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ACT 1st Federal Credit Union


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 34th largest credit union in the state of Maryland. It is also the 1,379th largest credit union in the nation. It was established in 1950 and as of December of 2019, it had grown to 50 employees and 12,488 members at 3 locations. ACT 1st Federal Credit Union's money market rates are 3X 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 or Garrett; the West Virginia counties of Hampshire or Mineral; or Bedford County in Pennsylvania. Businesses and other legal entities located in those same counties also qualify for membership.
See current membership details

Related Posts

2.94% APY 15-Month Certificate Special, Cumberland MD - 8/10/2019

ACT 1st Federal Credit Union Certificate Special 2.94% APY for a minimum deposit of $500.00 A penalty of 180 days worth of dividends may be imposed for early withdrawal of 15 month certificate. Membership eligibility requirements apply. Limited time offer. Also noteworthy: 60-month Share Certificate rates: 3.14% APY $500.00 - $49,999.99 3.40% APY $50,000.00 - $99,999.99 3.66% APY $100,000.00 and Greater

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Health
B+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #6679
Year Chartered1950
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD2.35%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$133.5MM$116.2MM
LoansQ4 2019vs Q4 2018$103.3MM$94.8MM
DepositsQ4 2019vs Q4 2018$121.4MM$104.2MM
Equity CapitalQ4 2019vs Q4 2018$12.0MM$11.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$530.00K$392.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.3MM$615.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$43.00K
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%*$200k*-IRA Savings
OTHER TIERS: 1.51% → Up to $100k | 2.23% → $100k - $200k
0.15%*$50k*-Regular Shares
OTHER TIERS: 0.05% → $5 - $10k | 0.10% → $10k - $50k
0.15%--Christmas Club Account
0.15%--Summer Savings Account
0.15%--Vacation Club Account

ACT 1st Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$500k*-Money Market Account
OTHER TIERS: 0.20% → $2.5k - $15k | 0.25% → $15k - $30k | 0.35% → $30k - $75k | 0.45% → $75k - $150k | 0.75% → $150k - $250k | 0.95% → $250k - $500k

ACT 1st Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.14%*-$10kAdvantage Plus Cash Reward Checking
OTHER TIERS: 0.10% → $10k+
0.10%$2.5k-Interest Bearing Share Draft Account
0.05%--Business Executive Share Draft

ACT 1st Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%*$100k*-60 Month Share Certificate
OTHER TIERS: 1.56% → $500 - $50k | 1.61% → $50k - $100k
1.51%*$100k*-48 Month Share Certificate
OTHER TIERS: 1.41% → $500 - $50k | 1.46% → $50k - $100k
1.36%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.26% → $500 - $50k | 1.31% → $50k - $100k
1.21%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.12% → $500 - $50k | 1.16% → $50k - $100k
1.06%$500-18 Month Share Certificate
0.90%$500-12 Month Share Certificate
0.60%$500-6 Month Share Certificate
Locations


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

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