Act 1st Credit Union Cumberland MD | Convenient ATM Services Only

Introduction

Welcome to Act 1st Federal Credit Union, your trusted financial partner in Cumberland, MD! Located at 11905 Messick Rd SE, our branch has been serving the community since 1950. With a strong commitment to our members and a focus on personalized service, we are proud to support over 12,141 members with their financial needs. At Act 1st, we understand that banking is more than just numbers; it's about building relationships and enhancing lives. Our total assets amount to an impressive $143,373,113, which reflects our stability and dedication to your financial well-being. Whether you're looking for loans or savings options, we offer a comprehensive range of services designed to help you achieve your goals. Currently, our total deposits stand at $12,609,293, showcasing the trust our members place in us. Our leadership team is passionate about supporting our members. Under the guidance of CEO Stephanie Boyd and Board President Shawnee McElfish, we strive to create a welcoming environment where you feel valued and understood. Together with our dedicated staff of 43 employees, we work hard to ensure that your experience with us is smooth and rewarding. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 392, Cumberland, MD 21502-8714. We invite you to explore our website at act1stfcu.org for more information on how we can assist you today. Join us as we continue to grow and make a difference in the community. If you have any questions or would like to learn more about what we offer, don't hesitate to call us at 301-729-8015. We look forward to serving you!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about its members and the community. With our commitment to excellent service and community involvement, Act 1st Federal Credit Union is not just your bank; it's your partner in building a brighter financial future. For more information about membership or to explore our services further, please call us at (301) 729-8015 or visit us online at Act 1st FCU. Together, let's continue making history!

Our Journey

Act 1st began its journey with a handful of dedicated members who sought to create a cooperative banking alternative that prioritizes people over profit. Over the years, we have grown significantly, now boasting over 12,141 members and total assets of $143,373,113. This growth reflects not only our commitment to providing exceptional financial products but also the trust our community places in us. In addition to offering personal savings accounts and loans, we have expanded our services to include online banking and mobile payments. Our digital advancements ensure that managing finances is easier than ever for our members. We are also proud to provide ADA-compliant facilities, ensuring that everyone in our community can access our services comfortably.

Our Mission

At Act 1st, our mission is simple yet impactful: to deliver high-quality financial services while supporting the communities we serve. We believe in giving back through various outreach initiatives and partnerships that uplift local organizations and individuals alike. Whether it's sponsoring local events or providing resources for financial education, we strive to make a positive difference in people's lives. While members can visit us at 11905 Messick Rd Se Cumberland Md 21502, official correspondence should be sent to PO Box 392, Cumberland, MD 21502-8714. Our doors are open Monday through Friday from 9:00 am to 5:00 pm for lobby access and drive-thru banking.

Branch Location & Accessibility

Contact Us

Have questions? Feel free to give us a call at 301-729-8015! Our team is always ready to assist you with your financial needs. We invite you to come visit us at Act 1st and discover how we can help you achieve your financial goals. Whether you're interested in opening an account or exploring loan options, we're here to support you every step of the way!

Convenient Access and Services

At Act 1st Federal Credit Union, we understand the importance of accessibility. Our branch is designed to be welcoming for everyone, featuring ADA-compliant entrances and ample parking spaces to make your visit as smooth as possible. Although we currently do not offer ATM services or a drive-thru option, our lobby hours are perfect for those who prefer face-to-face interactions. We're open Monday through Friday from 9:00 AM to 5:00 PM, ensuring you have plenty of time to stop by during the week.

Member Eligibility

Becoming a member of Act 1st is like joining a caring community that truly values your financial well-being. If you're looking to be part of something special, you'll find that eligibility is welcoming and straightforward. Anyone who lives, works, worships, or attends school in the area can join us at Act 1st located at 11905 Messick Rd Se Cumberland Md 21502. We strive to support our members with a range of financial products and services tailored just for you. Plus, being a member means gaining access to competitive rates and personalized service that feels like family. Ready to take the next step? Opening an account is simple! You can find all the details about membership criteria and how to get started by visiting our website at https://www.act1stfcu.org/perks/. If you have any questions or need assistance, don't hesitate to give us a call at (301) 729-8015. We're here to help you every step of the way as you embark on your journey with us!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $423,178, we continue to drive economic growth by financing new and expanding businesses. These loans can be pivotal for purchasing equipment, upgrading facilities, or managing cash flow all essential elements for keeping your operations running smoothly.

Merchant Services

In addition to loans, we offer merchant services that simplify your payment processes. Imagine being able to accept payments from customers seamlessly whether they prefer credit cards, debit cards, or mobile payments. Our services ensure you get paid quickly and securely, allowing you to focus on what you do best: running your business. Located at 11905 Messick Rd Se Cumberland Md 21502 in Cumberland, MD, we're here to support the local business community. Reach out to us at (301) 729-8015 to learn more about how our commercial services can benefit your business today!

Comprehensive List Of Services

Digital Banking Convenience

In today's world, managing your finances online has become essential. At Act 1st Federal Credit Union, we provide robust online banking features that allow you to handle your accounts from anywhere. From checking balances to making transfers, our user-friendly platform ensures that you have access to your accounts at your fingertips. You can even set up e-statements to keep track of your finances without the clutter of paper. Additionally, our mobile application makes banking on-the-go a breeze. Picture yourself waiting in line or commuting; with our app, you can quickly pay bills or transfer funds right from your smartphone. We also offer mobile payments and person-to-person transfers, making it easier than ever to send money to friends or family when they need it.

Everyday Banking Needs

One of the core services we offer is ATM Services Only. We understand that accessing your money quickly and conveniently is crucial. With our ATM services, you can withdraw cash, check balances, and perform other transactions with ease. Imagine being out and about in Cumberland, and needing cash for a last-minute grocery run; our ATMs make it simple for you to get what you need without hassle.

Personalized Member Support

At Act 1st, we believe that personal service is just as important as technology. Our friendly staff is always ready to assist you with any questions or concerns you may have about our services. Whether you're visiting us in person at our branch or reaching out via phone at (301) 729-8015, we're dedicated to ensuring that your experience is smooth and enjoyable. As part of our mission, we aim to empower our members by providing the tools and resources they need for better financial health. We invite you to explore all that Act 1st Federal Credit Union has to offer. If you're ready to take control of your financial future, visit us at 11905 Messick Rd Se Cumberland Md 21502 or give us a call at (301) 729-8015 today! Your journey toward smart banking starts here at Act 1st!

Digital & Online Banking

At Act 1st, we understand that convenience and security are top priorities for our members. That's why we offer a comprehensive suite of digital and online banking services designed to make managing your finances easy and safe. Whether you're at home or on the go, accessing your accounts has never been simpler. With our online banking platform, available at https://www.act1stfcu.org/, you can enjoy 24/7 access to your accounts. This means you can check balances, transfer funds, and pay bills anytime you need to, without waiting for business hours. Plus, with the option for electronic signature authorization, signing documents is quick and hassle-free. We also provide e-statements, allowing you to view your financial statements electronically. This not only helps you stay organized but is also an environmentally friendly choice! And if you're looking to send money quickly, our person-to-person transfers let you send cash to friends or family in just a few taps. For those who prefer mobile banking, our user-friendly mobile application is available for download. With it, you can manage your accounts right from your smartphone. Our mobile payments feature allows you to make purchases effortlessly no need to carry cash or cards around! All these features come with robust security measures in place, ensuring that your personal information stays protected. You can bank with confidence knowing that Act 1st prioritizes your safety. In summary, with our digital and online banking services, managing your finances is straightforward and secure. Explore all that we have to offer today by visiting https://www.act1stfcu.org/!

Financial Strength

Committed Team

We also take pride in having 41 full-time employees and 2 part-time employees ready to assist you with a knowledgeable and committed team. This dedication ensures that whether you're walking into our branch or calling us at (301) 729-8015, you'll receive the support you need.

Investment in Growth

With $10,211,545 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $2,485 in used auto loans and $110,293,764 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $45,011,186 in share certificates and $7,204,254 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operations reflect our commitment to serving you effectively. The $175,285 generated by our activities highlights our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Our Financial Health

With a net worth of $10,211,545, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 7.12% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Your Trusted Partner

Total Share Accounts stand at 21,753, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Act 1st is your trusted partner. Visit us at 11905 Messick Rd Se Cumberland Md 21502 or call (301) 729-8015 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $45,020,299 in used vehicle loans and $24,360,868 in new vehicle loans already helping members get on the road. Whether it's a brand-new model or a reliable used vehicle, we can help make it happen.

Credit Lines

For those who need flexibility in managing expenses, our total credit lines amount to $38,568,250. This option allows members to access funds as needed without the hassle of applying for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,197,514, make buying or refinancing simple. We're committed to making the process straightforward so you can focus on making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; however, currently, there are no outstanding balances in this category. This product is designed to help you manage your finances effectively when unexpected costs arise. If you're considering refinancing or need assistance with eligibility options for any of our loan products, don't hesitate to reach out. Our friendly staff is available at 301-729-8015 to answer your questions and guide you through the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Act 1st, we're committed to providing you with the best financial solutions suited for your lifestyle. Let us help you take the next step towards achieving your financial goals!

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ACT 1ST FEDERAL CREDIT UNION - Cumberland, MD

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