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iAdvertiser Disclosure
Advertiser Disclosure
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 First Peoples Community Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
First Peoples Community Federal Credit Union's 9-Month CD (CD) Special rates are at 3.85%. First Peoples Community Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of First Peoples Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.11%. Rates were last updated on 04/18/2026. First Peoples Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Peoples Community Federal Credit Union? Share your experience about First Peoples Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Peoples Community Federal Credit Union. First Peoples Community Federal Credit Union
Downtown 153 BALTIMORE ST
https://www.firstpeoples.com CUMBERLAND, MD 21502 
First Peoples Community Federal Credit Union CD Rates
First Peoples Community Federal Credit Union Mortgage Rates
First Peoples Community Federal Credit Union Auto Loan Rates
First Peoples Community Federal Credit Union Credit Card Rates
First Peoples Community Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Peoples Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Peoples Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Peoples Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Peoples Community Federal Credit Union
Website
https://www.firstpeoples.com
Address
153 BALTIMORE ST,
CUMBERLAND, MD 21502
Phone
301-784-3000
Fax
President
Jeffrey McKenzie
CEO
Randy Olsen
Full-Time Employees
139
Part-Time Employees
12
Branch Locations
20
ATM Locations
21
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.11%
Return on Assets (ROA)
0.7980%
Return on Equity (ROE)
6.0318%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
631,291,323
Total Amount of Shares and Deposits
535,916,795
Total Shares and Deposits < 1 Year
470,769,342
Total Shares and Deposits 1 3 Years
51,201,322
Total Shares and Deposits > 3 Years
13,946,131
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,408,946
Total Uninsured Shares and Deposits > $250K (F+J)
28,408,946
Total Insured Shares and Deposits > $250K (item 17 less item K)
507,507,849
Total Interest Expense (Sum of items 6 8)
6,994,010
Share Certificates
6,029
Number of Accounts for Share Drafts
22,788
IRA KEOGH Accounts
781
Number of Accounts for Regular Shares
37,682
Money Market Shares
315
Net Income (unless the amount is already included in Undivided Earnings)
5,037,968
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
58,861,696
Total Liabilities
548,739,102
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Peoples Community Federal Credit UnionIs First Peoples Community Federal Credit Union a safe place to deposit money?Yes, First Peoples Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1117220301979%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Peoples Community Federal Credit Union operate?First Peoples Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Peoples Community Federal Credit Union?Yes, to access services at First Peoples Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Peoples Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Peoples Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Peoples Community Federal Credit Union offer online and mobile banking?Most modern institutions like First Peoples Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstpeoples.com. Compare to Other Credit Unions
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