Selected Loan Rates

 APR as low as

 New Auto, 3 - 4 year  1.99% APR
 New Auto, 5 year 2.24% APR
 Used Auto, 3 - 4 year   2.24% APR
 Used Auto, 5 year 2.49% APR
 Home Equity Line  2.49% APR
 Fixed Home Equity, 5 year  3.84% APR
 Fixed Home Equity, 7 year  4.34% APR
 Signature  8.89% APR
  Boat & RV  4.24% APR
APR=Annual Percentage Rate  View All Rates





Member Cellular Discounts with Sprint

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Theme Park, Aquarium and Zoo Price Sheet

Discounted Movie Pass Price Sheet 


What Is A Credit Union? Why Is It Different?

A credit union is a not-for-profit financial institution owned and operated by its members rather than by outside stockholders. A credit union typically offers better rates on savings and loan products than other, profit-driven financial institutions. Similarly, credit unions usually charge lower account fees or none at all.

LM Federal is a federally insured financial institution serving employees and retirees of select Lockheed Martin groups, Middle River Aircraft Systems, and those working at the Warfield Air National Guard base. LM Federal provides its members with many unique financial products as well as superior member service.

Who Can Join LM Federal?

You can join the Credit Union if you belong to one of these groups:

  • Employees of various Lockheed Martin groups in the Eastern United States
  • Employees of Middle River Aircraft Systems in Baltimore
  • Employees, active duty and reserves of Warfield Air National Guard Air Base 
  • Retirees of the groups listed above
  • Family members of existing LM Federal members

How Do I Become A Member Of LM Federal?

To become a member of the Credit Union, simply open a LM Federal Share (Savings) Account. New memberships may be opened by telephone, in person or through the mail. The initial deposit to open your account may be made by check (mailed or by phone), cash or through payroll deductions. Once the Share Account is open with a balance of $25, your membership is active and you are immediately eligible to use any Credit Union service. If you close your membership, the $25 deposit is returned to you. Give us a call at (800) 410-0501 or contact us via e-mail if you'd like to have a membership packet sent to your home.

Apply For Membership Here!


                      Stamps, Notary, Theme Park Tickets, and MORE!



  • PAYROLL & GOVERNMENT CHECK CASHING - (even if you aren't a member)

  • MONEY ORDERS - Fee as low as $.75 *
  • SKIP-A-LOAN PAYMENT - Take a month off and get the extra cash you need.  Eligible loans include auto, truck, boat, RV, motorcycle and personal loans.

  • COIN MACHINE - Turn that change into cash! Fee as low as 4% or Free *

  • MOVIE PASSES Tickets as low as $10.54 for AMC & $9.00 for Regal Theaters - They never expire!

  • DISCOUNT TICKETS TO THE NATIONAL AQUARIUM - Save up to $7 at the Inner Harbor location.

  • DISCOUNT PARK TICKETS - Save up to $30.00 per ticket for the Maryland Zoo, Six Flags, King's Dominion, Hershey Park, and Dutch Wonderland (seasonal)

  • POSTAGE STAMPS - Sold by the booklet

  • CASHIER'S CHECKS - Guaranteed payment accepted by any recipient

  • CARFAX REPORTS - Discounted report, fee refunded if you take a auto loan

  • NOTARY PUBLIC - Standard fee is $2 or may be free*

  • SHOPPING DISCOUNTS - Enjoy discounted online services at TurboTax, ADT, GM (GMC, Chevy, Buick) and over 1,500 online shopping retailers!!

  • WIRE TRANSFERS - Transfer money safe and fast to a 3rd party or to your account at another institution.

  • VISA® GIFT CARDS - Non-reloadable gift cards. Fee as low as $3.49* per card for any card amount

  • ENTERPRISE CAR RENTAL DISCOUNT - Discount of up to 10% off of the regular rental rates.

    * Fee varies depending on your Membership Rewards level

Service History of LM Federal Credit Union

1949 Credit Union is organized by the employees of the Glen L. Martin Aircraft Company in Baltimore.

1970 The Martin company offers payroll deductions.

1971 Federal deposit insurance coverage is extended to credit unions.

1983 All records are computerized; holiday and vacation club accounts are offered.

1987-1988 Major computer upgrade is completed. Signature line of credit loans, cash withdrawals & check cashing, and certificate accounts are offered.

1990 Checking accounts and home equity loans are offered; office hours extended to five days per week.

1992 Cashiers Checks are offered; family membership eligibility extended; offices relocated to a new building at the Middle River facility.

1993 Individual Retirement Accounts are offered.

1995 Regular and IRA money market accounts are available; toll-free 800 number established; name changed to LM Federal Credit Union.

1996 Major computer system upgrade is completed; ATM access with LM Federal checking and MoneyMover funds transfer service become available.

1997 Credit Based Rates lending program is implemented.

1998 Roth and Educational IRAs are offered.

1999 The Credit Union's website is activated.

2000 Autodraft and Touch Tone Teller are introduced.

2001 Membership Rewards Program, VISA® Check Cards, Internet Branch (online banking) and Internet Bill Pay are introduced.

2002 Free Checking and Entertainment Book sales are introduced.

2004 Credit Union relocates to "T" building at the Middle River Facility. ATM, Night Depository Box and Drive Thru teller service are available at the new office.

2005 Vehicle Extended Warranties are offered.
AutoCenter, the online vehicle help center, is activated.

2006 Over 5,000 ATM's located at 7-11 stores are added to the Co-op network
Credit Union's list of no-surcharge ATM's. Money Market Plus accounts and discounted Carfax report services are also introduced.

2007 Activated a new deposit and loan processing system which streamlines and shortens the time it takes to apply for and receive new loans and new deposit accounts.

2008 * A coin machine is installed in the lobby allowing members to bring in loose coin for deposit or to cash-in.
* Federal deposit insurance is raised to $250,000.00 for regular and retirement accounts by NCUA, the National Credit Union Administration.
* The Interlend web based loan application system is activated, streamlining the application process and providing for quick loan approvals.

2009 Discounted movie passes for AMC and Regal theaters are available. Discounted tickets to the Baltimore Zoo are also available.
* The Members Insurance Program is introduced, providing a suite of comprehensive and competitively priced insurance programs including Term Life, Whole Life, Universal Life, Variable Universal Life, Accidental Death & Dismemberment, Automobile and Homeowners Insurance.
* Internet Bill Payment service is upgrading, providing more convenience and options for faster payment processing.

2010 The AutoSMART Center at was introduced: a full service online tool for auto researching and purchasing needs.

2011 Outgoing domestic and international wire transfer service was introduced.

2012 VISA Gift Cards are introduced. Major computer server, firewall, telephone, e-mail and internet upgrades are completed.

2013 New real-time Online Banking system that includes eStatements and Mobile Banking.
* Credit Union reaches $30 million in total assets.

2014 Added the GAP Plus auto protection program and Joint Credit Disability insurance.

2015 Added Wealth Management service.

2017 Added CardNav, VISA Purchase Alerts and EMV cards. Credit Union reaches $35 million in assets.


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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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