Act 1st Credit Union Romney WV | Reliable ATM Services Only

Introduction

Welcome to Act 1st, your trusted financial partner in Romney, WV. Established in 1950, we have proudly served our community for over seven decades, helping our members achieve their financial goals with personalized service and competitive offerings. With a solid membership base of 12,141 individuals, we are committed to fostering growth and stability within our community. At our branch located at 555 W Main St, Romney, WV 26757, we understand that banking is not just about numbers it's about relationships. Our dedicated team, led by CEO Stephanie Boyd and Board President Shawnee McElfish, is here to provide you with the support you need. Whether you're looking for loans, savings accounts, or financial advice, we're ready to assist you every step of the way. With total assets reaching an impressive $143,373,113, we ensure that your money is safe and sound. Our strong position is further backed by total deposits of $12,609,293 and a net worth of $10,211,545. We are also proud to offer various loan options with a total of 5,673 loans currently extended to our members. While you can visit us at our branch for all your banking needs, any official correspondence should be sent to our mailing address: PO Box 1735, Romney, WV 26757. We invite you to explore what makes Act 1st unique. Our commitment extends beyond banking; it's about being a pillar in the community. If you're interested in becoming a member or simply want more information about our services, don't hesitate to reach out. Call us at 301-729-8015, or visit us online at Act 1st. Join us today and experience the difference that local banking can make!

Branch History & Mission

At Act 1st, our journey began in 1950, right here in the heart of Romney, West Virginia. Over the years, we have grown from a small credit union into a community pillar, serving over 12,000 members with pride and dedication. Our branch is located at 555 W Main St, conveniently positioned near local shops and the beautiful Hampshire County Courthouse, making it easy for members to access our services. Our mission is simple yet powerful: to empower our members by providing exceptional financial services while fostering community support. We believe that everyone deserves access to reliable banking solutions tailored to their needs. With total assets now exceeding $143 million, we have the resources to help you achieve your financial goals. Act 1st has always been committed to being more than just a financial institution; we strive to create lasting relationships with our members and support local initiatives. From sponsoring community events to offering financial literacy programs, we are dedicated to improving the quality of life in Romney and beyond. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to PO Box 1735, Romney, WV 26757. Our doors are open Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 1:00 PM for drive-thru services. Though we currently do not offer ATM services or drive-thru banking at this location, we ensure that all member interactions are welcoming and accommodating. As we embrace digital advancements like online banking and mobile payments, we remain focused on creating customer-centric solutions that meet the evolving needs of our members. Our commitment to accessibility also includes ADA compliance initiatives so that everyone can engage with us effortlessly. We invite you to become part of the Act 1st family. Experience firsthand how we blend financial expertise with heartfelt community support. Join us today and let's build a brighter future together! For more information or assistance, please call us at 301-729-8015 or visit our website at act1stfcu.org.

Branch Location & Accessibility

Welcome to the Act 1st branch located at 555 W Main St in beautiful Romney, West Virginia! Our convenient location makes it easy for you to access our services right in the heart of Hampshire County. Whether you're visiting us after a trip to the local park or stopping by while running errands, we're here to help with all your banking needs. While members can visit us at 555 W Main St, official correspondence should be sent to PO Box 1735, Romney, WV 26757. This ensures your important documents reach us without delay. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking space to ensure that everyone can easily get in and out. We're proud to offer drive-thru banking hours on weekdays from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM, making it convenient for you to handle your banking without leaving your vehicle. At Act 1st, we understand that your time is valuable. That's why our friendly staff is always ready to assist you during our lobby hours from Monday through Friday, also from 9:00 AM to 5:00 PM. Whether you need assistance with setting up online banking or have questions about loans and savings accounts, feel free to call us at 301-729-8015. While we currently do not have ATM services available at this location, our team is more than happy to provide guidance on accessing nearby ATMs or other financial services. We invite you to come by and explore what Act 1st has to offer. Our community-focused approach means we're dedicated to helping you achieve your financial goals. Visit us today and experience personalized service tailored just for you!

Member Eligibility

Joining the Act 1st community is a warm and welcoming experience, designed for individuals who want to be part of something special. If you're looking to become a member at our branch located at 555 W Main St, Romney, WV 26757, you'll be pleased to know that eligibility is straightforward. Generally, we invite anyone who lives, works, worships, or attends school in our local area to join us. It's about building a supportive network where everyone can benefit from our services tailored to your needs. For the most up-to-date details on eligibility requirements, feel free to check out this link. Opening an account with us is just as easy! You can begin your journey toward membership by visiting this page for account opening details. Our friendly team is here to guide you through every step of the process. If you have any questions or need assistance, don't hesitate to reach out at 301-729-8015. We're excited to welcome you into the Act 1st family!

Business Banking & Commercial Services

Commercial 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. Imagine using a commercial loan from Act 1st to purchase new equipment or fund a marketing campaign that attracts more customers. These loans are not just numbers they're the lifeblood of your business's growth.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your payment processes. Think about the ease of accepting payments from customers directly at your store or online. Our merchant services allow you to focus on what you do best running your business while we handle the complexities of transactions. Located at 555 W Main St Romney Wv 26757 in Romney, WV, we're here to provide the financial support you need for success. Let's grow together!

Comprehensive List Of Services

Accessibility and Support

Our friendly team is always ready to assist you with any questions or concerns you may have. You can reach us at 301-729-8015, where one of our knowledgeable staff members will be happy to guide you through any service or feature you need help with. We invite you to visit us during our lobby hours from Monday through Friday, 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. We're here for all of your banking needs and look forward to serving you!

Connect with Us

At Act 1st in Romney, we believe that exceptional service starts with understanding our members' needs. Explore the benefits of membership today by visiting our website at act1stfcu.org. We're excited to help you achieve your financial goals!

Our Services

At Act 1st, we understand that banking should be simple and accessible. That's why we offer ATM Services Only to ensure you can access your funds whenever you need them. Imagine being able to withdraw cash or check your account balance without having to drive across town. With our ATM services, getting what you need is just a quick stop away. In addition to our convenient ATM access, we prioritize digital banking features that make managing your finances easier than ever. With options like online banking and mobile payments, you can stay connected with your accounts from anywhere. Whether you're at home or on the go, keeping track of your finances is just a few taps away. We know that life can get busy, which is why our services are designed for ease and convenience. Need to transfer money to a friend? Use our person-to-person payment service. Want to check your account balance? Simply log into our online banking platform anytime day or night.

Digital & Online Banking

Anytime Access

With our 24/7 online banking services, your financial management is always at your fingertips. Whether it's day or night, managing your accounts has never been easier or more accessible. Join us at Act 1st and experience the convenience of modern banking tailored to fit your lifestyle. Visit https://www.act1stfcu.org/ today to learn more about all the digital services we provide!

Key Features

One of the standout features is our mobile application, which makes banking on-the-go simple and efficient. Whether you're at home or out and about, you can easily access your accounts right from your smartphone. Plus, if you're looking to send money to friends or family quickly, our person-to-person transfers service allows you to do just that without any hassle. We also prioritize your security. With electronic signature authorization, signing documents online is not only convenient but also safe. You can trust that your sensitive information remains protected while you complete transactions digitally. For those who prefer paperless options, we offer e-statements that let you view your account statements electronically, reducing clutter and making it easier to keep track of your finances. And for the busy individuals who love contactless payments, our mobile payments feature ensures that you can make purchases swiftly and securely without needing physical cash or cards.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 21,753, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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.

Commitment to Growth and Innovation

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 capacity to lend is robust; we offer $2,485 in used auto loans and have a total of $110,293,764 in loans and leases available to support your financial goals across various sectors.

Member-Focused Savings Options

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. We ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $175,285, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 41 full-time employees and 2 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Solid 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.

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. We provide flexible terms and competitive rates to make your purchase as affordable as possible.

Credit Lines and Unsecured Loans

In addition to vehicle and mortgage loans, we offer credit lines totaling $38,568,250 to provide ongoing financial flexibility. For those looking for unsecured credit options, we also have a range of unsecured credit card loans available. For business owners seeking growth opportunities, our outstanding commercial loans totaling $423,178 can provide the capital needed for expansion. At Act 1st in Romney, WV (555 W Main St), our dedicated team is ready to assist you with any questions about our loan offerings or eligibility requirements. Feel free to reach out at 301-729-8015 during our lobby hours: Monday to Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Act 1st can support your financial journey today!

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. Whether you're looking to purchase a new property or refinance an existing one, our team is here to guide you through the process.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, guaranteeing transparency in what you can expect. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison reflects true market conditions. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions without unnecessary delays. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and reliable LendMesh has been for individuals seeking better loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to accuracy ensures that the offers you see are fair and transparent. By relying on verified data, LendMesh allows you to compare loans confidently.

ACT 1ST FEDERAL CREDIT UNION - Romney, WV

Compare Loan Rates Near You

Loan rates in Romney, WV (26757)