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 2.25% - Ally Bank High Yield 5 Year CD
0.85%	1-year CD	12 Month Share Certificate 1.50% - Ally Bank No Penalty 11-Month CD
0.40%	Savings	Regular Shares 1.20% - Ally Bank Online Savings Account

View all ACT 1st Federal Credit Union rates »

Overview / Commentary

alcoteachersfcu.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 1,551^st 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 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 Q2 2017

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Health Grade Components

Overall
NCUA #	6679
Year Chartered	1950
Employees	31
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.16%
Return on Equity - YTD	-1.53%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$106.3MM$103.5MM
Loans	Q2 2017vs Q2 2016	$71.1MM$67.0MM
Deposits	Q2 2017vs Q2 2016	$95.0MM$92.4MM
Equity Capital	Q2 2017vs Q2 2016	$11.1MM$10.9MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$330.00K$357.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$262.00K$484.00K
Real Estate Owned	Q2 2017vs Q2 2016	$41.00K$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
0.10%	$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
1.56%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 1.36% → $500 - $50k \| 1.46% → $50k - $100k
1.25%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 1.05% → $500 - $50k \| 1.16% → $50k - $100k
0.95%	$500	-	18 Month Share Certificate
0.85%	$500	-	12 Month Share Certificate
0.75%	$500	-	6 Month Share 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