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First Carolina People's Credit Union


Overview / Commentary
www.fcpcu.com
919-736-0885
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 2,881st largest credit union in the nation. It was established in 1952 and as of June of 2023, it had grown to 7 employees and 2,279 members at 1 location. 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 the North Carolina counties of Johnston, Wake or Wayne.
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Health
C+

Data as of Q2 2023

Learn why bank health matters
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

Overall
NCUA #62673
Year Chartered1952
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD13.54%
Annual Interest Income$835.00K
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$33.2MM$33.8MM
LoansQ2 2023vs Q2 2022$25.5MM$22.3MM
DepositsQ2 2023vs Q2 2022$29.8MM$30.7MM
Equity CapitalQ2 2023vs Q2 2022$3.1MM$2.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$232.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$369.00K$764.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--IRA Shares
0.10%*$10k*-Master Shares
OTHER TIERS: 0.08% → $25 - $10k

First Carolina People's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Share Drafts

First Carolina People's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.39%$5k-22 Month Share Certificate Special
3.35%$5k-15 Month Share Certificate Special
1.51%$5k-60 Month Share Certificate
1.35%$5k-48 Month Share Certificate
1.25%$5k-36 Month Share Certificate
1.00%$5k-24 Month Share Certificate
0.75%$5k-12 Month Share Certificate

First Carolina People's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$5k-24 Month IRA Certificate
0.65%$5k-48 Month IRA Certificate
0.65%$5k-60 Month IRA Certificate
0.60%$5k-36 Month IRA Certificate
Locations


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

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