First Carolina People's Credit Union

Overview / Commentary
201 E Ash St
Goldsboro, NC 27530

First Carolina People's Credit Union is headquartered in GOLDSBORO and is the 44th largest credit union in the state of North Carolina. It is also the 2,896th largest credit union in the nation. It was established in 1952 and as of December of 2020, it had grown to 8 employees and 2,362 members at 2 locations. First Carolina People's Credit Union has a C health rating.

Field of Membership Restrictions

First Carolina People's Credit Union offers membership to businesses and people who live, work, worship, or attend school in Johnston, Wake or Wayne Counties.
See current membership details

Related Posts

IRA Rates: 60Mo @ 2.02%; 48Mo @1.76%- Membership Not Just Local - 7/3/2020

Since First Carolina has several very competitive IRA CDs, I wanted to mention that you can qualify for membership through more than just Location (Live, Work, Worship, School in WAKE, JOHNSON & WAYNE COUNTIES, NC). Also qualifying for membership: ALL PAST & PRESENT EMPLOYEES (and their FAMILY MEMBERS) of: - the US Postal Service, -multiple colleges/universities with NC locations, - multiple Baptist afilliated organizations. Don't know how the CU has you establish past employment or family relationship . But the CU clearly wanted to broaden their field of prospective members. I'm not a member, but may join due to the dearth of other IRA CD opportunities. I have used the local FCPCU branch for Shared Branch services for another CU, and their were very professional.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Carolina People's Credit Union has a low asset base.

Health Grade Components

NCUA #62673
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD1.39%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$33.0MM$28.9MM
LoansQ4 2020vs Q4 2019$23.7MM$24.3MM
DepositsQ4 2020vs Q4 2019$29.9MM$25.9MM
Equity CapitalQ4 2020vs Q4 2019$2.8MM$2.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$206.00K$261.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.5MM$637.00K
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Carolina People's Credit Union Savings Account Rates

0.40%--IRA Shares
0.10%*$10k*-Master Shares
OTHER TIERS: 0.08% $25 - $10k

First Carolina People's Credit Union Checking Account Rates

0.05%$2.5k-Share Drafts

First Carolina People's Credit Union CD Rates

0.50%$5k-60 Month Share Certificate
0.45%$5k-36 Month Share Certificate
0.45%$5k-48 Month Share Certificate
0.35%$5k-24 Month Share Certificate
0.30%$5k-12 Month Share Certificate

First Carolina People's Credit Union IRA Rates

0.65%$5k-48 Month IRA Certificate
0.65%$5k-60 Month IRA Certificate
0.60%$5k-36 Month IRA Certificate
0.50%$5k-24 Month IRA Certificate

First Carolina People's Credit Union Locations
Branch Office1105 WALNUT STCARY, NC 27511
Branch Office201 E ASH STGOLDSBORO, NC 27530

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