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Come visit one of our branch locations this Friday, March 23rd from 9am to 1pm to celebrate Member Appreciation Day!

Due to scheduled maintenance online and mobile services will be unavailable this Sunday, March 25th from 12:00AM to 4:00AM.



There is no better time to plan for your future than right now. We have teamed up with Shober & Zelcer to provide you access to full-service investment advice. So whether you are a seasoned investor or just getting started we can help you!

David Shober has worked with thousands of clients from all parts of the country over the years to help bring structure and balance to their financial lives.

Using the most sophisticated financial planning tools currently available David assists his clients with the following:

  • Investment management
  • Cash flow analysis
  • Retirement planning
  • Estate planning
  • Insurance assessments and planning
  • College planning

"I believe in developing and maintaining a solid relationship based on trust and integrity to help my client achieve what's truly important in their lives."

As a lifelong resident of Maryland, David has lived for the last 20 years in Germantown and graduated high school from nearby Seneca Valley and has a business degree from Montgomery College. In his spare time he enjoys spending time with his wife and 2 sons. He is also an avid S.C.U.B.A. diver and along with his brother has visited some of the most spectacular dive sites in the world.

David Shober is an Investment Advisor Representative with Woodbury Financial Services, Inc. and has been an SEC registered Investment Advisor since 2001. He currently holds Series 66 and Series 7 licenses as well as life, health and long-term care insurance licenses. "

Stephen Zelcer brings a decade of financial planning experience to MAFCU, as well as a unique expertise in Federal Benefits.

Stephen is also an accomplished lecturer, having personally delivered over 250 pre-retirement seminars, teaching thousands about all aspects of financial literacy and retirement. And, because of Stephen's specialty with Federal Benefits, he has been invited by dozens of agencies to teach and explain the interrelationship between Federal Benefits and personal financial planning.

Shober & Zelcer Financial Planners brings the following to MAFCU and its members:

  • Financial Planning Services
  • Financial Planning Products
  • Financial Planning Education

Our Financial Planning services cover:

  • Retirement Planning
  • College Savings
  • Debt Reduction
  • Investment Management
  • Insurance Strategy
  • Business Financial Planning

Our Financial Planning Products cover:

  • Investment Accounts
  • Retirement Accounts
  • College 529 Plans
  • Annuities
  • Mutual Funds (and other publicly traded funds)
  • Life Insurance
  • Long Term Care Insurance
  • Disability Insurance
  • Employer/Employee Benefits:
    • 401(k) Accounts
    • Group Health Insurance

Our Financial Planning Education offers:

  • Live Seminars
  • Live Webinars
  • Facebook Live Feeds



David Shober /

Phone: 240-499-5473

Stephen Zelcer /

Phone: 202-595-1700 / Fax: 202-595-1750