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 First Carolina Peoples Credit Union Rates & Review October 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.
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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 and Verified: October 13, 2026
First Carolina Peoples Credit Union's top rates as of October 13, 2026 are 3.80% APY on its 6 Month CDs CD, personal loans from 8.00% APR, and credit cards from 8.00% APR, according to rates verified by MonitorBankRates. Other First Carolina Peoples Credit Union CD rates include 12 Month CDs at 3.55%, 24 Month CDs at 3.30%, and 12 Month IRA CDs at 3.04%. MonitorBankRates evaluates the financial stability of First Carolina Peoples Credit Union with a 2.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 51.11%. Rates last updated and verified on 10/13/2026. First Carolina Peoples 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 Carolina Peoples Credit Union? Share your experience about First Carolina Peoples Credit Union by leaving a review below, or read customer reviews before you decide to use First Carolina Peoples Credit Union. First Carolina Peoples Credit Union
GOLDSBORO MAIN 201 E ASH ST
https://www.fcpcu.com GOLDSBORO, NC 27530  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. First Carolina Peoples Credit Union CD Rates
First Carolina Peoples Credit Union Auto Loan Rates
First Carolina Peoples Credit Union RV, Boat and Powersport Loan Rates
First Carolina Peoples Credit Union Credit Card Rates
First Carolina Peoples Credit Union Personal Loan Rates
First Carolina Peoples Credit Union Other Rates
Financial Health HistoryFirst Carolina Peoples Credit Union’s Texas Ratio rose from 6.70% in Q3 2023 to 51.11% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.0 and its Health Grade from A to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Carolina Peoples 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 Carolina Peoples 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 Carolina Peoples Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Carolina Peoples Credit Union
Website
https://www.fcpcu.com
Address
201 E ASH ST,
GOLDSBORO, NC 27530
Phone
919-736-0885
Fax
919-736-0892
President
MARK MCCARY
CEO
STACEY JONES
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
2.0 / 5.0 ★
Overall Health & Safety Grade
F (44/100)
Texas Ratio
51.11%
Return on Assets (ROA)
-0.6449%
Return on Equity (ROE)
-7.4880%
Non-Performing Loans Ratio (NPL)
5.79%
Total Assets
33,285,002
Total Amount of Shares and Deposits
30,284,246
Total Shares and Deposits < 1 Year
29,737,896
Total Shares and Deposits 1 3 Years
546,350
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
647,816
Total Uninsured Shares and Deposits > $250K (F+J)
2,398,396
Total Insured Shares and Deposits > $250K (item 17 less item K)
27,885,850
Total Interest Expense (Sum of items 6 8)
236,754
Share Certificates
200
Number of Accounts for Share Drafts
1,191
IRA KEOGH Accounts
83
Number of Accounts for Regular Shares
2,411
All other shares
67
Non Member Deposits
3
Money Market Shares
3
Net Income (unless the amount is already included in Undivided Earnings)
-214,251
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,295,704
Total Liabilities
30,418,390
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About First Carolina Peoples Credit UnionHow many branches does First Carolina Peoples Credit Union operate?First Carolina Peoples 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 Carolina Peoples Credit Union?Yes, to access services at First Carolina Peoples 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 Carolina Peoples 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 Carolina Peoples Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Carolina Peoples Credit Union offer online and mobile banking?Most modern institutions like First Carolina Peoples 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.fcpcu.com. Current First Carolina Peoples Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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