Business Details
Your Trusted Financial Partner in Maryland and West Virginia
ACT 1st Federal Credit Union has been dedicated to providing superior banking solutions since our establishment. We specialize in checking accounts, savings accounts, mortgage services, auto loans, home equity loans, and HELOCs, serving communities in Maryland and West Virginia. Our digital services enable convenient financial management through online banking and mobile apps, complemented by in-person support at our branches in LaVale, Cumberland, and Romney. We prioritize personalized service, community involvement, and financial wellness through workshops and educational resources.As a federally insured institution, we adhere to strict standards of security and compliance, ensuring our members' trust. Our team is committed to helping members achieve their financial goals with tailored solutions and transparent communication. With multiple access points and a focus on innovation, we strive to meet the evolving needs of our members while maintaining a strong local presence.
Services
Checking Accounts
Savings Accounts
Auto Loans
Home Equity Loans
HELOCs
Online Banking
Mobile App Services
Loan Payment Skip Program
Highlights and features
- We offer 24/7 online banking and mobile app access for seamless financial management.
- Our branches in Maryland and West Virginia provide localized, personalized service.
- Federally insured by NCUA, ensuring secure and reliable financial solutions.
- We specialize in diverse loan products, including home equity and auto loans.
- Our financial wellness workshops promote long-term member education and growth.
Associations and certifications
- NCUA
Services
Checking Accounts
Our checking accounts provide secure, flexible access to funds with features like debit cards and bill pay. Designed for everyday transactions, they support budgeting and financial management. Members enjoy competitive rates and no hidden fees.
Auto Loans
We offer auto loans with competitive APRs tailored to creditworthiness and loan terms. Our streamlined application process helps members purchase vehicles efficiently. Flexible repayment options ensure affordability for diverse financial situations.
Home Equity Loans
Home equity loans allow members to leverage property value for major expenses. With fixed interest rates and structured repayment, these loans provide predictable financial planning. Funds can be used for renovations, debt consolidation, or education.
Online Banking
Our online banking platform enables 24/7 account management, including transfers, bill pay, and transaction alerts. Secure login ensures safety while offering convenience. Real-time updates help members track spending and savings goals effortlessly.
Financial Wellness Workshops
Free workshops cover budgeting, credit management, and investment basics. Led by experts, these sessions empower members to make informed financial decisions. Materials and one-on-one consultations enhance personalized learning and long-term stability.
Questions
What loan types does ACT 1st Federal Credit Union offer?
We provide auto loans, home equity loans, HELOCs, personal loans, and mortgage services with competitive rates tailored to your credit profile.
How can I access my account online?
Use our secure online banking portal or mobile app for 24/7 access to account management, bill pay, and transaction alerts.
Are there fees for using the mobile app?
No, our mobile banking services are free to use, including features like remote deposit and account alerts.
What locations do you serve?
We operate branches in LaVale, Cumberland (Maryland), and Romney (West Virginia), with digital services available nationwide.
How do I report a lost debit or credit card?
Call 1-800-472-3272 for lost debit cards or 1-800-558-3424 for credit cards outside regular business hours.
Is my money insured with ACT 1st Federal Credit Union?
Yes, all deposits are federally insured up to $250,000 by the NCUA, ensuring your funds' safety and security.
