ACT 1st FCU is Federally Insured by NCUA and an Equal Housing Lender. We do business in accordance with the Fair Housing and Equal Credit Opportunity Act. NMLS #654273 APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. *APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed. We may provide links to third party websites. The Credit Union has no control over any other website and is not responsible for the content, accessibility or security of any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.