Act 1st Credit Union Romney WV | Best Auto Loans & Personal Banking

Introduction

Welcome to Act 1st Federal Credit Union, where we prioritize your financial well-being and community spirit. Located at 555 W Main St, Romney, WV 26757, our doors have been open since 1950, serving our valued members with dedication and care. With a strong foundation built on trust, we proudly support 12,141 members and manage total assets of $143,373,113. At Act 1st, we believe in the power of community. Our commitment extends beyond just numbers; it's about fostering relationships and creating opportunities for everyone we serve. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, our team is here to guide you every step of the way. While you can visit us at our branch location, please note that official correspondence should be directed to our mailing address at PO Box 1735, Romney, WV 26757. Our leadership team is dedicated to ensuring that your experience with us is both positive and rewarding. Under the guidance of CEO Stephanie Boyd and Board President Shawnee McElfish, we continue to enhance our services and adapt to your needs. With total loans amounting to 5673 and deposits reaching $12,609,293, we are committed to providing financial solutions tailored just for you. Additionally, we maintain a net worth of $10,211,545, reflecting our stability and reliability as a trusted financial partner. We invite you to connect with us today! Feel free to call us at 301-729-8015 or visit our website at act1stfcu.org for more information on how we can assist you in achieving your financial goals. Join us in building a brighter future together!

Branch History & Mission

At Act 1st Federal Credit Union, we take pride in our rich history and unwavering commitment to the community of Romney, West Virginia. Founded in 1950, our branch has been a cornerstone for financial services in this vibrant town. Over the years, we have grown alongside our members, adapting to their needs and evolving into a trusted partner for personal and business banking. Located at 555 W Main St, our branch is easily accessible for all residents and visitors. With nearby landmarks such as the Hampshire County Courthouse and Romney City Park, we are perfectly situated to serve you. Our mission is simple yet impactful: to provide our members with quality financial services while fostering a sense of community and support. As of now, we proudly serve over 12,000 members and manage total assets of approximately $143 million. This growth reflects not only our dedication to sound financial practices but also the trust our community places in us. We believe that everyone deserves access to financial resources that empower them, whether it's through personal checking accounts, auto loans, or business financing. Our operating hours are designed with your convenience in mind. The lobby is open Monday through Friday from 9:00 AM to 5:00 PM, while our drive-thru service offers extended hours on Saturdays from 9:00 AM to 1:00 PM. Additionally, we provide ATM services for easy access to your funds whenever you need them. Act 1st Federal Credit Union is more than just a financial institution; we are committed to making a positive impact in our local community through various outreach programs and partnerships. From sponsoring local events to supporting educational initiatives, we strive to give back and help those around us thrive. While members can visit us at 555 W Main St Romney Wv 26757, official correspondence should be sent to PO Box 1735, Romney, WV 26757. If you have any questions or would like more information about becoming a member, feel free to reach out at 301-729-8015. Join us at Act 1st Federal Credit Union and experience firsthand the benefits of being part of a community-focused credit union that puts its members first! We look forward to welcoming you into our family!

Branch Location & Accessibility

Convenient Access

At Act 1st, we understand that accessibility is key. Our branch is designed with your comfort in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us without hassle. You'll find ample parking right outside our doors, allowing for a stress-free experience when you arrive.

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at 301-729-8015. We invite you to stop by and see how we can help you achieve your financial goals today!

Operating Hours

We are here for you during the week! Our lobby hours run from Monday to Friday, opening at 9:00 am and closing at 5:00 pm. For those who prefer using our drive-thru service, we also offer Saturday hours from 9:00 am to 1:00 pm, making it easy to fit banking into your busy schedule.

Services Offered

Act 1st Federal Credit Union provides a variety of services to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? We have an ATM available for quick withdrawals and balance checks right on-site. Plus, our drive-thru banking allows for convenient deposits and withdrawals without leaving your vehicle. While members can visit us at 555 W Main St for all their banking needs, please note that official correspondence should be sent to our mailing address at PO Box 1735, Romney, WV 26757.

Member Eligibility

Joining the Act 1st community is an exciting step toward better financial health and support. If you're wondering whether you qualify, we're here to help! Membership is open to anyone living, working, or attending school in the area. Plus, if you have family members who are already part of our credit union, that opens up membership for you as well! This means you'll gain access to our range of services designed to empower your financial journey, from personalized banking solutions to competitive loan options. For detailed eligibility criteria, feel free to check out this page. Becoming a member at Act 1st is simple and straightforward. All it takes is a few minutes to get started just visit us at 555 W Main St Romney Wv 26757 or give us a call at (301) 729-8015 for guidance on opening an account. We're excited to welcome you into our family and support you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Managing transactions smoothly is key to any successful venture. Our merchant services offer practical benefits that allow you to focus on what you do best running your business. Imagine having the ability to accept payments easily from customers whether they're shopping in-store or online, giving you more time to grow your customer base. At Act 1st, we're not just about transactions; we're about building lasting partnerships with local businesses. Visit us at 555 W Main St Romney Wv 26757 or call us at (301) 729-8015 to discover how we can help your business thrive!

Tailored 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. These loans can help you purchase new equipment, expand your facilities, or manage day-to-day expenses more effectively. - With an outstanding commercial loan portfolio of $423,178, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

With an ATM available at our branch, cash withdrawals and balance checks are quick and easy. Additionally, our drive-thru service allows for basic transactions such as deposits and withdrawals without leaving your car perfect for busy days when you're on the go.

Business Banking

For entrepreneurs and small business owners, we understand the unique financial demands you face. That's why we offer business banking services, including merchant services and business loans. Our goal is to support your business growth so you can focus on what you do best.

Credit Cards

Our credit cards come with rewards that allow you to earn points while making everyday purchases. They're perfect for those who want flexibility in their spending without sacrificing benefits.

Digital Banking Features

We know that convenience is key in today's fast-paced world. Our digital banking features include online banking access, mobile payments, electronic statements, and person-to-person payment options. All these tools work together to give you control over your finances right from your smartphone or computer. At Act 1st, we're here to support all your financial needs. Whether you're looking for personal banking solutions or business services, we're committed to helping you succeed financially. If you'd like to learn more about how we can assist you or if you're ready to get started with any of our services, don't hesitate to reach out! Call us today at (301) 729-8015 or visit us at our branch located at 555 W Main St Romney Wv 26757 in Romney, WV. Your journey towards better financial health starts here!

Loans and Financing

If you're considering purchasing a vehicle or need funds for other personal projects, our auto loans and vehicle financing options can help you hit the road without breaking the bank. For those looking to buy a home, our mortgage loans and refinancing services make the process smooth and straightforward, with competitive rates that fit your budget. We also provide personal loans for debt consolidation or unexpected expenses, ensuring you have the support needed when life throws challenges your way.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed for every lifestyle. Whether you're saving for a big purchase or managing daily expenses, our accounts come with features that help you stay organized and informed. With online and mobile banking options, accessing your money is simple and convenient, allowing you to manage your finances from anywhere.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can sign documents securely from the comfort of your home, saving time and hassle. Plus, with e-statements available, you can easily access and manage your account statements electronically good for the environment and great for keeping track of your finances! For those who prefer mobile banking, our mobile application offers all the same features as our online banking platform right at your fingertips. You can even make mobile payments with ease! Whether it's splitting a dinner bill through person-to-person transfers or paying for groceries on the go, managing your money has never been more straightforward.

Security You Can Trust

At Act 1st, we prioritize your safety. Our digital banking tools are equipped with advanced security measures to protect your personal information. You can bank with confidence knowing that we have taken steps to keep your data secure. In summary, Act 1st's digital and online banking services provide an accessible and user-friendly way to manage your finances effectively. With features like electronic signatures, e-statements, and mobile payments, you'll find everything you need right at your fingertips. Explore our offerings today at https://www.act1stfcu.org/ and discover how we can help simplify your banking experience!

Financial Strength

Community Trust

We currently serve 21,753 total share accounts, showcasing a strong and growing member base that trusts us with their finances. This community trust reinforces our commitment to providing the best possible service to every member who walks through our doors. 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 555 W Main St Romney Wv 26757 or call (301) 729-8015 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports your financial goals across various sectors. We have $2,485 in used auto loans and a total of $110,293,764 in loans and leases available. This means we're ready to assist you whether you're looking to buy a vehicle or need support for other personal or business financing needs.

Member Savings

Your savings are secure with us 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 efficient operations are reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, with 41 full-time employees and 2 part-time employees, our branches are always ready to serve you with a knowledgeable, committed team.

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 $712 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have facilitated over $45,020,299 in used vehicle loans and $24,360,868 in new vehicle loans already helping members get on the road. Whether you're interested in a new or used vehicle, our financing solutions provide competitive rates and flexible terms to make your purchase easier.

Business Loans

For business owners, our outstanding commercial loans totaling $423,178 provide the capital needed to grow and expand. We understand that businesses require tailored financial solutions to succeed; our commercial lending options are designed with this in mind. If you're considering refinancing any of your existing loans or exploring eligibility options for our products, we're here to help! Reach out to us at 301-729-8015 for more information or visit us at our branch located at 555 W Main St Romney WV 26757. 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 possible service and financial products that cater to your needs. Explore our loan offerings today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $2,197,514. Our team is ready to guide you through every step of the process, ensuring you find the right mortgage solution for your unique situation.

Personal Financing

For those looking for flexibility in managing finances, we also offer unsecured credit card loans. With current total unsecured credit card loans at $0, we focus on providing alternatives to help members manage their budgets effectively.

Loan Aggregator

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