Who Can Join
If you live, work, worship or attend school in any of the following counties listed below or are a family member of a current member, you can join ACT 1st Federal Credit Union. Should you have questions about your eligibility, please call 301-729-8015 or email us and one of our friendly representatives will assist you in determining your membership eligibility. You can also send us a text at 301-729-8015!
Maryland
Allegany, Garrett, and Washington
West Virginia
Hampshire and Mineral
Pennsylvania
Bedford and Somerset
How To Join
Simply download our ACT 1st FCU Advantage Plus Mobile App and submit your application! Rest assured, having the app will be extremely beneficial!
For Androids Users: Download our mobile app on Google Play or for iPhone Users: Download on the App Store. Or apply in-person by visiting 1 of our 3 branch locations.
Why ACT 1st FCU?
At ACT 1st FCU, Our Top Priority Is Always Our Members.
At ACT 1st Federal Credit Union, our volunteer board members make all the operational decisions instead of a corporate office. As a not-for-profit organization, we prioritize exceptional member service above everything else. When you work with ACT 1st FCU, you’ll have the advantage of a personalized experience, financial support, and the added benefit of lower rates. We also have tons of great perks for our valued members to enjoy!
Once You Become a Member, You Will Always Be a Member
Once you become a member, you are a member for life! Even if you move from one of the eligible counties, you will retain your ACT 1st FCU membership rights as long as you maintain a minimum balance of $5.00 in your credit union Savings Account.
Our Services
Savings Accounts
Checking Accounts
Certificates
Auto Loans
Mortgages
Boat, RV and ATV Loans
Home Equity Loans
Personal Loans
Credit Cards
Notary Services
Travel & Gift Cards
Courtesy Pay
E-Statements
Free Online Advantage Plus Banking
Free Online Bill Pay
Free Mobile Deposits
CardValet©
Automated Teller
GreenPath Financial Services
Trustage Insurance
And so much more!
What You Will Need To Open Your Account
What You’ll Need To Apply for Membership Through The App
∙ Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
∙ A digital photo of your current, unexpired state-issued driver’s license, state-issued ID or passport with your current address.
∙ Proof of address is needed if it’s different than the address listed on your ID. Proof of address can be on a statement from another financial, utility bill, government document, etc.
∙ A $5 minimum deposit to open your Share Savings.
If one of these situations apply to you, please visit any ACT 1st Federal Credit Union branch to apply for membership:
∙ You are under the age of 18.
∙ You are opening a fiduciary account. (Fiduciary accounts include trust accounts, custodial accounts, guardianship accounts, representative payee accounts, funeral trust accounts, estate accounts and Coverdell Education Savings (ESA) Accounts.)
∙ You want to open a business account.
What You’ll Need To Apply for Membership In-Person
∙ Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
∙ A current, unexpired U.S. government-issued photo ID (e.g., driver’s license, passport, state or military ID) with your current address.
∙ Proof of address is needed if it’s different than the address listed on your ID. Proof of address can be on a statement from another financial, utility bill, government document, etc.
∙ A $5 minimum deposit to open your Prime Share Savings.
∙ If you are under the age of 18, you will need a state-issued ID, passport, or current school ID and address verification from a parent or guardian.
