First Peoples Community Federal Credit Union

Headquarters

Po Box 1377
Cumberland, MD 21501
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Notable Rates APY Vs.Others
Savings 0.10% 5.50% →
1-Year CD 0.65% 4.80% →
2-Year CD 0.90% 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage 6.50% 4.91% →
15-Year Mortgage 6.00% 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

First Peoples Community is an NCUA insured institution located in Cumberland, MD. It was founded in 1959 and has approximately $596.24 millions in assets.

Who can join?

First Peoples Community Federal Credit Union serves any persons who live or work in Allegany County, Maryland, Garrett County, Maryland, Somerset County, Pennsylvania or Mineral County, West Virginia. Membership is also available to Verizon employees that are headquartered in the counties of Frederick, Washington, Allegany, and Garrett in Maryland.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13345
Date Established 1959
Assets $596.24 million
Loans $453.75 million
Deposits $512.23 million
Capital $74.19 million
 

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.

Deposit Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.25% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
eFirst Checking 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 1.75% 1.75% $713.34
4 Year 1.75% 1.75% $539.65
5 Year 2.25% 2.25% $440.93
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Below are First Peoples Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

FIRST PEOPLES COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

First Peoples Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Peoples Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Peoples Community U.S. Average
15.34% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, First Peoples Community had $11,108,951 in non-current loans and $1,053,156 in owned assets. To cover these potential losses it had $74,188,987 in net worth and $5,089,874 in loans loss reserves. That gives it a Texas Ratio of 15.34%.

Net Worth
First Peoples Community U.S. Average
12.44% 13.93%

First Peoples Community FCU has a net worth of 12.44% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for First Peoples Community

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