Privacy Policy

Membership and Account Agreement

Funds Availability Policy Disclosure

Truth In Savings – Share Certificates

Truth In Savings – Share And Share Draft

Electronic Fund Transfers Agreement And Disclosure

NCUA Share Insurance

The credit union’s federal insurance fund receives top marks from deposit insurance experts as the healthiest of the federal financial institution insurance funds. NCUSIF, which the National Credit Union Administration (NCUA) administers, insures most accounts up to a $250,000.00 federal limit. This $250,000.00 share insurance coverage is now permanent.

For more information about NCUA insurance coverage of transaction accounts, visit http://www.ncua.gov.

For member-owners of ACT 1st Federal Credit Union, this applies to your money on deposit at the Credit Union. If you have any questions, please contact a credit union representative at 301-729-8015.


ACT 1st Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 301-729-8015. Any product and/or service made available on this website is also available at an ACT 1st Federal Credit Union location.

USA Patriot Act

On September 11, 2001, our lives changed forever when our country was attacked.  In an effort to protect you and our country, President Bush signed the USA Patriot Act into law on October 26, 2001.


Section 326 of the USA Patriot act says we must:

  • Verify the identity of any person seeking to open a new account.
  • Maintain records of the information used verify the person’s identity including name, address and other identifying means.

ACT 1st FCU will follow this law by obtaining picture identification and verifying other information given by the member.  In some cases, identification will be requested for those who obtained membership with ACT 1st FCU prior to October 26, 2002, because original documentation was not obtained with the opening of the account.  In all cases, protection of our member’s identity and confidentiality is the Credit Union’s pledge to you.


Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account for a covered Legal Entity. New rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number and identification documents) for:

  • Each individual that has beneficial ownership (25% or more) in the Legal Entity; and,
  • One individual that has significant managerial responsibility for the Legal Entity.

We proudly support all efforts to protect and maintain the security of our members and our country.

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