Membership Eligibility

How To Join

Apply through our mobile app or stop by one of our locations to open a credit union savings account, one of our friendly Member Service Representatives will be delighted to help you with the process. A $5.00 minimum deposit in your Primary Savings account is considered a member’s share in the Credit Union. This opens the door to our full array of products and services.

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.

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.

Allegany, Garrett, and Washington

West Virginia
Hampshire and Mineral

Bedford and Somerset

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.

Our Services

Savings Accounts
Checking Accounts
Auto Loans
Boat, RV and ATV Loans
Home Equity Loans
Personal Loans
Credit Cards
Notary Services

Travel & Gift Cards
Courtesy Pay
Free Online Advantage Plus Banking
Free Online Bill Pay
Free Mobile Deposits
Automated Teller
GreenPath Financial Services
Trustage Insurance
And so much more!

Be sure to take a look at our Share Certificate rates in order to boost your savings with confidence and a sense of security! Click here to see current rates