Based in Germantown, Md., Mid-Atlantic Federal Credit Union (MAFCU) is a not-for-profit institution managed for the sole bene ... fit of its members, and offers many financial services at better rates and fees. Profits are returned to MAFCU members in the form of higher savings rates, lower loan rates, and lower fees. Membership is open to anyone who lives, works, worships, or attends school in Montgomery Country, Maryland. read more