ACT 1st Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.12%	5-year CD	60 Month Share Certificate 2.80% - Barclays 60 Month Online CD
1.21%	1-year CD	12 Month Share Certificate Special 2.20% - Barclays 12 Month Online CD
0.40%	Savings	Regular Shares 1.65% - Synchrony Bank High Yield Savings

View all ACT 1st Federal Credit Union rates »

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 33^rd largest credit union in the state of Maryland. It is also the 1,557^th 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

A

Data as of Q4 2017

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Health Grade Components

Overall
NCUA #	6679
Year Chartered	1950
Employees	34
Primary Regulator

Profit Margin
Return on Assets - YTD	0.08%
Return on Equity - YTD	0.77%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$104.5MM$101.9MM
Loans	Q4 2017vs Q4 2016	$75.4MM$68.0MM
Deposits	Q4 2017vs Q4 2016	$93.0MM$90.6MM
Equity Capital	Q4 2017vs Q4 2016	$11.3MM$11.2MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$349.00K$350.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$462.00K$385.00K
Real Estate Owned	Q4 2017vs Q4 2016	$28.00K$0

Rates

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Money Market
Checking
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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
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$2,500	-	Interest Bearing Share Draft Account

ACT 1st Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	14316 National Hwy SW	LaVale, MD 21502
Branch Office	11905 Messick Rd SE	Cumberland, MD 21502-8714
Branch Office	204 S Lee St	Cumberland, MD 21502

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