Featured Savings Rates
Featured Accounts

ACT 1st Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.12%5-year CD60 Month Share Certificate
1.21%1-year CD12 Month Share Certificate Special
0.40%SavingsRegular Shares

Overview / Commentary
301-729-8015
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 1,557th largest credit union in the nation. It was established in 1950 and as of December of 2017, it had grown to 34 employees and 9,818 members at 3 locations. ACT 1st Federal Credit Union's money market rates are 2X 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

Health Grade Components

Overall
NCUA #6679
Year Chartered1950
Employees34
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD0.77%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$104.5MM$101.9MM
LoansQ4 2017vs Q4 2016$75.4MM$68.0MM
DepositsQ4 2017vs Q4 2016$93.0MM$90.6MM
Equity CapitalQ4 2017vs Q4 2016$11.3MM$11.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$349.00K$350.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$462.00K$385.00K
Real Estate OwnedQ4 2017vs Q4 2016$28.00K$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%--IRA
0.40%*$50k*-Regular Shares
OTHER TIERS: 0.30% Up to $10k | 0.35% $10k - $50k
0.30%--Christmas Club Account
0.30%--Summer Savings Account
0.30%--Vacation Club Account

ACT 1st Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$250k*-Money Market Account
OTHER TIERS: 0.40% $2,500 - $15k | 0.45% $15k - $30k | 0.55% $30k - $75k | 0.65% $75k - $150k | 0.80% $150k - $250k

ACT 1st Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Interest Bearing Share Draft Account

ACT 1st Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%*$100k*-60 Month Share Certificate
OTHER TIERS: 1.92% $500 - $50k | 2.02% $50k - $100k
1.87%*$100k*-48 Month Share Certificate
OTHER TIERS: 1.66% $500 - $50k | 1.76% $50k - $100k
1.76%$500-24 Month Share Certificate
1.56%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.36% $500 - $50k | 1.46% $50k - $100k
1.51%$500-18 Month Share Certificate Special
1.21%$500-12 Month Share Certificate Special
0.75%$500-6 Month Share Certificate

ACT 1st Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%*$100k*-60 Month IRA Certificate
OTHER TIERS: 1.92% $500 - $50k | 2.02% $50k - $100k
1.87%*$100k*-48 Month IRA Certificate
OTHER TIERS: 1.66% $500 - $50k | 1.76% $50k - $100k
1.76%$500-24 Month IRA Certificate
1.56%*$100k*-36 Month IRA Certificate
OTHER TIERS: 1.36% $500 - $50k | 1.46% $50k - $100k
1.51%$500-18 Month IRA Certificate Special
1.21%$500-12 Month IRA Certificate Special
0.75%$500-6 Month IRA 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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