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First Peoples Community Federal Credit Union


Overview / Commentary
www.firstpeoples.com
301-784-3000
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 671st largest credit union in the nation. It was established in 1959 and as of June of 2024, it had grown to 146 employees and 33,625 members at 20 locations. First Peoples Community Federal Credit Union's savings rates are 5X the national average, and it has an A 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

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Reviews (1)

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.

2


Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #13345
Year Chartered1959
Employees146
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD6.77%
Annual Interest Income$12.9MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$596.2MM$569.8MM
LoansQ2 2024vs Q2 2023$453.8MM$415.1MM
DepositsQ2 2024vs Q2 2023$512.2MM$499.9MM
Equity CapitalQ2 2024vs Q2 2023$69.5MM$58.7MM
Loan Loss AllowanceQ2 2024vs Q2 2023$5.5MM$5.3MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$3.5MM$1.6MM
Real Estate OwnedQ2 2024vs Q2 2023$50K$50K
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Peoples Community Federal 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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First Peoples Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*†$250k*-Thrift Savings Account
OTHER TIERS: 0.10% → $100 - $500 | 0.75% → $500 - $5k | 1.50% → $5k - $25k | 1.75% → $25k - $75k | 2.00% → $75k - $150k | 2.25% → $150k - $250k
1.25%†$5-Star Savers
1.25%†$5-Teen Savers
1.00%†$100-Payroll Holiday Account
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%†$100-Business Share

First Peoples Community Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%*†$250k*-Money Market Deposit Account
OTHER TIERS: 0.10% → $100 - $1k | 0.50% → $1k - $10k | 0.60% → $10k - $25k | 0.80% → $25k - $50k | 1.00% → $50k - $100k | 1.35% → $100k - $250k

First Peoples Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*†$0$25keFirst Checking - Qualifying
OTHER TIERS: 0.10% → $25k+
1.10%†$100-Non-Profit Checking

First Peoples Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%†$500-6 Month Share Certificate
4.50%†$500-6 Month HSA Share Certificate
4.25%†$500-12 Month Share Certificate
4.25%†$500-12 Month HSA Share Certificate
4.00%†$500-72 Month Share Certificate
4.00%†$500-18 Month Share Certificate
4.00%†$500-18 Month HSA Share Certificate
4.00%†$500-72 Month HSA Share Certificate
3.75%†$500-24 Month Share Certificate
3.75%†$500-60 Month Share Certificate
3.75%†$500-24 Month HSA Share Certificate
3.75%†$500-60 Month HSA Share Certificate
3.50%†$500-48 Month Share Certificate
3.50%†$500-48 Month HSA Share Certificate
3.25%†$500-36 Month Share Certificate
3.25%†$500-36 Month HSA Share Certificate
1.00%†$500-91 Day Share Certificate
1.00%†$500-91 Day HSA Share Certificate

First Peoples Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%†$500-12 Month IRA Share Certificate
4.00%†$500-18 Month IRA Share Certificate
4.00%†$500-72 Month IRA Share Certificate
3.75%†$500-24 Month IRA Share Certificate
3.75%†$500-60 Month IRA Share Certificate
3.50%†$500-48 Month IRA Share Certificate
3.25%†$500-36 Month IRA Share Certificate
Locations

Availability

Washington Area

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