First Carolina People's Credit Union Goldsboro NC | Affordable Auto Loans & Business Banking

Introduction

Welcome to First Carolina People's, your trusted financial partner located at 201 E Ash St, Goldsboro, NC 27530. Since our establishment in 1952, we have proudly served our community with dedication and care. With a membership of over 2,299, we are more than just a credit union; we're a family focused on helping you achieve your financial dreams. At First Carolina People's, we understand that every member has unique needs. That's why our total assets of $37,580,694 allow us to offer a variety of services tailored just for you. Whether you are looking for auto loans, personal banking solutions, or business services, we have something to meet your needs. Our members enjoy a total deposit base of $5,289,465, reflecting the trust and confidence placed in us by our community. Led by our CEO Stacey Jones and Board President Mark McCary, our team of 10 dedicated employees is always here to assist you. We believe in fostering strong relationships and making banking easier for everyone. While members can visit us at our branch location, any official correspondence should be sent to PO BOX 1637, Goldsboro, NC 27533. We invite you to explore what makes First Carolina People's special. With innovative online banking options and personalized services, we're committed to supporting your financial journey. Feel free to reach out to us at 919-736-0885 or visit our website at fcpcu.com for more information. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

First Carolina People's has been a cornerstone of the Goldsboro community since it opened its doors in 1952. Located at 201 E Ash St, Goldsboro, NC 27530, our branch has grown alongside our members, creating a rich history filled with commitment and service. Over the years, we have proudly served more than 2,299 members and built assets totaling $37,580,694. Our mission is simple yet powerful: to provide exceptional financial services while enhancing the lives of our members and fostering community growth. We believe that financial stability is key to a thriving community, and we strive to support our members through various offerings like checking accounts, auto loans, mortgages, and personal loans. Our goal is to empower individuals and families to achieve their financial dreams. In addition to traditional banking services, we prioritize accessibility and convenience for our members. While we do not currently offer ATM services at this location, we provide drive-thru banking for quick transactions and have partnered with shared service centers so you can access your funds easily. Our operating hours are Monday through Friday from 8:30 AM to 5:00 PM. At First Carolina People's, we are committed to remaining accessible and responsive to our community's needs. This commitment drives us to explore digital advancements that make banking easier for everyone. We offer online banking and mobile applications, allowing our members to manage their finances on their terms. As a proud member of the Goldsboro community, we actively participate in local outreach efforts to support various causes that matter most to our neighbors. Whether it's partnering with local schools or supporting charity events, we believe in giving back because when our community thrives, we all thrive. If you're looking for a credit union that truly cares about its members and the community it serves, look no further than First Carolina People's. Join us today and experience firsthand how we can help you achieve your financial goals! For more information or inquiries, feel free to reach out at 919-736-0885 or visit us online at fcpcu.com.

Branch Location & Accessibility

Accessibility and Convenience

Our branch is easily accessible and offers ample parking for your convenience. We take pride in ensuring our location is ADA compliant, featuring ramps and other accessibility features to accommodate all members of our community. For those on the go, we also have a drive-thru service available, allowing you to complete simple transactions without leaving your vehicle.

Operating Hours

We understand that life can be busy, which is why we're here for you Monday through Friday from 8:30 AM to 5:00 PM. This gives you plenty of time during the week to stop by or give us a call at 919-736-0885 if you have questions or need assistance.

Services Offered

At First Carolina People's branch, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage refinancing options, and credit cards with rewards. We also provide business banking services such as merchant services and business loans. If you prefer managing your finances online or through mobile banking, we've got you covered there too! For added convenience, we participate in shared services with partner credit unions, making it easier for members to conduct basic transactions like deposits and withdrawals even when they are away from their home branch. We invite you to visit us at our Goldsboro location or reach out via phone. Our dedicated staff is excited to assist you with all your financial needs!

Member Eligibility

Joining the First Carolina People's Credit Union is like stepping into a warm, welcoming community where your financial well-being is our top priority. To become a member, you'll find that eligibility is quite straightforward. Anyone who lives, works, worships, or attends school in Wayne County can join us. We believe that everyone deserves access to quality financial services, so we invite you to explore this opportunity! If you're ready to take the next step, opening an account is easy and convenient. You can find all the details you need on our website at this link. If you have any questions or need assistance along the way, don't hesitate to give us a call at (919) 736-0885. We're here to help you every step of the way as you embark on your journey with First Carolina People's Credit Union, located at 201 E Ash St Goldsboro Nc 27530.

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's market, having reliable merchant services is vital for any business. Imagine being able to process payments easily and efficiently while keeping your cash flow smooth. Our merchant services provide just that allowing you to focus on what you do best: running your business. With tools tailored for various industries, you can enhance customer experiences and streamline operations without the hassle. For more information about how our business banking and commercial services can benefit your company, visit us at 201 E Ash St Goldsboro Nc 27530 or call us at 919-736-0885. Let's work together to pave the way for your business success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. Although we currently have an outstanding commercial loan portfolio of $0, we continuously strive to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our business members, we have tailored services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we want to support your business growth with flexible financing solutions.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options, allowing you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills from the comfort of your home or on-the-go. We also provide essential ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals making everyday banking quick and easy. If you're a member of a partner credit union, take advantage of our shared branch transactions for deposits and withdrawals as well.

Credit Options

Credit is an essential part of many financial journeys. We offer credit cards with rewards that not only provide purchasing power but also give you back rewards on your spending helping you save even more in the long run.

Get Started Today!

If you're ready to explore how First Carolina People's can help you achieve your financial aspirations, don't hesitate to reach out! Call us at 919-736-0885 or visit us at our branch in Goldsboro. We're excited to serve you! For more details about our offerings or to open an account online, check out our website at fcpcu.com. Let's take this journey together!

Home Financing

Thinking about homeownership? Our mortgage loans and refinancing options provide solutions that can help make your dream home a reality. With competitive rates and personalized service, we're here to guide you through every step of the mortgage process.

Personal Banking

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts tailored to suit various lifestyles and needs. Whether you're saving for a vacation or managing daily expenses, our accounts come with features designed for convenience and accessibility. In addition, if you're looking to purchase a vehicle, our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. We know that buying a car is a significant investment, so we strive to make it as straightforward as possible.

Personal Loans

Life can throw unexpected expenses your way. Our personal loans and debt consolidation services are designed to provide you with the funds needed when emergencies arise or when you're looking to consolidate existing debts into one manageable payment.

Digital & Online Banking

Accessible Online Services

With our online banking platform, you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills whenever it suits you. Our user-friendly interface ensures that navigating through your financial information is simple and straightforward.

Real-Time Account Management

Our mobile application allows you to manage your accounts directly from your smartphone. You can make person-to-person transfers with ease, sending money to friends or family in just a few taps. Plus, if you're keen on keeping track of your spending, we provide e-statements to help you monitor your financial health without the clutter of paper statements.

Secure and Convenient Features

While managing your finances online is convenient, we also prioritize your security. Although we currently don't offer electronic signature authorization, rest assured that all transactions are protected with robust security measures. This means you can bank with confidence knowing that your personal information is safe.

Stay Connected On the Go

For those who love the simplicity of mobile payments, while we don't currently support this feature, our commitment to enhancing your banking experience remains strong. With our mobile app available for download, you'll find it easy to stay connected to your finances wherever life takes you. In summary, First Carolina People's offers an array of digital banking services that cater to your needs while providing accessibility and peace of mind. Dive into a smarter way to bank today!

Financial Strength

Commitment to Growth

With $1,925,273 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is also reflected in our lending capacity: we currently have $280 in used auto loans and $27,982,590 in total loans and leases to support your financial goals across various sectors.

Growing Member Base

Our strength is evident in our growing member base with a total of 4,192 share accounts. This number reflects the trust placed in us by the community we serve. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Carolina People's is your trusted partner. Visit us at 201 E Ash St Goldsboro Nc 27530 or call (919) 736-0885 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $17,282, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $13,755,784 in share certificates and $413,872 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $3,270,594, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $867 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,731,476 in used vehicle loans and $1,230,787 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring that whether you're driving off the lot with a brand-new model or finding a reliable pre-owned car, we've got you covered.

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. While we currently do not have any outstanding commercial loans available at this time, our focus remains on supporting local businesses whenever possible. At First Carolina People's located at 201 E Ash St Goldsboro Nc 27530, our goal is to empower our members through sound financial decisions. If you're interested in learning more about our loan offerings or want to check eligibility for any of our products, please call us at 919-736-0885 or visit us during our operating hours from Monday to Friday, 8:30 AM to 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore how we can help you take the next step towards your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With total Junior Lien 1-4 Family Residential Property loans reaching $2,113,455, we're here to guide you through every step of securing your dream home. Our experienced team can help you explore refinancing options as well if you're looking to adjust your current mortgage terms.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $524,041 in loans helping members manage their finances effectively. This option allows you to access funds when needed while keeping repayment manageable.

Loan Aggregator

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Ensuring Accurate Comparisons

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FIRST CAROLINA PEOPLE'S CREDIT UNION - Goldsboro, NC