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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 45th largest credit union in the state of North Carolina. It is also the 2,885th largest credit union in the nation. It was established in 1952 and as of March of 2020, it had grown to 11 employees and 2,354 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 work, worship, attend school or lives in Johnston County, Wake County and Wayne Countyand, North Carolina,
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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Health
C+

Data as of Q1 2020

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
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD10.12%
Annual Interest Income$346.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$30.3MM$28.5MM
LoansQ1 2020vs Q1 2019$24.5MM$23.5MM
DepositsQ1 2020vs Q1 2019$27.2MM$25.5MM
Equity CapitalQ1 2020vs Q1 2019$2.8MM$2.8MM
Loan Loss AllowanceQ1 2020vs Q1 2019$223.00K$196.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$617.00K$467.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

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

  |  
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.
5

Rates
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Always verify rates and promotions with the bank or credit union. We are not First Carolina People's Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.25%*$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
0.85%$5k-48 Month Share Certificate
0.85%$5k-60 Month Share Certificate
0.80%$5k-36 Month Share Certificate
0.70%$5k-24 Month Share Certificate
0.65%$5k-12 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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