First Peoples Community Credit Union

Cumberland, Maryland
Last verified: August 4, 2026
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Verified rate book

Current First Peoples Community Credit Union rates

70 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

11 offers
First Peoples Community Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.375% APR6.375%—Standard
30-Year Fixed30 year fixed6.625% APR6.625%—Standard
30-Year Fixed30 year fixed6.740% APR6.740%—Standard
30-Year Fixed30 year fixed7.000% APR7.000%—Standard
15-Year Fixed15 year fixed5.625% APR5.625%—Standard
15-Year Fixed, Construction15 year fixed6.500% APR6.500%—Standard
15-Year Fixed15 year fixed6.500% APR6.500%—Standard
ARMarm4.500% APR4.500%—Standard
Construction ARMs (Adjustable Rate Mortgages)arm6.125% APR6.125%—Standard
20-Year Fixed20 year fixed7.750% APR7.750%—Standard
Fixed Rate Mortgageother5.625% APR5.625%—Standard

Auto & vehicle rates

23 offers
First Peoples Community Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New Auto Loanauto_new2.990% APR2.990%newStandard
2023 & Newer: 0-72 Months With Less Than 45,000 Miles And Valued At $15,000 Or Moreauto_any_72mo2.990% APR2.990%72 moAdvertised floor
2023 & Newer: 0-36 Monthsauto_any_36mo3.250% APR3.250%36 moStandard
Auto Loanauto3.250% APR3.250%—Standard
48-Month Auto Loanauto_any_48mo3.490% APR3.490%48 moStandard
2023 & Newer: 37-48 Monthsauto_any_48mo3.490% APR3.490%48 moStandard
2023 & Newer: 49-60 Monthsauto_any_60mo3.990% APR3.990%60 moStandard
60-Month Auto Loanauto_any_60mo3.990% APR3.990%60 moStandard
2018-2022: 0-36 Monthsauto_any_36mo3.990% APR3.990%36 moStandard
2018-2022: 37-48 Monthsauto_any_48mo4.250% APR4.250%48 moStandard
2023 & Newer: 61-72 Monthsauto_any_72mo4.490% APR4.490%72 moStandard
84-Month Auto Loanauto_any_84mo4.490% APR4.490%84 moStandard
2018-2022: 49-60 Monthsauto_any_60mo4.990% APR4.990%60 moStandard
2023 & Newer: 73-84 Monthsauto_any_84mo4.990% APR4.990%84 moStandard
Auto Loanauto5.000% APR5.000%—Standard
First Time Car Buyer Auto Loanauto_any_120mo5.250% APR5.250%120 moStandard
2021 & Newer: 0-60 months with less than 45,000 milesauto_any_60mo5.250% APR5.250%60 moStandard
2014-2017: 0-36 Monthsauto_any_36mo5.490% APR5.490%36 moStandard
180-Month Auto Loanauto_any_180mo5.490% APR5.490%180 moStandard
2018-2022: 61-72 Monthsauto_any_72mo5.750% APR5.750%72 moStandard
2018-2022: 73-84 Monthsauto_any_84mo6.750% APR6.750%84 moStandard
2013 & Older: 0-36 Monthsauto_used_36mo6.750% APR6.750%36 mo · usedStandard
2014-2017: 37-48 Monthsauto_any_48mo7.350% APR7.350%48 moStandard

HELOC rates

1 offer
First Peoples Community Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loan (Fixed)heloc_fixed4.490% APR4.490%—Standard

Personal loan rates

1 offer
First Peoples Community Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured9.990% APR9.990%—Standard

Credit card rates

3 offers
First Peoples Community Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.990% APR8.990%—Standard
Credit Cardcredit_card8.990% APR8.990%—Standard
Visa Emerald (Classic)credit_card11.500% APR11.500%—Standard

Savings & CD rates

23 offers
First Peoples Community Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Regular, Business, Club/Secondary & Christmas Club Shares on balances greater than $100savings0.10% APY0.10%—Specialty offer
$100.00 - $499.99savings0.10% APY0.10%—Standard
IRA Share on balances greater than $100ira0.65% APY0.65%—Standard
$500.00 - $4,999.99savings0.75% APY0.75%—Standard
Payroll Holiday Account on balances between $100 & $5,000savings1.00% APY1.00%—Standard
Non-Profit Checking on balances of $100 and greatersavings1.10% APY1.10%—Standard
Star Savers Account on balances greater than $5savings1.25% APY1.25%—Standard
$5,000.00 - $24,999.99savings1.50% APY1.50%—Standard
$25,000.00 - $74,999.99savings1.75% APY1.75%—Standard
6-Month Certificatecd_6mo2.00% APY2.00%6 moStandard
Dividends Earnedsavings2.00% APY2.00%—Standard
eFirst Checking - Up to $25,000savings2.00% APY2.00%—Standard
$75,000.00 - $149,999.99savings2.00% APY2.00%—Standard
12-Month Certificatecd_12mo2.25% APY2.25%12 moStandard
$150,000.00 - $249,999.99savings2.25% APY2.25%—Standard
18-Month Certificatecd_18mo2.40% APY2.40%18 moStandard
$250,000.00 +savings2.50% APY2.50%—Standard
24-Month Certificatecd_24mo2.50% APY2.50%24 moStandard
36-Month Certificatecd_36mo2.65% APY2.65%36 moStandard
48-Month Certificatecd_48mo2.75% APY2.75%48 moStandard
60-Month Certificatecd_60mo3.00% APY3.00%60 moStandard
72-Month Certificatecd_72mo3.25% APY3.25%72 moStandard
9-Month Certificateshare_certificate_9mo3.85% APY3.85%9 moStandard

Other rates

8 offers
First Peoples Community Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Introductory Fixed Rate until 12/31/2026other2.500% %2.500%—Introductory offer
Freedom Loanother2.500% %2.500%—Standard
Freedom Loanother2.500% %2.500%—Standard
Summer Loanother5.990% %5.990%—Standard
Second Chance Home Buyerother7.000% %7.000%—Standard
Rate Description (0-36 months)other9.990% %9.990%—Standard
Rate Description (37-48 months)other14.000% %14.000%—Standard
Rate Description (49-60 months)other15.000% %15.000%—Standard

As of August 4, 2026, First Peoples Community Credit Union offers a 30-year fixed mortgage at 6.375% APR. Auto loans available from 2.99% APR. HELOC rates from 4.49% APR. Personal loan rates from 9.99% APR. Credit card rates from 8.99% APR. Savings and certificate yields up to 3.85% APY.

Source: RateAPI.dev, verified from First Peoples Community Credit Union's official website

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About First Peoples Community Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
34.6K
Assets
$659.9M
Founded
1959
Locations reported
21
NCUA charter
13345
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Act 1stACT 1st Federal Credit Union - LaVale · LaVale · MD · 21502Branch in the same ZIPChessieCommerce Drive · Cumberland · MD · 21502Branch in the same ZIPState Employees CU of Maryland, IncSECU Credit Union - LaVale · LaVale · MD · 21502-6571Branch in the same ZIPWepcoOldtown Rd Branch · Cumberland · MD · 21502-4039Branch in the same ZIPRomneyRomney Federal Credit Union · Romney · WV · 26757-1638About 22.2 miles awayUssco JohnstownSomerset · Somerset · PA · 15501About 33.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join First Peoples Community Credit Union

Membership eligibility from First Peoples Community Credit Union's own published criteria. How we verify this.

Community charter: live/work in Allegany, Garrett, Washington +6 more, MD, PA, WV

  • LocationAllegany, Garrett, Washington, Somerset, Bedford, Fulton, Mineral, Hampshire, Morgan — MD, PA, WV

Cost to join: About $5.

Verified from First Peoples Community Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does First Peoples Community Credit Union offer?

First Peoples Community Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are First Peoples Community Credit Union rates updated?

RateAPI verifies First Peoples Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get First Peoples Community Credit Union's rate data?

Rate data is collected directly from First Peoples Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is First Peoples Community Credit Union's mortgage rate?

As of August 4, 2026, First Peoples Community Credit Union offers a 30-year fixed mortgage at 6.375% APR.

What are First Peoples Community Credit Union's auto loan rates?

As of August 4, 2026, First Peoples Community Credit Union offers auto loans from 2.99% APR.

What is First Peoples Community Credit Union's HELOC rate?

As of August 4, 2026, First Peoples Community Credit Union offers home equity lines of credit from 4.49% APR.

What is First Peoples Community Credit Union's personal loan rate?

As of August 4, 2026, First Peoples Community Credit Union offers personal loans from 9.99% APR.

What is First Peoples Community Credit Union's best CD rate?

As of August 4, 2026, First Peoples Community Credit Union offers savings and certificate (CD) yields up to 3.85% APY.

Related Rate Data

Compare First Peoples Community Credit Union's rates against national credit-union benchmarks.

More Maryland credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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