ACT 1st Federal Credit Union Mortgage Rates
ACT 1st Federal Credit Union currently offers a 30-year fixed mortgage at 7.100% APR, 0.52 points above the national average. ACT 1st Federal Credit Union publishes rates for 6 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.00% | 7.10% | 0.00 |
| 15-Year Fixed | 7.25% | 7.41% | 0.00 |
| 20-Year Fixed | 6.00% | 6.21% | 0.00 |
| 5/5 ARM | 5.75% | 6.76% | 1.00 |
| FHA 30-Year | 6.00% | 6.69% | 0.00 |
| VA 30-Year | 6.25% | 6.41% | 0.00 |
ACT 1st Federal Credit Union Eligibility
Live, work, worship, or attend school in Allegany, Garrett, or Washington Counties MD; Bedford or Somerset Counties PA; or Hampshire or Mineral Counties WV. Family members of current members also qualify.
Openness: exclusive
