Credit union · NCUA insured
ACT 1st Federal Credit Union Savings Rates
ACT 1st Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Maker Money Market. Rates checked October 22, 2026.
How ACT 1st Federal Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Maker Money Market
Top rate
Dollar Bank
3.75%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
First Peoples Community Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
ACT 1st Federal Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.25%
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.
Where ACT 1st Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Maker Money Market
0.25%APY
Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee avoided by maintaining an average daily balance of at least $2,500.00. Membership requires opening a savings account with a minimum deposit of $5.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $15,000Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.25% | $25 | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
| $15,000 – $30,000Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.30% | — | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
| $30,000 – $75,000Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.35% | — | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
| $75,000 – $150,000Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.40% | — | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
| $150,000 – $250,000Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.45% | — | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
| $250,000 – $500,000Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.75% | — | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
| $500,000 and upMust have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. | 0.95% | — | Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00. |
Sources (1)
- act1stfcu.org/loans/rates · captured Oct 4, 2026
Regular Share Savings
0.05%APY
Upon meeting eligibility requirements, membership requires opening a savings account with a minimum deposit of $5.00. Dividends are calculated on the average daily balance and compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upApplies to balances of $5.00 and greater.$5 and up | 0.05% | $5 | Applies to balances of $5.00 and greater. |
Special-purpose accounts
Individual Retirement Account (IRA)
2.27%APY
Includes Traditional IRA and Roth IRA savings accounts. Membership requires opening a savings account with a minimum deposit of $5.00. Tax rules, contribution limits, and early withdrawal penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies to balances $.01 – <$100,000. | 2.27% | $227 | Applies to balances $.01 – <$100,000. |
| $100,000 – $200,000Applies to balances $100,000 – <$200,000. | 2.53% | — | Applies to balances $100,000 – <$200,000. |
| $200,000 and upApplies to balances $200,000 and Greater. | 3.04% | — | Applies to balances $200,000 and Greater. |
Christmas Club Account
0.20%APY
Funds are automatically transferred to a main checking or traditional savings account by October 1st of each year. Regular deposits made via Direct Deposit or Payroll Deduction. A fee is assessed for early withdrawal. Dividends are compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $5.00 minimum deposit on the rate schedule. (Page n46 notes no minimum balance or deposit required to maintain).Any balance | 0.20% | $20 | Requires a $5.00 minimum deposit on the rate schedule. (Page n46 notes no minimum balance or deposit required to maintain). |
Sources (3)
All captured Oct 4, 2026
Summer Savings Account
0.20%APY
Designed for educators and school employees on a 10-month payroll. Funds are set aside automatically from paychecks; distributions occur twice in July and twice in August. Early withdrawals are subject to a fee and funds cannot be taken out at other times. Summer Savings funds are not included in the share insurance evaluation.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $5.00 minimum deposit per rate schedule.Any balance | 0.20% | $20 | Requires a $5.00 minimum deposit per rate schedule. |
Sources (3)
All captured Oct 4, 2026
Vacation Club Account
0.20%APY
Funds set aside via Direct Deposit or Payroll Deduction are automatically transferred to a primary account by June 1st of each year. Dividends are compounded and posted monthly. A fee is assessed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $5.00 minimum deposit on the rate schedule. (Page n46 notes no minimum balance or deposit required).Any balance | 0.20% | $20 | Requires a $5.00 minimum deposit on the rate schedule. (Page n46 notes no minimum balance or deposit required). |
Sources (3)
All captured Oct 4, 2026
Youth Share Savings
0.05%APY
Available to eligible children 10 years of age or younger. Individuals under 18 must have a parent or guardian as a joint owner. Dividends are calculated on the average daily balance and compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires a $5.00 minimum deposit to open an account and earn the advertised APY.Any balance | 0.05% | $5 | Requires a $5.00 minimum deposit to open an account and earn the advertised APY. |
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.