Featured Savings Rates
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ACT 1st Federal Credit Union

Popular Accounts at this Credit Union

1.76%5-year CD60 Month Share Certificate
0.70%1-year CD12 Month Share Certificate
0.25%SavingsRegular Shares

Overview / Commentary
14316 National Hwy SW
LaVale, MD 21502

ACT 1st Federal Credit Union is headquartered in LaVale and is the 33rd largest credit union in the state of Maryland. It is also the 1,551st 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.
See current membership details


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Health Grade Components

NCUA #6679
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD-0.16%
Return on Equity - YTD-1.53%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$106.3MM$103.5MM
LoansQ2 2017vs Q2 2016$71.1MM$67.0MM
DepositsQ2 2017vs Q2 2016$95.0MM$92.4MM
Equity CapitalQ2 2017vs Q2 2016$11.1MM$10.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$330.00K$357.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$262.00K$484.00K
Real Estate OwnedQ2 2017vs Q2 2016$41.00K$0
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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

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

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

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

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