ACT 1st Federal Credit Union

ACT 1st Federal Credit Union ACT 1st FCU offers unique financial products and services for all ages to achieve financial goals. Federally Insured by the NCUA

ACT 1st Federal Credit Union was formerly Allegany County Teachers Federal Credit Union. The Credit Union was formed in 1950 by pooling funds from several teachers in the Allegany County School system. Today, the Credit Union is community based, and serves all eligible people who live, work, worship, do business in the following counties:

Maryland: Allegany, Garrett. Washington
Pennsylvania: Bedf

ord, Somerset
West Virginia: Mineral, Hampshire

We are an Equal Housing Lender that proudly serves financial needs of many.

🐶📬 Don’t let your paycheck go to the dogs!Skip the paper check and have your paycheck delivered safely and conveniently ...
08/31/2026

🐶📬 Don’t let your paycheck go to the dogs!

Skip the paper check and have your paycheck delivered safely and conveniently with Direct Deposit at ACT 1st! 💵📲

No waiting on the mail. No trip to deposit your check. No worrying about it getting lost—or becoming your pup’s newest chew toy. 😂

Your paycheck. Straight to your account.

Ask us how to get started with Direct Deposit!

08/31/2026

We are experiencing issues with phones at this time. If you cannot reach use via phone, please text us at 301-729-8015 or email [email protected]

We apologize for the issues and are working to restore our phone services as soon as possible.

🚨💼 That dream job could be a scam in disguise.Job offer scams are becoming more convincing, especially when they promise...
08/29/2026

🚨💼 That dream job could be a scam in disguise.

Job offer scams are becoming more convincing, especially when they promise great pay, flexible hours, or work-from-home opportunities.

Before sharing any personal or banking information, STOP and verify the employer and the job offer. 🔎

⚠️ Be cautious if they:
• Ask for your bank account information right away
• Send you a check and ask you to send money back or purchase equipment
• Ask you to pay a fee before you can start
• Pressure you to act quickly
• Conduct the entire hiring process through text or messaging apps

A real opportunity shouldn’t put your money or personal information at risk.

When in doubt, verify before you share! 🔐

🌟💰 Big dreams can start with little savings!Whether she’s dreaming of her first car, college, a special trip—or somethin...
08/28/2026

🌟💰 Big dreams can start with little savings!

Whether she’s dreaming of her first car, college, a special trip—or something completely her own—help her learn that saving today can make tomorrow’s goals possible. 💙

Open a Youth Account with ACT 1st and give your child a place to watch their savings grow while building smart money habits along the way.

✨ Help her dream… and save for it!

Stop by ACT 1st to get started!

🚨 STOP. THINK. VERIFY.Scammers want you to act fast. They may create a sense of urgency, send a suspicious link, or pret...
08/27/2026

🚨 STOP. THINK. VERIFY.

Scammers want you to act fast. They may create a sense of urgency, send a suspicious link, or pretend to be someone you trust—all hoping you’ll react before you have time to think.

Before you click, send money, or share information:

🛑 STOP — Don’t let urgency pressure you.
🤔 THINK — Does something seem off?
✅ VERIFY — Contact the person or business using a phone number or website you already know and trust.

When in doubt, don’t click! Contact ACT 1st directly and let us help. 🔐

☀️💰 Is it time to REFI?Summer isn’t over yet! If you’re paying more interest than you need to on your current loan, refi...
08/26/2026

☀️💰 Is it time to REFI?

Summer isn’t over yet! If you’re paying more interest than you need to on your current loan, refinancing with ACT 1st could help you save—and put a little extra money back into your summer budget. 😎🌴

🚗 Lower your rate
💵 Save on interest
☀️ Keep more money for the things you actually want to do this summer!

Let us crunch the numbers and see if a refinance could save you money!

📱💳 Your card. Your control. Right from your phone!Did you know you can manage your ACT 1st debit card right from our Mob...
08/25/2026

📱💳 Your card. Your control. Right from your phone!

Did you know you can manage your ACT 1st debit card right from our Mobile App?

Whether you misplaced your card, want a little extra peace of mind, or simply want more control over how your card is used, **Card Controls put the power in your hands.** 🙌

🔒 Turn your card on or off
👀 Keep a closer eye on your card activity

Convenience, security, and control—all from your phone!

👀 Look what’s coming to ACT 1st! 🍎Starting September 1st, our NEW contactless Tap debit cards will officially be here!💳 ...
08/24/2026

👀 Look what’s coming to ACT 1st! 🍎

Starting September 1st, our NEW contactless Tap debit cards will officially be here!

💳 Tap. Pay. Go.
⚡ Quick & convenient
🔒 Safe & secure
🍎 And check out those new designs!

Already have an ACT 1st debit card? No worries! There’s nothing you need to do. Your current card will continue to work, and you’ll receive one of our new Tap cards when your existing card expires.

New technology. New look. Same ACT 1st card you know and trust. ❤️💚

🐶😎 No judgment… we just want to know where your money REALLY goes!We all have that one thing our budget seems to have a ...
08/23/2026

🐶😎 No judgment… we just want to know where your money REALLY goes!

We all have that one thing our budget seems to have a soft spot for. 😂

🐾 Our pets
☕ Coffee runs
🍔 Eating out
🛍️ Shopping
🏖️ Vacations
🎮 Hobbies
📦 Those “little” online orders...

Fill in the blank:
💸 Most of my extra money goes to __________.

Drop your answer below! 👇 And yes… pets absolutely count. 🐶😂

✅ UPDATE: Debit Card Service RestoredGood news! Debit card services have been restored and transactions are now processi...
08/22/2026

✅ UPDATE: Debit Card Service Restored

Good news! Debit card services have been restored and transactions are now processing normally. 🎉

We sincerely appreciate your patience and understanding while our card processor worked to resolve the interruption.

Thank you for bearing with us — and, as always, thank you for being a valued ACT 1st FCU member! ❤️🍎

Address

14316 National Highway SW
Cumberland, MD
21502

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 8am - 6pm
Saturday 8am - 1pm

Telephone

+13017298015

Website

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