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 1,477th largest credit union in the nation. It was established in 1950 and as of December of 2018, it had grown to 38 employees and 11,061 members at 3 locations. ACT 1st Federal Credit Union's money market rates are 3X 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.
See current membership details

Related Posts

3.3% APY 24-Month Certificate Special, Cumberland MD - 8/13/2018

ACT 1st Federal Credit Union Certificate Special 3.30% APY for a minimum deposit of $2,500.00 A penalty of 180 days worth of interest may be imposed for early withdrawal of 24 month certificates. Membership eligibility requirements apply. Limited time offer. https://www.act1stfcu.org/

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Health
A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #6679
Year Chartered1950
Employees38
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD3.64%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$116.2MM$104.5MM
LoansQ4 2018vs Q4 2017$94.8MM$75.4MM
DepositsQ4 2018vs Q4 2017$104.2MM$93.0MM
Equity CapitalQ4 2018vs Q4 2017$11.7MM$11.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$392.00K$349.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$615.00K$462.00K
Real Estate OwnedQ4 2018vs Q4 2017$43.00K$28.00K
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

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
0.35%--Christmas Club Account
0.35%--Summer Savings Account
0.35%--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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