First Carolina People's Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	5-year CD	60 Month Share Certificate 2.35% - Synchrony Bank 60 Month CD
0.50%	1-year CD	12 Month Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.50%	Savings	Master Shares 1.15% - CIT Bank Spring Savings

View all First Carolina People's Credit Union rates »

Overview / Commentary

www.fcpcu.com

800-452-4021

201 E Ash St
Goldsboro, NC 27530

First Carolina People's Credit Union is headquartered in GOLDSBORO and is the 48^th largest credit union in the state of North Carolina. It is also the 2,948^th largest credit union in the nation. It was established in 1952 and as of March of 2017, it had grown to 11 employees and 2,415 members at 2 locations. First Carolina People's Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Wayne County in North Carolina.
See current membership details

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Health

B

Data as of Q1 2017

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 Chartered	1952
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.27%
Return on Equity - YTD	2.93%
Annual Interest Income	$286.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$29.8MM$29.2MM
Loans	Q1 2017vs Q1 2016	$21.8MM$20.1MM
Deposits	Q1 2017vs Q1 2016	$27.0MM$26.5MM
Equity Capital	Q1 2017vs Q1 2016	$2.7MM$2.7MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$130.00K$172.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$223.00K$849.00K
Real Estate Owned	Q1 2017vs Q1 2016	$75.00K$67.00K

Rates

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Checking
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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

APY	MIN	MAX	ACCOUNT NAME
0.75%	$25	-	IRA Shares
0.50%^*	$10k^*	-	Master Shares
OTHER TIERS: 0.10% → $25 - $10k

First Carolina People's Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$2,500	-	Share Drafts

First Carolina People's Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$5k	-	48 Month Share Certificate
1.51%	$5k	-	60 Month Share Certificate
1.26%	$5k	-	36 Month Share Certificate
1.00%	$5k	-	24 Month Share Certificate
0.50%	$5k	-	12 Month Share Certificate

First Carolina People's Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$5k	-	48 Month IRA Certificate
1.76%	$5k	-	60 Month IRA Certificate
1.26%	$5k	-	36 Month IRA Certificate
1.00%	$5k	-	24 Month IRA Certificate

Locations

First Carolina People's Credit Union Locations
Branch Office	1105 WALNUT ST	CARY, NC 27511
Branch Office	201 E ASH ST	GOLDSBORO, NC 27530