Loan Application


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  • Your credit union offers many types of loans. All loans that are granted will be based, in part, upon the ability to repay as evidenced by a defined and documented repayment schedule. We currently use a Risk-Based Lending Policy where the member’s past credit history is the determining factor in the loan rate provided.
  • It is the goal of the ACT 1st FCU to allow you to purchase goods and services now and pay for them over a specified period of time.  All member loans will be reported to the credit bureau on a monthly basis.


Think you know your credit history?  As you know, your credit history is EXTREMELY important. It can have an impact on qualifying for a loan, making an important purchase, or getting a great job.  So, why not stay ahead of the game and review your credit history on an annual basis?

There are three credit bureaus you can call to request a copy of your credit report.  Information can vary from one bureau to another, so it is best to get a report from all three. There is a small fee for each report requested; however, Maryland residents are entitled to a free copy of their credit report once every twelve months. Toll free numbers include:

EQUIFAX – 888.766.0008

EXPERIAN – 888.397.3742

TRANS UNION – 800.916.8800

Looking for a way to be more involved in the decisions and direction of your credit union? Consider volunteering on our board of directors! Click here to read the terms and conditions and apply!