What are the current interest rates at First Peoples Community Federal Credit Union?

Current rates for First Peoples Community Federal Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.40%, 24-Month CD: 2.50%, 60-Month CD: 3.00%, Savings: 2.50%, MMA: 1.80%

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First Peoples Community Federal Credit Union

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First Peoples Community Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

First Peoples Community Federal Credit Union's top rates as of October 13, 2026 are 4.15% APY on its CD Specials - 15 month, 2.50% APY on savings, 1.80% APY on money market accounts, 2.00% APY on checking, 4.75% on its ARM (Adjustable Rate Mortgage) 3/1, personal loans from 9.99% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other First Peoples Community Federal Credit Union CD rates include CD Specials - 21 month at 4.00%, 60 Month CDs at 3.00%, and 48 Month CDs at 2.75%. Other First Peoples Community Federal Credit Union mortgage rates include ARM (Adjustable Rate Mortgage) 5/1 at 5.00%, ARM (Adjustable Rate Mortgage) 7/1 at 5.25%, and ARM (Adjustable Rate Mortgage) 10/1 at 5.75%. 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 2.63%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.63%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Peoples Community Federal Credit Union
Downtown

153 BALTIMORE ST
CUMBERLAND, MD 21502

https://www.firstpeoples.com

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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 Peoples Community Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificate Specials - 15 month	4.066%	4.15%	15 months
Details Renews at an 18-month non-promotional rate; Early withdrawal penalty applies; Certificate Specials renew at the non-promotional rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Certificate Specials - 21 month	3.922%	4.00%	21 months
Details Renews at a 24-month non-promotional rate; Early withdrawal penalty applies; Certificate Specials renew at the non-promotional rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
60 Month Certificates	2.956%	3.00%	60 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
48 Month Certificates	2.713%	2.75%	48 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
36 Month Certificates	2.616%	2.65%	36 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
24 Month Certificates	2.469%	2.50%	24 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
18 Month Certificates	2.372%	2.40%	18 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
12 Month Certificates	2.225%	2.25%	12 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
6 Month Certificates	1.98%	2.00%	6 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
91 Day Certificates	0.995%	1.00%	91 days
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Savings Rates

Product	Rate	APY
Thrift Savings Accounts	2.469%	2.50%
Min Balance $250,000 Details Balance: $250,000.00 + Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Thrift Savings Accounts	2.225%	2.25%
Min Balance $150,000 Details Balance: $150,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Club Savings Account Promotion (ABL Campus Employees)	-	2.00%
Details ABL Campus Employees; Must show proof of employment with valid ABL badge Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Thrift Savings Accounts	1.98%	2.00%
Min Balance $75,000 Details Balance: $75,000.00 - $149,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Thrift Savings Accounts	1.735%	1.75%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Thrift Savings Accounts	1.489%	1.50%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Star Savers Account	1.242%	1.25%
Min Balance $5 Details Balance: greater than $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Teen Savers Account	1.242%	1.25%
Min Balance $5 Details Balance: greater than $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Thrift Savings Accounts	0.747%	0.75%
Min Balance $500 Details Balance: $500.00 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Thrift Savings Accounts	0.10%	0.10%
Min Balance $100 Details Balance: $100.00 - $499.99 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Regular, Business, Club/Secondary & Christmas Club Shares	0.10%	0.10%
Min Balance $100 Details Balance: greater than $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Deposit Accounts (MMDA)	1.784%	1.80%
Min Balance $250,000 Details Balance: $250,000.00 + Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Money Market Deposit Accounts (MMDA)	1.341%	1.35%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Money Market Deposit Accounts (MMDA)	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Money Market Deposit Accounts (MMDA)	0.797%	0.80%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Money Market Deposit Accounts (MMDA)	0.598%	0.60%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Money Market Deposit Accounts (MMDA)	0.499%	0.50%
Min Balance $1,000 Details Balance: $1000.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Money Market Deposit Accounts (MMDA)	0.10%	0.10%
Min Balance $100 Details Balance: $100.00 - $999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Checking Rates

Product	Rate	APY
eFirst Checking	1.98%	2.00%
Details Balance: Up to $25,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Non-Profit Checking	1.094%	1.10%
Min Balance $100 Details Balance: $100 and greater Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
eFirst Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: in excess of $25,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 2.00% / low 0.10% Oct 13, 20260.10%▼ from 2.00% Oct 9, 20262.00%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM (Adjustable Rate Mortgage) 3/1	-	-	4.75%
Details As Low As; ARM 3/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates; Borrower must qualify for Credit Union membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
ARM (Adjustable Rate Mortgage) 5/1	-	-	5.00%
Details As Low As; ARM 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates; Borrower must qualify for Credit Union membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
ARM (Adjustable Rate Mortgage) 7/1	-	-	5.25%
Details As Low As; ARM 7/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates; Borrower must qualify for Credit Union membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
ARM (Adjustable Rate Mortgage) 10/1	-	-	5.75%
Details As Low As; ARM 10/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates; Borrower must qualify for Credit Union membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Construction ARMs - 3/1	-	-	6.125%
Details As Low As; Rate Description: 3/1; Rates are subject to change daily. Please contact Credit Union for additional program options. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Construction ARMs - 5/1	-	-	6.375%
Details As Low As; Rate Description: 5/1; Rates are subject to change daily. Please contact Credit Union for additional program options. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Rate Mortgage SPECIAL	-	-	6.50%	15 years
Details As Low As; Conventional Loan Rates - Fixed Rate Mortgage SPECIAL Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 5.88% → 6.50% ▲ 0.63 pts · high 6.50% / low 5.88% Oct 9, 20266.50%▲ from 6.38% Sep 29, 20266.38%▲ from 6.25% Sep 25, 20266.25%▲ from 6.13% Sep 17, 20266.13%▲ from 5.88% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Rate Mortgage	-	-	6.75%	15 years
Details As Low As; Rates subject to change daily; Loans over $832,750 may be subject to different rates Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 6.38% → 6.75% ▲ 0.38 pts · high 6.75% / low 6.38% Oct 13, 20266.75%▲ from 6.63% Sep 29, 20266.63%▲ from 6.38% Sep 18, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Rate Mortgage SPECIAL	-	-	6.875%	20 years
Details As Low As; Conventional Loan Rates - Fixed Rate Mortgage SPECIAL Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.38% → 6.88% ▲ 0.50 pts · high 6.88% / low 6.38% Sep 29, 20266.88%▲ from 6.75% Sep 25, 20266.75%▲ from 6.63% Sep 17, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Rate Mortgage SPECIAL	-	-	7.125%	30 years
Details As Low As; Conventional Loan Rates - Fixed Rate Mortgage SPECIAL Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.13% / low 6.63% Oct 2, 20267.13%▲ from 7.00% Sep 29, 20267.00%▲ from 6.88% Sep 25, 20266.88%▲ from 6.75% Sep 17, 20266.75%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Rate Mortgage	-	-	7.375%	30 years
Details As Low As; Rates subject to change daily; Loans over $832,750 may be subject to different rates Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00% Oct 13, 20267.38%▲ from 7.25% Sep 29, 20267.25%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	4.49%	60 months
Details As Low As; Certain restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Home Equity Loan	-	-	5.25%	84 months
Details As Low As; Certain restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Home Equity Loan	-	-	5.49%	120 months
Details As Low As; Certain restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Home Equity Loan	-	-	5.75%	180 months
Details As Low As; Certain restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Home Equity Personal Loans	-	-	9.99%	0-36 months
Details As Low As; Certain restrictions may apply Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.49%	0-36 months
Details As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.49% ▲ 0.24 pts · high 3.49% / low 3.25% Sep 25, 20263.49%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	3.75%	37-48 months
Details As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.49% → 3.75% ▲ 0.26 pts · high 3.75% / low 3.49% Sep 25, 20263.75%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	4.25%	49-60 months
Details As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 3.99% → 4.25% ▲ 0.26 pts · high 4.25% / low 3.99% Sep 25, 20264.25%▲ from 3.99% Sep 17, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	4.25%	0-36 months
Details As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25% Sep 25, 20264.25%▲ from 3.99% Sep 17, 20263.99%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	4.49%	37-48 months
Details As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.49% ▲ 0.24 pts · high 4.49% / low 4.25% Sep 25, 20264.49%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	4.75%	61-72 months
Details As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.75% ▲ 0.26 pts · high 4.75% / low 4.49% Sep 25, 20264.75%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	5.25%	73-84 months
Details As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Sep 25, 20265.25%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	5.25%	49-60 months
Details As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99% Sep 25, 20265.25%▲ from 4.99% Sep 17, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
First Time Car Buyer Auto Loan	-	-	5.25%	0-60 months
Details As Low As; 2022 & Newer; with less than 45,000 miles Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	5.75%	0-36 months
Details As Low As; Model Year: 2015-2018; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.75% ▲ 0.26 pts · high 5.75% / low 5.49% Sep 25, 20265.75%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	5.99%	61-72 months
Details As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 5.99% ▲ 0.24 pts · high 5.99% / low 5.75% Sep 25, 20265.99%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	6.99%	73-84 months
Details As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.75% → 6.99% ▲ 0.24 pts · high 6.99% / low 6.75% Sep 25, 20266.99%▲ from 6.75% Sep 17, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	6.99%	0-36 months
Details As Low As; Model Year: 2014 & older; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 5.49% → 6.99% ▲ 1.50 pts · high 6.99% / low 5.49% Sep 25, 20266.99%▲ from 6.75% Sep 17, 20266.75%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Auto Loan	-	-	7.60%	37-48 months
Details As Low As; Model Year: 2015-2018; Other terms and rates available. Please contact us for more information. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.35% → 7.60% ▲ 0.25 pts · high 7.60% / low 7.35% Sep 25, 20267.60%▲ from 7.35% Sep 14, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.99%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Visa Emerald (Classic)	-	11.50%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Home Equity Personal Loans	9.99%	0-36 months
Details As Low As; Certain restrictions may apply Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

First Peoples Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Construction Loans - 15 years - Fixed Rate	-	-	6.50%	15 years
Details Published APR range: As low as 6.50%. As low as; Fixed Rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Construction Loans - 20 years - Fixed Rate	-	-	7.75%	20 years
Details Published APR range: As low as 7.75%. As low as; Fixed Rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Fixed Construction Loans - 30 years - Fixed Rate	-	-	7.00%	30 years
Details Published APR range: As low as 7.00%. As low as; Fixed Rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Second Chance Home Buyer Loan	-	-	7.00%	Up to 30 years
Details As Low As; Fixed Rate; up to 97% financing; Maximum loan amount $300,000 (Washington County up to $350,000); Borrower(s) or property owner(s) must have owned real estate at most once in the past; Charter area only Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
eFirst Checking	-	-	2.00%
Min Balance $0 Details Qualifications Required; Interest earning dependent upon total account relationships of greater than $100 average over 90 days; Earn 10 on each non-ATM debit card purchase beyond five required minimum transactions; $5.00 fee if minimum requirements not met monthly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
IRA Share	0.648%	-	0.65%
Min Balance $100 Details Balance: greater than $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%
Payroll Holiday Account	0.995%	-	1.00%
Min Balance $100 Details Balance: between $100 & $5,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Peoples Community Federal Credit Union’s Texas Ratio stayed near 2.64% in Q3 2023 to 2.63% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$666M	2.63%	5.0	A+
March 31, 2026	$660M	1.23%	5.0	A+
December 31, 2025	$637M	2.68%	5.0	A+
September 30, 2025	$631M	1.98%	5.0	A+
June 30, 2025	$635M	2.30%	5.0	A+
March 31, 2025	$633M	1.34%	5.0	A+
December 31, 2024	$607M	2.62%	5.0	A+
September 30, 2024	$593M	6.59%	5.0	A
June 30, 2024	$596M	4.43%	5.0	A+
March 31, 2024	$602M	1.61%	5.0	A+
December 31, 2023	$579M	2.48%	5.0	A+
September 30, 2023	$573M	2.64%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 Christopher Carpenter

CEO Randy Olsen

Full-Time Employees 137

Part-Time Employees 14

Branch Locations 20

ATM Locations 20

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.63%

Return on Assets (ROA)

0.5686%

Return on Equity (ROE)

4.1766%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

666,104,332

Total Amount of Shares and Deposits

559,992,106

Total Shares and Deposits < 1 Year

499,954,052

Total Shares and Deposits 1 3 Years

49,742,087

Total Shares and Deposits > 3 Years

10,295,967

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

29,321,207

Total Uninsured Shares and Deposits > $250K (F+J)

29,321,207

Total Insured Shares and Deposits > $250K (item 17 less item K)

530,670,899

Total Interest Expense (Sum of items 6 8)

4,440,983

Share Certificates

6,038

Number of Accounts for Share Drafts

23,050

IRA KEOGH Accounts

768

Number of Accounts for Regular Shares

38,042

Money Market Shares

321

Net Income (unless the amount is already included in Undivided Earnings)

3,787,442

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)

54,078,928

Total Liabilities

574,364,077

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Peoples Community Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About First Peoples Community Federal Credit Union

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.

Current First Peoples Community Federal Credit Union Rates

12-Month CD2.25%
18-Month CD2.40%
24-Month CD2.50%
60-Month CD3.00%
Savings2.50%
MMA1.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Peoples Community Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Peoples Community Federal Credit Union Texas Ratio

First Peoples Community Federal Credit Union Health Trend

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First Peoples Community Federal Credit Union Savings Rates

First Peoples Community Federal Credit Union Business Savings Rates

First Peoples Community Federal Credit Union Money Market Rates

First Peoples Community Federal Credit Union Checking Rates

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First Peoples Community Federal Credit Union Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Peoples Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Peoples Community Federal Credit Union

How many branches does First Peoples Community Federal Credit Union operate?

Is a member application needed to join First Peoples Community Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Peoples Community Federal Credit Union offer online and mobile banking?

Current First Peoples Community Federal Credit Union Rates

Compare to Other Credit Unions