PO BOX 1377
Cumberland, MD 21501
| NCUA Insured | Yes |
| Charter Number # | # 13345 |
| Date Established | 1959 |
| Assets | $433.47 million |
| Loans | $371.25 million |
| Deposits | $339.69 million |
| Capital | $54.30 million |
First Peoples Community is an NCUA insured institution located in Cumberland, MD. It was founded in 1959 and has approximately $433.47 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.
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $100 | - | Learn More |
|
Money Market
|
0.20% | $1,000 | $9,999 | Learn More |
|
Money Market
|
0.25% | $10,000 | $24,999 | Learn More |
|
Money Market
|
0.35% | $25,000 | $49,999 | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
0.65% | $500 | - | Learn More |
| Special: 9 Mo FIRA
|
2.60% | $500 | - | Learn More |
| Special: 21 Mo FIRA
|
2.85% | $500 | - | Learn More |
| Special: 39 Mo FIRA
|
3.00% | $500 | - | Learn More |
| Special: 60 Mo FIRA
|
3.05% | $500 | - | Learn More |
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.10% | $500 | - | Learn More |
| 6 Mo CD
|
0.35% | $500 | - | Learn More |
| Special: 9 Mo CD
|
2.60% | $500 | - | Learn More |
| 12 Mo CD
|
0.65% | $500 | - | Learn More |
| 18 Mo CD
|
0.75% | $500 | - | Learn More |
| Special: 21 Mo CD
|
2.85% | $500 | - | Learn More |
| 24 Mo CD
|
0.90% | $500 | - | Learn More |
| 36 Mo CD
|
1.00% | $500 | - | Learn More |
| Special: 39 Mo CD
|
3.00% | $500 | - | Learn More |
| 48 Mo CD
|
1.25% | $500 | - | Learn More |
| Special: 60 Mo CD
|
3.05% | $500 | - | Learn More |
| 60 Mo CD
|
3.05% | $500 | - | Learn More |
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.65% | $100 | - | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| eFirst Checking | 2.00% | $0 | $0.00 | Learn More |
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 | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming | 3.25% | 3.25% | $1,088.02 | |
| 10 Year Adjustable Conforming | 5.00% | 5.00% | $1,342.05 | |
| 15 Year Fixed Conforming | 3.38% | 3.38% | $1,772.51 | |
| 20 Year Fixed Conforming | 3.75% | 3.75% | $1,482.22 | |
| 30 Year Fixed Conforming | 4.00% | 4.00% | $1,193.54 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming | 3.25% | 3.25% | $1,088.02 | |
| 10 Year Adjustable Conforming | 5.00% | 5.00% | $1,342.05 | |
| 15 Year Fixed Conforming | 3.38% | 3.38% | $1,772.51 | |
| 20 Year Fixed Conforming | 3.75% | 3.75% | $1,482.22 | |
| 30 Year Fixed Conforming | 4.00% | 4.00% | $1,193.54 | |
Compare with 3.662% APR and 3.625% 30-Year Fixed RATE from AimLoan.com
See All Mortgage Rates |
||||
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Loan | 3.25% | 3.25% | $488.60 | |
| 15 Year Loan | 4.25% | 4.25% | $376.14 |
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.
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
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.
| First Peoples Community | U.S. Average |
|---|---|
| 21.36% | 6.77 |
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 March 31, 2019, First Peoples Community had $11,078,578 in non-current loans and $1,419,923 in owned assets. To cover these potential losses it had $54,301,703 in net worth and $4,223,991 in loans loss reserves. That gives it a Texas Ratio of 21.36%.
| First Peoples Community | U.S. Average |
|---|---|
| 12.52% | 13.47% |
First Peoples Community FCU has a net worth of 12.52% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
A federal credit union, registered with the NCUA under certificate #13345.
Learn more about credit unions here.
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.
Please see Field of Membership information above for information on who is eligible to join.
First Peoples Community has total capital of $54.30 million. Full information on First Peoples Community's financial position is located above.
Credit Unions are owned by their members.
See branch locations nearby.
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Last Update on September 17, 2019
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