Act 1st Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Act 1st Federal Credit Union's 24-Month CD rates are at 4.07%, 18-Month CD rates are at 4.07%, 12-Month CD rates are at 4.07%, 36-Month CD rates are at 3.56%, 60-Month CD rates are at 3.30%. Act 1st Federal Credit Union's savings rates are at 0.05%. Act 1st Federal Credit Union's money market rates are at 0.25%. Act 1st Federal Credit Union's Personal Loan Rates are at 10.00.

Act 1st Federal Credit Union

Compare Act 1st Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Act 1st Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, Act 1st Federal Credit Union is an excellent credit union worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.07%
18-Month CD
4.07%
24-Month CD
4.07%
36-Month CD
3.56%
48-Month CD
3.30%
60-Month CD
3.30%
Savings
0.05%
MMA
0.25%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
10.00%
Act 1st Federal Credit Union
ACT 1st Federal Credit Union
14316 National Hwy SW
LaVale, MD 21502
Member NCUA
MonitorBankRates' Rating
4/5
★★★★☆

Compare Act 1st Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bank of Star Valley
Bank of Star Valley
Kasasa Cash
5.50%
$0
GCSB Swayzee, IN
GCSB Swayzee, IN
60-Month CD
4.32%
$1,000
VISIONBank Saint Francis, MN
VISIONBank Saint Francis, MN
6-Month CD
4.19%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
12-Month CD
4.07%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
18-Month CD
4.07%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
24-Month CD
4.07%
$500
Guardian Credit Union Montgomery, AL
Guardian Credit Union Montgomery, AL
18-Month CD
3.65%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
36-Month CD
3.56%
$500
PSECU
PSECU
18-Month CD
3.55%
$500
Raymond James Bank
Raymond James Bank
3-Month CD
3.40%
$1,000
Bonanza Valley State Bank
Bonanza Valley State Bank
60-Month CD
3.40%
$500
Great Plains State Bank
Great Plains State Bank
36-Month CD
3.40%
$500
Bank of the Valley
Bank of the Valley
48-Month CD
3.39%
$500
Gainey Business Bank
Gainey Business Bank
12-Month CD
3.30%
$5,000
Act 1st Federal Credit Union
Act 1st Federal Credit Union
48-Month CD
3.30%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
60-Month CD
3.30%
$500
Generations Commercial Bank
12-Month CD
3.25%
$500
Beal Bank
Beal Bank
Money Market
3.25%
$1,000
BayFirst National Bank
BayFirst National Bank
60-Month CD
3.01%
$1,000
RBAZ Republic Bank of Arizona
48-Month CD
3.00%
$1,000
Bath Savings Institution
Bath Savings Institution
60-Month CD
2.94%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
6-Month CD
2.79%
$500
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
60-Month CD
2.59%
$1,000
Luana Savings Bank
Luana Savings Bank
Money Market
2.43%
$0
Port Washington State Bank
Port Washington State Bank
24-Month CD
2.15%
$1,000
First Security Bank of Deer Lodge
First Security Bank of Deer Lodge
30-Month CD
2.02%
$1,000
802 Credit Union
802 Credit Union
6-Month CD
1.90%
$500
DCU Digital Federal Credit Union
DCU Digital Federal Credit Union
Money Market
1.71%
$1,000
Forcht Bank
Forcht Bank
Forcht Reserve Money Market
1.51%
$250,000
The Citizens Bank Company
The Citizens Bank Company
18-Month CD
1.48%
$1,000
Washington State Bank Washington, IA
Washington State Bank Washington, IA
3-Month CD
1.41%
$500
USAA Federal Savings Bank
USAA Federal Savings Bank
24-Month CD
1.40%
$1,000
Pioneer Federal S&L
Pioneer Federal S&L
Money Market
1.28%
$2,500
Karnes County National Bank
Karnes County National Bank
Money Market
1.26%
$1,500
Bank of Stronghurst
Bank of Stronghurst
30-Month CD
1.26%
$500
United Minnesota Bank
United Minnesota Bank
24-Month CD
1.10%
$500
PeopleFirst Bank
PeopleFirst Bank
24-Month CD
1.00%
$2,500
Midland Community Bank
Midland Community Bank
24-Month CD
0.85%
$1,000
West Plains S&L
West Plains S&L
30-Month CD
0.75%
$1,000
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
Money Market
0.50%
$2,500
Ballston Spa National Bank
Ballston Spa National Bank
24-Month CD
0.45%
$500
First National Bank in Pinckneyville
First National Bank in Pinckneyville
30-Month CD
0.40%
$500
Century Bank and Trust GA
Century Bank and Trust GA
Money Market
0.35%
$2,500
Henderson FSB
Henderson FSB
Money Market
0.25%
$1,000
Minnstar Bank
Minnstar Bank
Money Market
0.25%
$0
Access Bank
Access Bank
Classic Access Savings
0.25%
$1,000
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Money Market
0.25%
$2,500
Eastern Bank
Eastern Bank
60-Month CD (Business Select)
0.20%
$500
Citi
Citi
12-Month CD
0.10%
$500
The Bank of Brodhead
The Bank of Brodhead
Safe Money Market
0.10%
$1,000
Brattleboro S&L
Brattleboro S&L
Statement Savings
0.10%
$250
SaviBank
SaviBank
Savings
0.10%
$100
BankChampaign
BankChampaign
Regular Savings
0.05%
$200
Columbia Bank
Columbia Bank
Yield Money Market
0.05%
$1,500
First Nations Bank
First Nations Bank
48-Month CD
0.05%
$1,000
The Bank of Bourbonnais
The Bank of Bourbonnais
18-Month CD
0.05%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Savings
0.05%
$5
Wrentham Co-operative Bank
Wrentham Co-operative Bank
Regular Savings
0.05%
$10
Dime Bank
Dime Bank
Statement Savings
0.03%
$20
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Act 1st Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
15 Year Fixed
5.500%
5.637%
0.000
Chartway Credit Union
Chartway Credit Union
5/1 ARM
5.625%
5.693%
0.000
Hatboro Federal Savings
Hatboro Federal Savings
10-Year Fixed
5.250%
5.791%
2.000
Wells Fargo
Wells Fargo
15-Year Fixed
5.625%
5.872%
1.000
WVS West View SB
WVS West View SB
10-Year Fixed
5.490%
5.886%
0.000
Peoples Trust Co. of St. Albans
Peoples Trust Co. of St. Albans
15-Year Fixed
5.875%
5.913%
0.000
1st United Credit Union
1st United Credit Union
15-Year Fixed
6.000%
6.075%
0.000
Greenville National Bank
Greenville National Bank
15-Year Fixed
6.000%
6.134%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
10 Year Fixed
6.000%
6.160%
0.000
FNB of River Falls
FNB of River Falls
10-Year Fixed
6.000%
6.168%
0.000
JTNB
JTNB
20-Year Fixed
6.100%
6.191%
0.000
River Falls State Bank
River Falls State Bank
15-Year Fixed
6.000%
6.209%
0.000
Missouri Credit Union
Missouri Credit Union
10 Year Fixed
6.000%
6.223%
0.000
Kohler Credit Union
Kohler Credit Union
20 Year Fixed
6.125%
6.268%
0.000
Somerset Savings Bank
Somerset Savings Bank
15-Year Fixed
6.125%
6.338%
0.000
Community First Bank Rosholt, WI
Community First Bank Rosholt, WI
15-Year Fixed
6.125%
6.369%
0.000
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
10/6 ARM
6.375%
6.394%
0.000
Peoples Trust Co. of St. Albans
Peoples Trust Co. of St. Albans
30-Year Fixed
6.375%
6.398%
0.000
Luana Savings Bank
Luana Savings Bank
30-Year Fixed
6.375%
6.423%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
20 Year Fixed
6.250%
6.434%
0.000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
30-Year Fixed
6.375%
6.435%
0.000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
30-Year Fixed (Jumbo)
6.375%
6.435%
0.000
First Northern Credit Union
First Northern Credit Union
15 Year Fixed
6.375%
6.441%
0.000
Ideal Credit Union
Ideal Credit Union
5/1 ARM
5.875%
6.471%
0.000
Morton Lane Federal Credit Union
Morton Lane Federal Credit Union
15 Year Fixed
6.375%
6.484%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Act 1st Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Rewards Credit Card
14.240%
Suncoast Credit Union
Suncoast Credit Union
Rewards Share Secured
18.000%
Credit Limit - $300 - $5,000
A & S Federal Credit Union
A & S Federal Credit Union
Visa Platinum Card
9.500%
No annual fee; Earn Rewards
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
Canyon View Credit Union
Canyon View Credit Union
Visa Secure Card
13.740%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Classroom Supply Visa
8.500%
Acme Continental Credit Union
Acme Continental Credit Union
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Starter
17.990%
1st United Credit Union
1st United Credit Union
Visa Platinum
13.900%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Classic
15.400%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Low Rate Credit Card
13.240%
360 Federal Credit Union
360 Federal Credit Union
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum
8.900%
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
1st United Credit Union
1st United Credit Union
Visa Platinum Rewards
14.900%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
America First Federal Credit Union
America First Federal Credit Union
CLASSIC REWARDS VISA
18.000%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Act 1st Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
12.500%
$0
60 - 60
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
1st Valley Credit Union
1st Valley Credit Union
Signature Loan
10.500%
$0
1st Northern California Credit Union
1st Northern California Credit Union
Title Loans
5.500%
$0
1st Valley Credit Union
1st Valley Credit Union
Next Step Loan
10.500%
$0
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
ACMG Federal Credit Union
ACMG Federal Credit Union
Personal Loans
8.990%
$0
36
Acipco Federal Credit Union
Acipco Federal Credit Union
Signature Loan
10.000%
$0
1 - 36
Academic Employees Credit Union
Academic Employees Credit Union
Personal Line of Credit
9.500%
$0
Suncoast Credit Union
Suncoast Credit Union
Personal Line of Credit
11.500%
$0
Security Service Federal Credit Union
Security Service Federal Credit Union
Debt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
AT&T Employees Federal Credit Union
AT&T Employees Federal Credit Union
EZ Loan
18.000%
$0 - $500
5
Achieva Credit Union
Achieva Credit Union
Personal Loan
11.000%
$0
1 - 12
Suncoast Credit Union
Suncoast Credit Union
Personal Signature Loan
11.000%
$0
96
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
12.990%
$0
1 - 24
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Lines of Credit
11.900% - 19.400%
$0
Canyon View Credit Union
Canyon View Credit Union
Personal Loans
13.240%
$0 - $2,000
36 - 36
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Canyon View Credit Union
Canyon View Credit Union
Personal Loans
13.740%
$5,000
60 - 60
Vystar Credit Union
Vystar Credit Union
Personal Loans
11.000%
$0
37 - 60
Achieve Financial Credit Union
Achieve Financial Credit Union
Student Loan Consolidation
5.490%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Act 1st Federal Credit Union Information

Credit Union Name: Act 1st Federal Credit Union
Full Time Employees: 40
Part Time Employees: 0
President: Shawnee McElfish
CEO: Stephanie Boyd
Branch Locations: 5
ATM Locations: 4
Corporate Office Address:
14316 National Hwy SW
LaVale, MD 21502
Phone Number: 301-729-8015
Fax Number: 301-729-2147

Act 1st Federal Credit Union Financials

Total Assets:
146,729,206
Total Amount of Shares and Deposits:
136,408,558
Total Shares and Deposits < 1 Year:
127,121,348
Total Shares and Deposits 1 3 Years:
3,982,936
Total Shares and Deposits > 3 Years:
5,304,276
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
5,855,166
Total Uninsured Shares and Deposits > $250K (F+J):
5,855,166
Total Insured Shares and Deposits > $250K (item 17 less item K):
130,553,392
Total Interest Expense (Sum of items 6 8):
564,701
Share Certificates:
1,257
Number of Accounts for Share Drafts:
6,283
IRA KEOGH Accounts:
290
Number of Accounts for Regular Shares:
14,699
Money Market Shares:
136
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
16,234,861
Total Liabilities:
136,790,887
Show More

Act 1st Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
No
Deposits and Shares Meeting 70310(a):
1
Brokered Certificates of Deposits:
1
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

By Sharat from money-au.com.au
National average savings account rates and money market account rates are low right now. The average savings account rate/MMA rate for account balances of at least $2,500 is averaging only 0.33 percent. Account balances with a minimum of $10,000 are averaging 0.40 percent. Account balances of at least $25,000 earn a rate of 0.46 percent and balances of at least $50,000 earn a rate of 0.51 percent on average.
Mortgage Rates Hold Steady This WeekMortgage rates held steady this past week after hitting a new low for 2019 just a few weeks ago. Average 30-year mortgage rates today increased to 3.65 percent last week, up from the prior week's average rate of 3.64 percent. Back in early September, average 30-year mortgage rates fell to a fresh low of 3.49 percent.

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Act 1st Federal Credit Union Reviews

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