ACT 1st Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.76%	5-year CD	60 Month Share Certificate 2.25% - Bank of Internet USA 60 Month CD
0.70%	1-year CD	12 Month Share Certificate 1.50% - Goldman Sachs Bank USA 12 Month CD
0.25%	Savings	Regular Shares 1.35% - CIT Bank Premier High Yield Savings

View all ACT 1st Federal Credit Union rates »

Overview / Commentary

alcoteachersfcu.org

301-729-8015

14316 National Hwy SW
LaVale, MD 21502

ACT 1st Federal Credit Union is headquartered in LaVale and is the 33^rd largest credit union in the state of Maryland. It is also the 1,551^st largest credit union in the nation. It was established in 1950 and as of June of 2017, it had grown to 31 employees and 9,658 members at 3 locations. ACT 1st Federal Credit Union's money market rates are 48% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Must be an employee of the Allegany County Board of Education, Allegany College of Maryland or Allegany County Teachers' Association. Students attending School in the Allegany County School System and at Allegany College of Maryland are also eligible.
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Health

A

Data as of Q2 2017

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Health Grade Components

Overall
NCUA #	6679
Year Chartered	1950
Employees	31
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.16%
Return on Equity - YTD	-1.53%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$106.3MM$103.5MM
Loans	Q2 2017vs Q2 2016	$71.1MM$67.0MM
Deposits	Q2 2017vs Q2 2016	$95.0MM$92.4MM
Equity Capital	Q2 2017vs Q2 2016	$11.1MM$10.9MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$330.00K$357.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$262.00K$484.00K
Real Estate Owned	Q2 2017vs Q2 2016	$41.00K$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ACT 1st Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%	-	-	IRA
0.30%	-	-	Christmas Club Account
0.30%	-	-	Summer Savings Account
0.30%	-	-	Vacation Club Account
0.25%	-	-	Regular Shares

ACT 1st Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.30% → $2,500 - $20k \| 0.40% → $20k - $50k \| 0.50% → $50k - $75k

ACT 1st Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$500	-	60 Month Share Certificate
1.51%	$500	-	48 Month Share Certificate
1.21%	$500	-	36 Month Share Certificate
0.90%	$500	-	24 Month Share Certificate
0.80%	$500	-	18 Month Share Certificate
0.70%	$500	-	12 Month Share Certificate
0.60%	$500	-	6 Month Share Certificate

Locations

ACT 1st Federal Credit Union Locations
Branch Office	14316 National Hwy SW	LaVale, MD 21502
Branch Office	11905 Messick Rd SE	Cumberland, MD 21502-8714
Branch Office	204 S Lee St	Cumberland, MD 21502