A Message from CARFCU President Tony Launi on PPP
Capital Area Realtors FCU Routing & Transit #255077639

Privacy Policy

Last Updated March 1, 2021

We Want You To Know

Capital Are Realtors Federal Credit Union (CARFCU) respects the privacy of its members. Protecting the privacy of your personal information, along with your financial assets, is at the core of our business. It is our priority to protect your information in every way in which we interact with you, whether it be in a branch, over the telephone, by mail, or online through the Internet. We exercise great care in safeguarding your information in our business dealings with our affiliates and other companies. We value your trust and recognize that the confidentiality of your personal information is one of our most important responsibilities.

How We Protect Your Information

Our employees are trained on the necessity of maintaining the confidentiality of your information. We limit access to personal information about you to those employees who need to know that information to provide products and services to you, maintain your accounts, and conduct business.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard against unauthorized access to your personal information. These measures apply to internal access, as well as to information shared with our affiliates and other companies with whom we do business.

What You Can Do to Help Protect Your Privacy

CARFCU is committed to protecting your personal financial information. You can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs, and passwords. Never keep your PIN with your debit or credit card. It can provide free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account number, Social Security number, etc., to other persons. If someone calls you, explains the call is on behalf of CARFCU, and asks for your account number, you should beware. Officials and staff of CARFCU will already have access to your information and will not need to ask for it.


Mailing Address:

Capital Area Realtors FCU
P.O. Box 1573
Rockville, MD, 20849-1573

Branch Location
105A W. Edmonston Dr.
Rockville, MD  20852

Phone: 240-314-0734
Fax: 877-471-0402
Email: info@carfcu.org

A Message from CARFCU President Tony Launi on PPP

To All Our Member Applicants & Realtor Prospects –

It is my solemn privilege to write to all of you this evening. Serving as President of Capital Area Realtors Federal Credit Union (CARFCU) for over 30 years, I can honestly say the past year has been unlike anything I’ve ever experienced. 

Since launching an expanded PPP Program, our staff has received multiple inquires about our legitimacy, our services and of course, the status of PPP applications.

I would like to take a moment to address some of these questions and concerns.

CARFCU – I never heard of you?

We recognize, especially for our PPP applicants outside Greater Washington DC area, why a few have called requesting CARFCU history. We have spent the majority of our tenure servicing those local to DC/MD/VA. It is against the backdrop of a global pandemic, robust financial strength and newfound resources that we felt an obligation to expand our reach outside our immediate footprint to help those who have been impacted adversely by this pandemic.

Our Federal Charter has existed for over 50 years and regulated by the National Credit Union Association (NCUA), but I encourage everyone to review our charter & associated financials: Charter #20543. Our registered NMLS #:811806. We also earned and maintain an NCUA Low Income Designation showing our significant efforts to reinvest in low-to-moderate income areas here in the Capital Area.

What’s with the Delay on my PPP Funds? 

I’ll address this question in two parts. Certainly the more obvious of the two is that with an extension of the SBA Deadline, financial institutions and lenders at large have seen an influx of applications that have created a bottleneck. 

Secondly in a digital world, cybersecurity is of paramount importance and the protection of our members is second to none. We have spent time and invested significant resources into the protection of your data to insulate us from phishing, malware, and other forms of cyber attacks. Cyber attacks continue to grow and associated scams have only increased with PPP funding.

Not only are we conservative and asking for excess documentation to fund your loans the first time, but, we are doing our channel checks to protect our members and Credit Union from fraudulent applicants. This is truly time-consuming but in the best interest of our members.

As a Realtor, should I consider CARFCU for the Long Term?

With no hesitation, I continue to believe that we understand Realtors, bar none. Our Board brings over 100+ years of Real Estate, Mortgage Lending. Legal and Commercial Banking experience.

Further we truly continue to innovate in the interest of Realtors and their end users as we expand partnerships with Fintechs, Banking Partners and other investors who share our Ethos.

We are able to operate a bespoke model to truly cater to our members and deliver. From savings accounts to auto loans to mortgages rates, we remain fiercely competitive.

We have always believed that Realtors are the “eyes and ears” into the needs of their local communities and have the ability to make the most difference as it relates to homebuying, and financial literacy. 

Concluding Thoughts

Our Board of Directors, our Staff and the PPP Team continue to be ever vigilant in our efforts to best serve you.

It is both a pleasure and an honor to assist Realtors during this pandemic. This too shall pass, and we will re-emerge stronger than before. 

We’d be honored to have you join us and continue to grow with us as we endeavor to help those who need it most.


Anthony Launi, President