First Carolina People’s Credit Union

Rated star_ratedstar_ratedstar_rated_halfstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 2.5 out of 5

PO Box 1637, Goldsboro, NC 27533

Website

(919) 736-0885

Data Source: NCUA, December 31, 2016


First Carolina People’s Credit Union was founded in 1952. Headquartered in Goldsboro, North Carolina, First Carolina People’s Credit Union is a state chartered and federally insured credit union, being chartered in North Carolina and insured through the National Credit Union Share Insurance Fund (NCUSIF). First Carolina People’s Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, First Carolina People’s Credit Union services 2,391 members through its 2 offices and branches and 11 full-time employees. It has $29,510,111 of total assets and $2,709,521 of net worth. Based on its asset size and net worth ratio, First Carolina People’s Credit Union is classified as a Well Capitalized medium small credit union.

First Carolina People’s Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. First Carolina People’s Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of First Carolina People’s Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in North Carolina and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of North Carolina
Median of USA
Checking
0.1000
0.0500
0.0000
Savings
0.5000
0.1650
0.1200
Money Market
0.0000
0.3500
0.2500
Certificate Deplit
1.5000
0.6050
0.5800
IRA
0.7500
0.7500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of North Carolina
National Median Rates
Credit Cards
10.0000
9.9700
9.9900
Unsecured Line of Credits
14.0000
12.0300
10.9500
Short-term Small Amount
n/a
18.0000
25.0000
Student Loans
n/a
6.7500
6.0200
New Car Loans
4.2500
3.7500
3.3300
Used Car Loans
5.2500
4.7500
4.5000
1st Mortgage Real Estates
3.9500
4.2500
4.2500
Other Real Estates
5.0000
4.7500
4.7000

First Carolina People’s Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by First Carolina People’s Credit Union.

Electronic Banking Service Offerings

Membership Application
No
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
Baptist Employees Credit Union A Division Of Fcpcu
1105 Walnut St
Cary, NC 27511
Phone:919-736-0885

Goldsboro Main
201 E Ash St
Goldsboro, NC 27530
Phone:919-736-0885

(919) 736-0892

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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