Lavale, MD 21502
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Notable Rates APY Vs.Others
Savings 0.05% 0.91% →
1-Year CD 0.75% 0.85% →
2-Year CD 1.06% 0.95% →
5-Year CD 1.51% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Act 1st is an NCUA insured institution located in Lavale, MD. It was founded in 1950 and has approximately $139.75 millions in assets.

NCUA Insured Yes
Charter Number # # 6679
Date Established 1950
Assets $139.75 million
Loans $99.60 million
Deposits $127.57 million
Capital $12.02 million

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.

Deposit Rates - November 26, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
0.95% $10,000 $14,999 Learn More
24 Mo CD
1.06% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.21% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.36% $100,000 $199,999 Learn More
60 Mo CD
1.41% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
1.51% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ACT 1ST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.557% 2.500% 0.75 $1,872 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to ACT 1ST
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Below are Act 1st branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Act 1st Locations

Financial Details

Act 1st Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Act 1st. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Act 1st U.S. Average
24.28% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Act 1st had $2,757,362 in non-current loans and $258,910 in owned assets. To cover these potential losses it had $12,019,488 in net worth and $400,906 in loans loss reserves. That gives it a Texas Ratio of 24.28%.

Net Worth
Act 1st U.S. Average
8.6% 13.61%

Act 1st FCU has a net worth of 8.6% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Act 1st

Branches and Savings

What is Act 1st?

A federal credit union, registered with the NCUA under certificate #6679.
Learn more about credit unions here.

Is Act 1st FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Act 1st?

Please see Field of Membership information above for information on who is eligible to join.

What are Act 1st's share account and share certificate rates?

Act 1st's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Act 1st?

Act 1st has total capital of $12.02 million. Full information on Act 1st's financial position is located above.

Who owns Act 1st?

Credit Unions are owned by their members.

Where are Act 1st branches located?

See branch locations nearby.

Are Act 1st ATMs Open 24/7?

Do Act 1st ATMs accept cash deposits?

Can Act 1st customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Act 1st have a mobile app?

Does Act 1st have mobile deposit?

Does Act 1st have quick pay?

How can Act 1st transfer money to other banks or credit unions?

Does Act 1st report to credit bureaus?

Does Act 1st use Chexsystems?

Does Act 1st use Equifax?

What is Act 1st's toll free phone number?

What is Act 1st's ACH Routing Number?

What is Act 1st's SWIFT code?

Where can I find Act 1st's wire transfer form?

What is the Act 1st address for deposits?

What Products Does Act 1st Offer

Does Act 1st offer mortgages?

Compare mortgage rates here.

Does Act 1st offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Act 1st offer auto and RV loans?

Compare auto loan rates here.

Does Act 1st offer student loans or personal loans?

Compare personal loan rates here.

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