FIRST PEOPLES COMMUNITY

PO BOX 1377
Cumberland, MD 21501

Notable Rates APY Vs.Others
Savings 0.10% 2.25% →
1-Year CD 0.65% 2.25% →
2-Year CD 0.90% 2.50% →
5-Year CD 2.80% 2.80% →
30-Year Mortgage 4.00% 3.31% →
15-Year Mortgage 3.38% 2.77% →
HELOC N.A. 4.00% →

2019 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 $435.57 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
Charter Number # # 13345
Date Established 1959
Assets $435.57 million
Loans $376.80 million
Deposits $348.82 million
Capital $55.26 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 - December 15, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1,000 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.35% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $500 - Learn MoreShow Less
Special: 21 Mo FIRA
2.25% $500 - Learn MoreShow Less
Special: 39 Mo FIRA
2.60% $500 - Learn MoreShow Less
Special: 60 Mo FIRA
2.80% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.35% $500 - Learn MoreShow Less
12 Mo CD
0.65% $500 - Learn MoreShow Less
18 Mo CD
0.75% $500 - Learn MoreShow Less
Special: 21 Mo CD
2.25% $500 - Learn MoreShow Less
24 Mo CD
0.90% $500 - Learn MoreShow Less
36 Mo CD
1.00% $500 - Learn MoreShow Less
Special: 39 Mo CD
2.60% $500 - Learn MoreShow Less
48 Mo CD
1.25% $500 - Learn MoreShow Less
Special: 60 Mo CD
2.80% $500 - Learn MoreShow Less
60 Mo CD
2.80% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.65% $100 - Learn MoreShow Less
Checking Rates APY MIN FEE
eFirst Checking 2.00% $0 $0.00 Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

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
Home Equity 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:
Fairfield,Connecticut


First Peoples Community Locations


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
22.34% 5.86

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, 2019, First Peoples Community had $11,630,993 in non-current loans and $1,696,700 in owned assets. To cover these potential losses it had $55,264,583 in net worth and $4,394,547 in loans loss reserves. That gives it a Texas Ratio of 22.34%.

Net Worth
First Peoples Community U.S. Average
12.68% 13.65%

First Peoples Community FCU has a net worth of 12.68% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Peoples Community

Branches and Savings

What is First Peoples Community?

A federal credit union, registered with the NCUA under certificate #13345.
Learn more about credit unions here.

Is First Peoples Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join First Peoples Community?

Please see Field of Membership information above for information on who is eligible to join.

What are First Peoples Community's share account and share certificate rates?

First Peoples Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Peoples Community?

First Peoples Community has total capital of $55.26 million. Full information on First Peoples Community's financial position is located above.

Who owns First Peoples Community?

Credit Unions are owned by their members.

Where are First Peoples Community branches located?

See branch locations nearby.

Are First Peoples Community ATMs Open 24/7?

Do First Peoples Community ATMs accept cash deposits?

Can First Peoples Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Peoples Community have a mobile app?

Does First Peoples Community have mobile deposit?

Does First Peoples Community have quick pay?

How can First Peoples Community transfer money to other banks or credit unions?

Does First Peoples Community report to credit bureaus?

Does First Peoples Community use Chexsystems?

Does First Peoples Community use Equifax?

What is First Peoples Community's toll free phone number?

What is First Peoples Community's ACH Routing Number?

What is First Peoples Community's SWIFT code?

Where can I find First Peoples Community's wire transfer form?

What is the First Peoples Community address for deposits?

What Products Does First Peoples Community Offer

Does First Peoples Community offer mortgages?

Compare mortgage rates here.

Does First Peoples Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Peoples Community offer auto and RV loans?

Compare auto loan rates here.

Does First Peoples Community offer student loans or personal loans?

Compare personal loan rates here.

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