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First Peoples Community Federal Credit Union

Popular Accounts at this Credit Union

2.00%Reward CheckingeFirst Checking
0.35%6-month CD6 Month Share Certificate
0.75%Money MarketMoney Market Deposit Account

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 641st largest credit union in the nation. It was established in 1959 and as of December of 2017, it had grown to 137 employees and 31,945 members at 16 locations. First Peoples Community Federal Credit Union's money market rates are 70% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Allegany and Garrett Counties, Maryland; Somerset County, Pennsylvania; or Mineral County, West Virginia.
See current membership details

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Reviews (1)

Very satisfied so far

Posted by: Intcattara | Dec 2, 2017

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.


Health Grade Components

NCUA #13345
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD6.08%
Annual Interest Income$14.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$401.7MM$376.9MM
LoansQ4 2017vs Q4 2016$346.3MM$323.3MM
DepositsQ4 2017vs Q4 2016$325.6MM$304.5MM
Equity CapitalQ4 2017vs Q4 2016$49.7MM$46.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.3MM$4.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$5.7MM$5.4MM
Real Estate OwnedQ4 2017vs Q4 2016$2.2MM$1.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Peoples Community Federal Credit Union Savings Account Rates

1.00%$100-Payroll Holiday Account
0.80%*$75k*-Thrift Savings Account
OTHER TIERS: 0.10% $100 - $500 | 0.25% $500 - $5k | 0.45% $5k - $25k | 0.60% $25k - $75k
0.65%$100-IRA Shares
0.10%$100-Regular Shares
0.10%$100-Club Shares
0.10%$100-Secondary Shares
0.10%$100-Christmas Club Shares
0.10%--Star Savers
0.10%--Teen Savers
0.10%$100-Business Share

First Peoples Community Federal Credit Union Money Market Rates

0.75%*$250k*-Money Market Deposit Account
OTHER TIERS: 0.10% $100 - $1k | 0.20% $1k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.50% $50k - $100k | 0.65% $100k - $250k

First Peoples Community Federal Credit Union Checking Account Rates

2.00%*-$25keFirst Checking - Qualifying
OTHER TIERS: 0.10% $25k+
1.10%$100-Non-Profit Checking

First Peoples Community Federal Credit Union CD Rates

2.02%$500-60 Month CD Promotional Rate
1.80%$500-72 Month Share Certificate
1.75%$500-27 Month CD Promotional Rate
1.50%$500-17 Month CD Promotional Rate
1.25%$500-48 Month Share Certificate
1.25%$500-48 Month Step-up CD
1.00%$500-36 Month Share Certificate
0.95%$500-9 Month CD Promotional Rate
0.90%$500-24 Month Share Certificate
0.75%$500-18 Month Share Certificate
0.65%$500-12 Month Share Certificate
0.35%$500-6 Month Share Certificate
0.10%$500-91 Day Share Certificate

First Peoples Community Federal Credit Union IRA Rates

2.02%$500-60 Month IRA Promotional Rate
1.80%$500-72 Month IRA Share Certificate
1.75%$500-27 Month IRA Promotional Rate
1.50%$500-17 Month IRA Promotional Rate
1.25%$500-48 Month IRA Share Certificate
1.25%$500-48 Month Step-up IRA Share Certificate
1.00%$500-36 Month IRA Share Certificate
0.90%$500-24 Month IRA Share Certificate
0.75%$500-18 Month IRA Share Certificate
0.65%$500-12 Month IRA Share Certificate


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