Kel-co Federal Credit Union

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A short history of Kel-co FCU

Since its inception in 1955 the Kel-co Federal Credit Union has been serving its members in the Cumberland, Maryland area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Kevin Logan, the Kel-co FCU has grown its membership to over 4,707 with assets of more than $50,463,143. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (301) 777-8100 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Cumberland, MD.

General Information For Kel-co FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9965
Address 321 Greene Street 
City Cumberland 
State Maryland 
Zip-Code 21502
Phone Number (301) 777-8100
Fax Number (301) 777-2879
Email Address:
CEO/President Kevin Logan
Members 4,707 
Full-Time Employees 14 
Part-Time Employees
Number of Branch Offices
Total Assets 50,463,143 

Compare Kel-co Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Healthcare 1st CU HEALTHCARE 1 FCU 1050 W Industrial Blvd Ste 16 21502 (301) 723-4098 No 0.88
Potomac CU Main 215 Paca St 21501 (301) 722-5522 No 1.38
Al Gar CU Al-Gar FCU Main Office 316 Paca St 21502 (301) 722-5446 No 1.39
First Peoples Community CU Grantsville 12497 NATIONAL PIKE 21501 (301) 784-3000 No 1.58
Chessie CU Drive Thru 122 W Union St 21501 (301) 724-2777 No 3.82

Kel-co Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Kel-co Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.90 2.99 3.99 3.75 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 332 145 202 102 N/A
Rank Among All Maryland Credit Unions 26 20 31 12 N/A

Kel-co Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 N/A 0.45 1.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 N/A 274 125
Rank Among All Maryland Credit Unions N/A 13 N/A 37 9
Kel-co Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.900447482,487
All Other Unsecured Loans/Lines of Credit 8.0004911,429,612
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.990721,486,696
Used Vehicle Loans 3.9904054,241,072
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.75024814,015,523
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.00098952,936
TOTAL LOANS & LEASES 1,76122,608,326

Kel-co Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 765,568,4173254,331
    b. 15 Years or less 1606,784,4328678,800
    a. > 15 years 121,662,67400
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 24814,015,52311933,131


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Kel-co Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes