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Act 1st Credit Union Share
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Overview Share
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Act 1st Credit Union is a federal credit union based in Lavale, Maryland. It has been opened since 1950, for 72 years.

With around $116,190,000 in assets, Act 1st Credit Union is considered to be a large credit union. It has 4 branches and 3 ATM locations.

About Share
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Address 14316 National Highway SW
Lavale, Maryland 21502
Website https://www.act1stfcu.org
Phone (301) 729-8015
Fax (301) 729-2147
CEO Christie L. Clark
President of the Board Shawnee Mcelfish
Services Offered
Score Card Share
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72 years
Years in business
Opened in 1950
Well Capitalized
Net worth classification
Source: NCUA
11,061 members
Membership type: Multiple common bond – primary educational
Above average number of members
291:1
Credit union member to staff ratio
291 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$116,191,509
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 3 in Maryland
Above average number of branches
0.35%
Savings interest rate
Compared to 0.3% nationally
9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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4 branches
Compared with an average of 4 nationally and 3 in Maryland
Above average number of branches
Act 1st Credit Union Branch Locations

Act 1st Federal Credit Union
11905 Messick Road SE
Cumberland, Maryland 21502
No ATM
Act 1st Federal Credit Union
11905 Messick Road SE
Cumberland, Maryland 21502
ATM Available
Act 1st Federal Credit Union
14316 National Highway SW
Lavale, Maryland 21502
ATM Available
Act 1st Federal Credit Union
204 S. Lee Street
Cumberland, Maryland 21502
No ATM
Members Share
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11,061 members
Membership type: Multiple common bond – primary educational
Above average number of members

With 11,061 members, the Act 1st Credit Union is considered to be a large credit union. It is larger than 72% of credit unions.

Fees Share
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$40
Average fee per member
The average fee per member at the Act 1st Credit Union is $40, which is comparable to most credit unions. This rate is lower than 56% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Act 1st Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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291:1
Credit union member to staff ratio
291 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
38 staff members
FTE (full-time equivalent)
0% of employees are part-time
38 full-time, 0 part-time

Act 1st Credit Union has 38 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Act 1st Credit Union has around 291 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$116,191,509
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$13,474
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 73% of credit unions.

Act 1st Credit Union holds a total of $94,820,000 in loans and leases, which is about $13,474 per member on average.

Savings interest rate Share
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0.35%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Act 1st Credit Union pays 0.35%.

Loan rates Share
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9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.69%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.89%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.99%
New car loan rate
Compared to 4.0% nationally
4.49%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.89%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.12%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
7.50%
Other real estate loan rates
Compared to 0.9% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Act 1st Federal Credit Union
Credit Union Branch: 11905 Messick Road SE
Cumberland, Maryland 21502 ATM Available
Act 1st Federal Credit Union
Credit Union Branch: 11905 Messick Road SE
Cumberland, Maryland 21502 No ATM
Act 1st Federal Credit Union ATM
Credit Union ATM: 14316 National Highway SW
Lavale, Maryland 21502
Act 1st Credit Union
Credit Union: Well Capitalized Lavale, Maryland 11061.0 $116 million Well Capitalized
Act 1st Federal Credit Union
Credit Union Branch: 14316 National Highway SW
Lavale, Maryland 21502 ATM Available
Act 1st Federal Credit Union ATM
Credit Union ATM: 11905 Messick Road SE
Cumberland, Maryland 21502
Vibe Credit Union: Canton ATM
Credit Union ATM: 12401 Willowbrook Road
Cumberland, Maryland 21502
Act 1st Federal Credit Union
Credit Union Branch: 204 S. Lee Street
Cumberland, Maryland 21502 No ATM
Partners 1st Credit Union: Partners 1st Federal Credit Union, Br 95
Credit Union Branch: 5020 Riviera Court
Fort Wayne, Indiana 46825 ATM Available