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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 46th largest credit union in the state of North Carolina. It is also the 2,978th largest credit union in the nation. It was established in 1952 and as of March of 2021, it had grown to 8 employees and 2,341 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 Johnston, Wake or Wayne Counties.
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Health
C

Data as of Q1 2021

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
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD1.98%
Annual Interest Income$306.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$32.3MM$30.3MM
LoansQ1 2021vs Q1 2020$23.2MM$24.5MM
DepositsQ1 2021vs Q1 2020$29.1MM$27.2MM
Equity CapitalQ1 2021vs Q1 2020$2.8MM$2.8MM
Loan Loss AllowanceQ1 2021vs Q1 2020$200.00K$223.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.0MM$617.00K
Real Estate OwnedQ1 2021vs Q1 2020$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
0.40%--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
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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