2. ACT 1st Federal Credit Union

ACT 1st Federal Credit Union


Overview / Commentary
www.act1stfcu.org
301-729-8015
14316 National Hwy SW
LaVale, MD 21502

ACT 1st Federal Credit Union is headquartered in LaVale and is the 34th largest credit union in the state of Maryland. It is also the 1,434th largest credit union in the nation. It was established in 1950 and as of June of 2019, it had grown to 45 employees and 11,971 members at 3 locations. ACT 1st Federal Credit Union's money market rates are 3X the national average, and it has a B+ 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.
See current membership details

Related Posts

2.94% APY 15-Month Certificate Special, Cumberland MD - 8/10/2019

ACT 1st Federal Credit Union Certificate Special 2.94% APY for a minimum deposit of $500.00 A penalty of 180 days worth of dividends may be imposed for early withdrawal of 15 month certificate. Membership eligibility requirements apply. Limited time offer. Also noteworthy: 60-month Share Certificate rates: 3.14% APY $500.00 - $49,999.99 3.40% APY $50,000.00 - $99,999.99 3.66% APY $100,000.00 and Greater

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Health
B+

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #6679
Year Chartered1950
Employees45
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.35%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$125.2MM$107.9MM
LoansQ2 2019vs Q2 2018$104.7MM$81.8MM
DepositsQ2 2019vs Q2 2018$113.1MM$96.5MM
Equity CapitalQ2 2019vs Q2 2018$12.0MM$11.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$449.00K$344.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$796.00K$210.00K
Real Estate OwnedQ2 2019vs Q2 2018$62.00K$11.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

2.94% APY 15-Month Certificate Special, Cumberland MD

JoeDC   |  
ACT 1st Federal Credit Union Certificate Special
2.94% APY for a minimum deposit of $500.00
A penalty of 180 days worth of dividends may be imposed for early withdrawal of 15 month certificate.
Membership eligibility requirements apply.
Limited time offer.

Also noteworthy:
60-month Share Certificate rates:
3.14% APY $500.00 - $49,999.99
3.40% APY $50,000.00 - $99,999.99
3.66% APY $100,000.00 and Greater
3

Rates
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Always verify rates and promotions with the bank or credit union. We are not ACT 1st Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.35%*$200k*-IRA Savings
OTHER TIERS: 2.02% → Up to $100k | 2.53% → $100k - $200k
0.50%*$50k*-Regular Shares
OTHER TIERS: 0.40% → $5 - $10k | 0.45% → $10k - $50k
0.40%--Christmas Club Account
0.40%--Summer Savings Account
0.40%--Vacation Club Account

ACT 1st Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$500k*-Money Market Account
OTHER TIERS: 0.45% → $2.5k - $15k | 0.50% → $15k - $30k | 0.60% → $30k - $75k | 0.75% → $75k - $150k | 1.01% → $150k - $250k | 1.26% → $250k - $500k

ACT 1st Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k-Interest Bearing Share Draft Account
0.15%--Business Executive Share Draft

ACT 1st Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.66%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.14% → $500 - $50k | 3.40% → $50k - $100k
2.99%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.53% → $500 - $50k | 2.79% → $50k - $100k
2.94%$500-15 Month Share Certificate Special
2.38%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.17% → $500 - $50k | 2.27% → $50k - $100k
2.02%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.92% → $500 - $50k | 1.97% → $50k - $100k
1.82%$500-18 Month Share Certificate
1.51%$500-12 Month Share Certificate
1.26%$500-6 Month Share Certificate
Locations


ACT 1st Federal Credit Union Locations
Branch Office14316 National Hwy SWLaVale, MD 21502
Branch Office11905 Messick Rd SECumberland, MD 21502-8714
Branch Office204 S Lee StCumberland, MD 21502

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