ACT 1st Federal Credit Union

Overview / Commentary
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.


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #6679
Year Chartered1950
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
Report an Issue

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

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

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

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

ACT 1st Federal Credit Union CD Rates

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

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.