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ACT 1st Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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 31st largest credit union in the state of Maryland. It is also the 1,521st 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 4X 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
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #6679
Year Chartered1950
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.21%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$144.4MM$146.7MM
LoansQ1 2025vs Q1 2024$108.5MM$108.1MM
DepositsQ1 2025vs Q1 2024$133.8MM$136.4MM
Equity CapitalQ1 2025vs Q1 2024$10.4MM$9.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.1MM$1.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.1MM$655K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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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* 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
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%*$0$10kAdvantage 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.95%$500-12 Month Share Certificate
3.50%$500-18 Month Share Certificate
3.50%$500-24 Month Share Certificate
3.25%$500-36 Month Share Certificate
3.15%$500-48 Month Share Certificate
3.00%$500-60 Month Share Certificate
2.75%$500-9 Month Share Certificate
2.25%$500-6 Month Share Certificate

ACT 1st Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$200k*-IRA Savings
OTHER TIERS: 2.27% → $0 - $100k | 2.53% → $100k - $200k
Locations


ACT 1st Federal Credit Union Locations
Branch Office14316 National Hwy SWLaVale, MD 21502
Branch Office11905 Messick Rd SECumberland, MD 21502-8714
Branch Office555 W Main StRomney, WV 26757-1532
Branch Office555 W Main StRomney, WV 26757-1532

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