is simple!

Applications are reviewed within one day. Your home appraisal is then ordered (if required); results are received in less than a week. Settlements are held at the Credit Union office,by meeting our mobile settlement officer, or at the office of a title company in your area.

APR = Annual Percentage Rate.

*Available for the first 4 months. **Certain restrictions apply. Loan application must be received by 12/31/2014. Loan must be the 1st or 2nd lien on the property and must be secured by your primary residence in MD, DC, PA, DE or VA. Rates are subject to change without notice. Minimum line of $20,000 required to qualify for the closing cost waiver.



Maryland Locations: Timonium (866) 832-0969, Glen Burnie (888) 287-6516, Lanham (888) 227-9289, Rockville (888) 227-9313

 Click here to visit the Enterprise Car Sales website.

Used vehicles previously part of Enterprise short-term rental and lease fleet or purchase by Enterprise from other sources, including auto auctions, with previous use possibly short-term rental, lease or other.
* Restrictions apply, for details see an Enterprise Car Sales Manager. 


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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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