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iAdvertiser Disclosure
Advertiser Disclosure
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 Act 1st Federal Credit Union Rates & Review April 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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
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 04/11/2026. 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. Act 1st Federal Credit Union
ACT 1st Federal Credit Union LaVale 14316 National Hwy SW
https://www.act1stfcu.org LaVale, MD 21502 
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 & 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
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
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Act 1st Federal Credit UnionIs Act 1st Federal Credit Union a safe place to deposit money?Yes, Act 1st Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 11.876168961932%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
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