First Carolina People's Credit Union


Overview / Commentary
919-736-0885
201 E Ash St
Goldsboro, NC 27530

First Carolina People's Credit Union is headquartered in GOLDSBORO and is the 47th largest credit union in the state of North Carolina. It is also the 2,973rd largest credit union in the nation. It was established in 1952 and as of June of 2019, it had grown to 10 employees and 2,331 members at 2 locations. First Carolina People's Credit Union's CD rates are 2X the national average, but it has a C health rating.

Field of Membership Restrictions

First Carolina People's Credit Union offers membership to businesses and people who work, worship, attend school or lives in Johnston County, Wake County and Wayne Countyand, North Carolina,
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Health
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
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD6.75%
Annual Interest Income$689.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$28.1MM$29.2MM
LoansQ2 2019vs Q2 2018$23.8MM$23.0MM
DepositsQ2 2019vs Q2 2018$25.0MM$26.2MM
Equity CapitalQ2 2019vs Q2 2018$2.8MM$2.9MM
Loan Loss AllowanceQ2 2019vs Q2 2018$207.00K$156.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$646.00K$538.00K
Real Estate OwnedQ2 2019vs Q2 2018$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
0.75%--IRA Shares
0.50%*$10k*-Master Shares
OTHER TIERS: 0.10% $25 - $10k

First Carolina People's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Share Drafts

First Carolina People's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.58%$5k-36 Month Share Certificate
2.32%$5k-24 Month Share Certificate
2.06%$5k-12 Month Share Certificate
1.76%$5k-60 Month Share Certificate
1.51%$5k-48 Month Share Certificate

First Carolina People's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$5k-60 Month IRA Certificate
1.76%$5k-48 Month IRA Certificate
1.51%$5k-36 Month IRA Certificate
1.00%$5k-24 Month IRA Certificate
Locations


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

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