ACT 1st Federal Credit Union

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CURRENT TOP RATE

60 Month Share Certificate

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.66%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.51%	1-year CD	2.60% - Capital One 12 Month 360 CD
0.45%	Savings	1.90% - American Express National Bank High Yield Savings Account

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 34^th largest credit union in the state of Maryland. It is also the 1,556^th largest credit union in the nation. It was established in 1950 and as of June of 2018, it had grown to 40 employees and 10,344 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. https://www.act1stfcu.org/

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Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	6679
Year Chartered	1950
Employees	40
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	3.37%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$107.9MM$106.3MM
Loans	Q2 2018vs Q2 2017	$81.8MM$71.1MM
Deposits	Q2 2018vs Q2 2017	$96.5MM$95.0MM
Equity Capital	Q2 2018vs Q2 2017	$11.5MM$11.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$344.00K$330.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$210.00K$262.00K
Real Estate Owned	Q2 2018vs Q2 2017	$11.00K$41.00K

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.35%^*	$200k^*	-	IRA Savings
OTHER TIERS: 2.02% → Up to $100k \| 2.53% → $100k - $200k
0.45%^*	$50k^*	-	Regular Shares
OTHER TIERS: 0.35% → $5 - $10k \| 0.40% → $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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.11%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.40% → $2.5k - $15k \| 0.45% → $15k - $30k \| 0.55% → $30k - $75k \| 0.65% → $75k - $150k \| 0.80% → $150k - $250k \| 0.95% → $250k - $500k

ACT 1st Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$2.5k	-	Interest Bearing Share Draft Account

ACT 1st Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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
2.79%	$500	-	15 Month Share Certificate
2.38%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 2.17% → $500 - $50k \| 2.27% → $50k - $100k
2.27%	$500	-	10 Month Share Certificate
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 IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.66%^*	$100k^*	-	60 Month IRA Certificate
OTHER TIERS: 3.14% → $500 - $50k \| 3.40% → $50k - $100k
2.99%^*	$100k^*	-	48 Month IRA Certificate
OTHER TIERS: 2.53% → $500 - $50k \| 2.79% → $50k - $100k
2.79%	$500	-	15 Month Certificate IRA
2.38%^*	$100k^*	-	36 Month IRA Certificate
OTHER TIERS: 2.17% → $500 - $50k \| 2.27% → $50k - $100k
2.27%	$500	-	10 Month Certificate IRA
2.02%^*	$100k^*	-	24 Month IRA Certificate
OTHER TIERS: 1.92% → $500 - $50k \| 1.97% → $50k - $100k
1.82%	$500	-	18 Month IRA Certificate
1.51%	$500	-	12 Month IRA Certificate
1.26%	$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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