First Peoples Community Federal Credit Union

Overview / Commentary
153 Baltimore St
Cumberland, MD 21502

First Peoples Community Federal Credit Union is headquartered in CUMBERLAND and is the 15th largest credit union in the state of Maryland. It is also the 679th largest credit union in the nation. It was established in 1959 and as of June of 2023, it had grown to 145 employees and 33,082 members at 20 locations. First Peoples Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in First Peoples Community Federal Credit Union is open to those who live, work, worship, or attend school in Allegany, Garrett, or Washington Counties, Maryland; Bedford, Fulton, or Somerset Counties, Pennsylvania; or Hampshire, Mineral, or Morgan Counties, West Virginia.
See current membership details

Reviews (2)

Very satisfied so far

Posted by: |

First People's has become my new credit union after they bought out the one I was using before. They handled the transfer of accounts very well, with mailers welcoming me as a new customer. I've had some questions about the takeover and every time I call they've been able to answer my questions and any concerns I've had. Their online banking interface works very well and I've been quite happy with the number of branches available to me and their ATM services, which I mainly use after hours. I haven't needed to open a loan or use any other financial instrument but both my checking account and savings accounts transferred from my old credit union with no issues and other people who use First People's have told me that being a member helps when looking at loans.

In-Branch Visit Required To Open Account

Posted by: |

The credit union's website says membership is limited to people who have a connection to certain areas of Maryland, Pennsylvania, or West Virginia; alternately, someone "can join our nonprofit partner association (Planting Roots Foundation) and immediately qualify!" Unfortunately, the website fails to mention that joining the credit union requires an in-person visit to a branch within that small tri-state area.

I spoke on the phone with two customer service representatives. Neither was familiar with the Planting Roots Foundation alternative, but they both knew that joining the credit union required a branch visit.


Health Grade Components

NCUA #13345
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.46%
Annual Interest Income$10.9MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$569.8MM$592.4MM
LoansQ2 2023vs Q2 2022$415.1MM$387.2MM
DepositsQ2 2023vs Q2 2022$499.9MM$514.6MM
Equity CapitalQ2 2023vs Q2 2022$58.7MM$62.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$5.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.6MM$5.1MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for First Peoples Community Federal Credit Union are currently being reviewed.



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.