What are the current interest rates at Act 1st Federal Credit Union?

Current rates for Act 1st Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.75%, 24-Month CD: 3.75%, 60-Month CD: 3.00%, Savings: 0.20%, MMA: 0.95%

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Act 1st Federal Credit Union

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Act 1st Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Act 1st Federal Credit Union?

Yes, to access services at Act 1st Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Act 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Act 1st Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its 12 Month CD, 0.20% APY on savings, 0.95% APY on money market accounts, 3.30% APY on checking, and personal loans from 10.49% APR, according to rates verified by MonitorBankRates. Other Act 1st Federal Credit Union CD rates include 18 Month CD at 3.75%, 24 Month CD at 3.75%, and 36 Month CD at 3.25%. MonitorBankRates evaluates the financial stability of Act 1st Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.54%. Rates last updated and verified on 10/12/2026.

Act 1st Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Act 1st Federal Credit Union? Share your experience about Act 1st Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Act 1st Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.54%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Act 1st Federal Credit Union
ACT 1st Federal Credit Union - LaVale

14316 National Hwy SW
LaVale, MD 21502

https://www.act1stfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Act 1st Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	3.687%	3.75%	12 Months
Min Deposit $500 Details Minimum Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
18 Month Share Certificate	3.687%	3.75%	18 Months
Min Deposit $500 Details Minimum Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
24 Month Share Certificate	3.687%	3.75%	24 Months
Min Balance $500 Details Balance: $500+; Minimum Deposit $500+ Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
36 Month Share Certificate	3.203%	3.25%	36 Months
Min Balance $500 Details Balance: $500+; Minimum Deposit $500+ Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
48 Month Share Certificate	2.96%	3.00%	48 Months
Min Balance $500 Details Balance: $500+; Minimum Deposit $500+ Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
60 Month Share Certificate	2.96%	3.00%	60 Months
Min Balance $500 Details Balance: $500+; Minimum Deposit $500+ Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
6 Month Share Certificate	2.227%	2.25%	6 Months
Min Deposit $500 Details Minimum Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
9 Month Share Certificate	2.227%	2.25%	9 Months
Min Deposit $500 Details Minimum Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Act 1st Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.20%	0.20%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Summer Savings Account	0.20%	0.20%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Vacation Club Account	0.20%	0.20%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Youth Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Act 1st Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.95%	0.954%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and Greater; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Money Market	0.75%	0.753%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $500,000; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Money Market	0.45%	0.451%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000 - $250,000; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Money Market	0.40%	0.401%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000 - $150,000; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Money Market	0.35%	0.351%
Min Deposit $2,500 Min Balance $30,000 Details Balance: $30,000 - $75,000; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $15,000 Details Balance: $15,000 - $30,000; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $15,000; $2,500.00 minimum deposit required Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Act 1st Federal Credit Union Checking Rates

Product	Rate	APY	View More
Advantage Plus Cash Reward Checking	-	3.299%
Details Qualifications Required; Qualified balance up to $10,000.00; balances above $10,000.00 or not meeting requirements earn 0.150% APY Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Act 1st Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	6.75%
Details As Low As; Interest rate is variable; Maximum APR 18%; prepayment fee if line is cancelled or terminated within the first 36 months after funding Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Act 1st Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature / Personal Loan	10.49%	0 - 12 Months
Details As Low As; APR* as low as Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Oct 4, 202610.49%▲ from 9.99% Sep 12, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Signature / Personal Loan	10.99%	13 - 36 Months
Details As Low As; APR* as low as Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49% Oct 4, 202610.99%▲ from 10.49% Sep 12, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Signature / Personal Loan	11.49%	37 - 48 Months
Details As Low As; APR* as low as Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99% Oct 4, 202611.49%▲ from 10.99% Sep 12, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Signature / Personal Loan	11.99%	49 - 60 Months
Details As Low As; APR* as low as; >$10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 11.00% → 11.99% ▲ 0.99 pts · high 11.99% / low 11.00% Oct 4, 202611.99%▲ from 11.00% Sep 12, 202611.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Act 1st Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Business Executive Share Draft	0.10%	-	0.10%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Individual Retirement Account (IRA) - <$100,000	2.25%	-	2.273%
Min Balance $0 Details $.01; Balance: $.01 - <$100,000; Dividend Rate column shown as Dividend Rate; Rates effective as of 10/01/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Individual Retirement Account (IRA) - <$200,000	2.50%	-	2.529%
Min Balance $100,000 Details $100,000; Balance: $100,000 - <$200,000; Rates effective as of 10/01/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Individual Retirement Account (IRA) and Greater	3.00%	-	3.042%
Min Balance $200,000 Details $200,000; Balance: $200,000 and Greater; Rates effective as of 10/01/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Regular Share and Greater	0.05%	-	0.05%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%
Share Draft Account (Interest Bearing)	-	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Act 1st Federal Credit Union’s Texas Ratio rose from 8.49% in Q3 2023 to 12.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$150M	12.54%	5.0	A
March 31, 2026	$150M	8.43%	5.0	A
December 31, 2025	$145M	13.45%	5.0	A
September 30, 2025	$144M	10.75%	5.0	A
June 30, 2025	$146M	12.75%	5.0	A
March 31, 2025	$144M	9.42%	5.0	A
December 31, 2024	$142M	16.79%	4.9	A-
September 30, 2024	$143M	10.11%	5.0	A
June 30, 2024	$142M	6.96%	5.0	A
March 31, 2024	$147M	5.96%	4.8	A
December 31, 2023	$143M	8.37%	4.9	A
September 30, 2023	$144M	8.49%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Act 1st Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Act 1st Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Act 1st Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Act 1st Federal Credit Union

Website https://www.act1stfcu.org

Address 14316 National Hwy SW, LaVale, MD 21502

Phone 301-729-8015

Fax 301-729-2147

President Shawnee McElfish

CEO Stephanie Boyd

Full-Time Employees 42

Part-Time Employees 0

Branch Locations 3

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.54%

Return on Assets (ROA)

0.3724%

Return on Equity (ROE)

4.6171%

Non-Performing Loans Ratio (NPL)

1.53%

Total Assets

149,669,435

Total Amount of Shares and Deposits

137,175,719

Total Shares and Deposits < 1 Year

126,460,454

Total Shares and Deposits 1 3 Years

9,480,483

Total Shares and Deposits > 3 Years

1,234,781

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,448,601

Total Uninsured Shares and Deposits > $250K (F+J)

5,448,601

Total Insured Shares and Deposits > $250K (item 17 less item K)

131,727,118

Total Interest Expense (Sum of items 6 8)

985,295

Share Certificates

1,077

Number of Accounts for Share Drafts

6,211

IRA KEOGH Accounts

264

Number of Accounts for Regular Shares

13,852

Money Market Shares

113

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

24,654,793

Total Liabilities

137,596,626

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Act 1st Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Act 1st Federal Credit Union

How many branches does Act 1st Federal Credit Union operate?

Act 1st Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Act 1st Federal Credit Union?

Yes, to access services at Act 1st Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Act 1st Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Act 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Act 1st Federal Credit Union offer online and mobile banking?

Most modern institutions like Act 1st Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.act1stfcu.org.

Current Act 1st Federal Credit Union Rates

12-Month CD3.75%
18-Month CD3.75%
24-Month CD3.75%
60-Month CD3.00%
Savings0.20%
MMA0.95%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Act 1st Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Act 1st Federal Credit Union Texas Ratio

Act 1st Federal Credit Union Health Trend

Act 1st Federal Credit Union CD Rates

Act 1st Federal Credit Union Savings Rates

Act 1st Federal Credit Union Money Market Rates

Act 1st Federal Credit Union Checking Rates

Act 1st Federal Credit Union Home Equity & HELOC

Act 1st Federal Credit Union Personal Loan Rates

Act 1st Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Act 1st Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Act 1st Federal Credit Union

How many branches does Act 1st Federal Credit Union operate?

Is a member application needed to join Act 1st Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Act 1st Federal Credit Union offer online and mobile banking?

Current Act 1st Federal Credit Union Rates

Compare to Other Credit Unions