First Peoples Community Federal Credit Union


Overview / Commentary
301-784-3000
153 Baltimore St
Cumberland, MD 21502

First Peoples Community Federal Credit Union is headquartered in CUMBERLAND and is the 14th largest credit union in the state of Maryland. It is also the 614th largest credit union in the nation. It was established in 1959 and as of June of 2021, it had grown to 136 employees and 32,731 members at 20 locations. First Peoples Community Federal Credit Union's savings rates are 44% higher than 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

Reviews (1)

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.



Health

Health Grade Components

Overall
NCUA #13345
Year Chartered1959
Employees136
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.08%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$584.7MM$517.2MM
LoansQ2 2021vs Q2 2020$400.2MM$391.3MM
DepositsQ2 2021vs Q2 2020$502.9MM$432.0MM
Equity CapitalQ2 2021vs Q2 2020$61.6MM$58.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$5.6MM$4.5MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$2.9MM$5.6MM
Real Estate OwnedQ2 2021vs Q2 2020$1.4MM$1.4MM
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
1.00%$100-Payroll Holiday Account
0.75%*$250k*-Thrift Savings Account
OTHER TIERS: 0.10% $100 - $5k | 0.15% $5k - $25k | 0.30% $25k - $75k | 0.45% $75k - $150k | 0.60% $150k - $250k
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%$5-Star Savers
0.10%$5-Teen Savers
0.10%$100-Business Share

First Peoples Community Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Money Market Deposit Account
OTHER TIERS: 0.10% $100 - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.30% $100k - $250k

First Peoples Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$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
1.35%$500-72 Month Share Certificate
1.35%$500-72 Month HSA Share Certificate
1.20%$500-60 Month Share Certificate
1.20%$500-60 Month HSA Share Certificate
0.95%$500-48 Month Share Certificate
0.95%$500-48 Month Step-up Share Certificate
0.95%$500-48 Month HSA Share Certificate
0.95%$500-48 Month Step-up HSA Share Certificate
0.75%$500-36 Month Share Certificate
0.75%$500-36 Month HSA Share Certificate
0.65%$500-24 Month Share Certificate
0.65%$500-24 Month HSA Share Certificate
0.55%$500-18 Month Share Certificate
0.55%$500-18 Month HSA Share Certificate
0.45%$500-12 Month Share Certificate
0.45%$500-12 Month HSA Share Certificate
0.30%$500-6 Month Share Certificate
0.30%$500-6 Month HSA Share Certificate
0.10%$500-91 Day Share Certificate
0.10%$500-91 Day HSA Share Certificate

First Peoples Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$500-72 Month IRA Share Certificate
1.20%$500-60 Month IRA Share Certificate
0.95%$500-48 Month IRA Share Certificate
0.95%$500-48 Month Step-up IRA Share Certificate
0.75%$500-36 Month IRA Share Certificate
0.65%$500-24 Month IRA Share Certificate
0.55%$500-18 Month IRA Share Certificate
0.45%$500-12 Month IRA Share Certificate
Locations

Availability



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