Act 1st Federal Credit Union Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Act 1st Federal Credit Union's savings rates are at 0.05%. Act 1st Federal Credit Union's Personal Loan Rates are at 9.99%. 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 11.88%. Rates were last updated on 03/02/2026.
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 by leaving a review below, or read customer reviews before you decide to use . Act 1st Federal Credit Union Texas RatioAct 1st Federal Credit Union's Texas Ratio is at 11.88%, which is considered excellent. The Texas Ratio for Act 1st Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Act 1st Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Act 1st Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Act 1st Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 94/100
Act 1st Federal Credit Union has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026
Act 1st Federal Credit Union
ACT 1st Federal Credit Union LaVale 14316 National Hwy SW
LaVale, MD 21502 
Act 1st Federal Credit Union Savings Rates
Act 1st Federal Credit Union Checking Rates
Act 1st Federal Credit Union Home Equity & HELOC
Act 1st Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: Act 1st Federal Credit Union
Website: https://www.act1stfcu.org
Full Time Employees: 42Part Time Employees: 0 President: Shawnee McElfish CEO: Stephanie Boyd Branch Locations: 3 ATM Locations: 6 Corporate Office Address:
14316 National Hwy SW
LaVale, MD 21502 Phone Number: 301-729-8015 Fax Number: 301-729-2147 FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (94/100)
Texas Ratio:
11.88%
Return on Assets (ROA):
0.5601%
Return on Equity (ROE):
7.1573%
Non-Performing Loans Ratio (NPL):
1.24%
Total Assets:
143,813,817
Total Amount of Shares and Deposits:
132,155,999
Total Shares and Deposits < 1 Year:
114,730,745
Total Shares and Deposits 1 3 Years:
16,129,518
Total Shares and Deposits > 3 Years:
1,295,736
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
5,271,286
Total Uninsured Shares and Deposits > $250K (F+J):
5,271,286
Total Insured Shares and Deposits > $250K (item 17 less item K):
126,884,713
Total Interest Expense (Sum of items 6 8):
1,525,922
Share Certificates:
1,129
Number of Accounts for Share Drafts:
6,162
IRA KEOGH Accounts:
277
Number of Accounts for Regular Shares:
13,829
Money Market Shares:
122
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
19,958,623
Total Liabilities:
132,559,708
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsCQPZ
December 17, 2025
mRdZ
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Frequently Asked Questions About Act 1st Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Act 1st Federal Credit Union provides a range of mortgage and home equity products. Is Act 1st Federal Credit Union a safe place to deposit money?Yes, Act 1st Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Act 1st Federal Credit Union offer online and mobile banking?Most modern institutions like Act 1st Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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