ACT 1st Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 31^st largest credit union in the state of Maryland. It is also the 1,521^st largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 40 employees and 11,824 members at 4 locations. ACT 1st Federal Credit Union's CD rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in ACT 1st Federal Credit Union is open to those who live, work, worship, or attend school in the Maryland counties of Allegany, Garrett. or Washington; the West Virginia counties of Hampshire or Mineral; or the Pennsylvania counties of Bedford or Somerset. Businesses and other legal entities located in those same counties also qualify for membership.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	6679
Year Chartered	1950
Employees	40
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.02%
Return on Equity - YTD	-0.21%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$144.4MM$146.7MM
Loans	Q1 2025vs Q1 2024	$108.5MM$108.1MM
Deposits	Q1 2025vs Q1 2024	$133.8MM$136.4MM
Equity Capital	Q1 2025vs Q1 2024	$10.4MM$9.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.1MM$1.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.1MM$655K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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
0.20%	$0	-	Christmas Club Account
0.20%	$0	-	Summer Savings Account
0.20%	$0	-	Vacation Club Account
0.05%	$5	-	Regular Shares
0.05%	$0	-	Youth Savings

ACT 1st Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.95%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.25% → $2.5k - $15k \| 0.30% → $15k - $30k \| 0.35% → $30k - $75k \| 0.40% → $75k - $150k \| 0.45% → $150k - $250k \| 0.75% → $250k - $500k

ACT 1st Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%^*	$0	$10k	Advantage Plus Cash Reward Checking
OTHER TIERS: 0.15% → $10k+
0.10%	$2.5k	-	Interest Bearing Share Draft Account
0.10%	$0	-	Business Executive Share Draft

ACT 1st Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$500	-	12 Month Share Certificate
4.07%	$500	-	18 Month Share Certificate
4.07%	$500	-	24 Month Share Certificate
3.56%	$500	-	36 Month Share Certificate
3.30%	$500	-	48 Month Share Certificate
3.30%	$500	-	60 Month Share Certificate
3.04%	$500	-	9 Month Share Certificate
2.79%	$500	-	6 Month Share Certificate

ACT 1st Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.04%^*	$200k^*	-	IRA Savings
OTHER TIERS: 2.27% → $0 - $100k \| 2.53% → $100k - $200k

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	555 W Main St	Romney, WV 26757-1532
Branch Office	555 W Main St	Romney, WV 26757-1532

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