Thanks for the photos drpepper. Your female doesn't really look fungusy to me but it looks like she's retaining scutes (not shedding when she should). To help her shed make sure she basks frequently under good light (must be a UVB bulb that's emitting at least 5% UVB and isn't too old so that it's lost its power) and drys out completely - top and bottom. Also you can feed her occasionally some foods that are high in vitamin 3, which helps a turtle to shed:
Vitamin E
Foods with vitamin e that are suitable for turtles:
Tomato
Sweet potato
Turnip greens
Blueberries
Apple skin
Foods with vitamin e but that are not good for turtles:
Broccoli
Spinach
If her skin ever does start looking grey, feeling slimy, looking all fuzzy when under water, or smelling bad then she may have fungus. You can try the Turtle Sulfa Dip and if she doesn't get a lot better fast then she'll need to see a vet.
Like everyone else said you'll need to upgrade the size of the tank pretty significantly. Not only will it be possible to stay clean when it's right sized but also your turtles will be happier. In nature they live in big ponds and lakes and love to swim and dive.
Really cute turtles by the way!
