Credit union · NCUA insured
ACT 1st Federal Credit Union
A $150.3M credit union headquartered in La Vale, MD, with 12,048 members and 3 branches in 2 states. Best rates: CDs 3.75% and savings 0.25% APY.
ACT 1st Federal Credit Union Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#8 of 10 in Cumberland, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ACT 1st Federal Credit Union
ACT 1st Federal Credit Union is a member-owned credit union operating branches in LaVale, MD, Cumberland, MD, and Romney, WV.
- Headquarters
- 14316 National Hwy SW, La Vale, MD 21502
- NCUA charter
- 6679
Branches
3 branches in 2 states
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Maryland
2 branches
- LaValeMain office14316 National Hwy SW, La Vale, MD 21502Directions
- Messick11905 Messick Rd SE, Cumberland, MD 21502Directions
West Virginia
1 branch
- Romney555 W Main St, Romney, WV 26757Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.07% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio8.07%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of ACT 1st Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.