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Credit union · NCUA insured

ACT 1st Federal Credit Union CD Rates

ACT 1st Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How ACT 1st Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Cumberland, MD-WV, where ACT 1st Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    ACT 1st Federal Credit Union

    3.75%APY

    Term
    12 months
    Minimum
    $500
    Earns on $10,000
    $375

    Share Certificate

  • Top Carrot, Carrot Score 93

    Top rate

    First Peoples Community Federal Credit Union

    4.15%APY

    Term
    15 months
    Minimum
    $500
    Earns on $10,000
    $521

    First Peoples Community Federal Credit Union rates

  • 2nd-highest rate

    SECU Credit Union

    4.10%APY

    Term
    13 months
    Minimum
    —
    Earns on $10,000
    $445

    SECU Credit Union rates

Compare CD rates near you →

ACT 1st Federal Credit Union CD score

78

CD score

Higher than 47% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.25%
  • 9–15 months9–15 mo3.75%
  • 16–30 months16–30 mo3.75%
  • 31–60 months31–60 mo3.25%
  • QualifiedQualified3.75%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where ACT 1st Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join ACT 1st Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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