First Peoples Community Credit Union Accident MD | Affordable Auto Loans & Personal Banking

Introduction

Welcome to First Peoples Community, your trusted partner in financial wellness since 1959. Located at 106 N Main St, Accident, MD 21520, we proudly serve a vibrant community of over 33,498 members. Our commitment to fostering financial growth and stability is reflected in our impressive total assets of $593,424,413 and total deposits reaching $26,706,043. At First Peoples Community, we understand the importance of personalized service. Under the leadership of our dedicated CEO, Randy Olsen, and Board President, Jeffrey McKenzie, we aim to create an inclusive environment where everyone feels valued and supported. With a team of 154 employees, we are here to assist you with a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. While members can visit us at our branch for all their banking needs, please note that official correspondence should be sent to our mailing address: PO BOX 1377, CUMBERLAND, MD 21501-1377. With a net worth of $75,867,210 and cash in hand amounting to $9,295,665, we are financially sound and ready to help you achieve your goals. Whether you're looking for loans over 14,307 currently active or simply want to open an account online through our user-friendly platform at First Peoples Community, we're here for you every step of the way. Join us today as we work together towards a brighter financial future! For any inquiries or assistance, feel free to reach out at 301-784-3000. We look forward to serving you!

Branch History & Mission

The story of First Peoples Community in Accident, MD, is one of growth, dedication, and service. Established in 1959, this branch has served as a cornerstone for financial support and community engagement for over six decades. Located at 106 N Main St, it stands proudly in the heart of Accident, a town known for its charming atmosphere and welcoming residents. Throughout its history, First Peoples Community has evolved to meet the changing needs of its members. From its humble beginnings, it has grown to serve a vibrant community with a total membership of 33,498. Over the years, we have expanded our services and resources to ensure that our members have access to the best financial solutions available. Today, our total assets amount to an impressive $593,424,413, allowing us to offer a wide range of products and services that cater to both personal and business banking needs. At First Peoples Community, our mission is clear: to empower our members through exceptional financial services while fostering a strong sense of community. We are committed to providing personal banking options such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our services extend beyond traditional banking; we also offer business banking solutions that include merchant services and business loans. While members can visit us at 106 N Main St, official correspondence should be sent to PO BOX 1377, CUMBERLAND, MD 21501-1377. We strive to make banking accessible for everyone in our community. This includes offering ATM availability for convenient cash withdrawals and balance checks. Our operating hours reflect our commitment to serving you when you need us most our lobby is open from 8:00 am to 6:00 pm on weekdays and 8:00 am to 3:00 pm on Saturdays. Although we currently do not have drive-thru service or shared service centers available, we ensure that your experience with us remains efficient and customer-focused through our online and mobile banking platforms. Community outreach is also central to our mission. We actively seek partnerships with local organizations and engage in initiatives that support those in need within our community. Whether it's sponsoring events or providing financial education workshops, we believe in giving back. As we continue this journey together, we invite you to join First Peoples Community. Experience the difference of being part of a credit union that genuinely cares about your financial well-being and community growth. Reach out today at 301-784-3000 or visit us online at First Peoples Community for more information on becoming a member!

Branch Location & Accessibility

A Welcoming Environment

We understand that finding a bank that meets your needs is essential, and we're here to help. Our branch features accessible parking and facilities that comply with ADA standards, ensuring everyone can visit us comfortably. While you're here, feel free to take advantage of our ATM services for quick cash withdrawals and balance checks.

Operating Hours Tailored for You

At First Peoples Community, we know your time is valuable. That's why we offer flexible hours to suit your schedule. We're open weekdays from 8:00 am to 6:00 pm and Saturdays from 8:00 am to 3:00 pm. Whether you need assistance with personal banking, loans, or online banking services, our friendly team is ready to assist you during these hours.

Reach Out Anytime

Have questions? Don't hesitate to give us a call at 301-784-3000. Our knowledgeable staff is eager to help with anything from setting up accounts to discussing your financial goals.

Visit Us Today!

While members can visit us at 106 N Main St, official correspondence should be sent to our mailing address at PO BOX 1377, CUMBERLAND, MD 21501-1377. We invite you to stop by our branch or call us today to discover how we can support your financial journey!

Member Eligibility

Joining the family at First Peoples Community is a wonderful way to gain access to personalized financial services and a supportive community. To become a member, you'll need to meet some friendly eligibility requirements, which primarily focus on individuals who live, work, worship, or attend school in our service area. This means that if you're part of our local community in or around 106 N Main St Accident Md 21520, you're likely eligible! We aim to make this process as easy and welcoming as possible, so don't hesitate to reach out with any questions or for more details about your specific situation. You can find further information about the membership criteria by visiting this link. Opening an account is just as simple! Once you're ready to take the next step towards membership, check out our account opening page at this link. If you prefer speaking directly with someone, feel free to call us at (301) 784-3000. We're here to help you every step of the way in making First Peoples Community your financial home!

Business Banking & Commercial Services

Merchant Services That Empower

Imagine running your business with confidence, knowing you have reliable merchant services at your fingertips. Our tailored payment solutions make it easy for you to accept various forms of payment, enhancing customer satisfaction and streamlining operations. From credit card processing to mobile payments, we provide the tools you need to focus on what matters most growing your business. Visit us at 106 N Main St Accident Md 21520 or call us at (301) 784-3000 to learn more about how our business banking services can benefit you today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $217 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $56,772,438, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing cash is easy with our ATM services located throughout the area. Our basic ATM access allows you to withdraw funds and check balances without any hassle. At First Peoples Community, we pride ourselves on being more than just a financial institution; we're a community partner committed to helping you achieve your financial goals. With our branch conveniently located at 106 N Main St Accident MD 21520, don't hesitate to reach out at 301-784-3000 for any inquiries. Ready to explore what we can do for you? Visit us today or check out our website at firstpeoples.com for more information!

Auto Loans & Vehicle Financing

If you're planning to purchase a vehicle, our Auto Loans & Vehicle Financing can help make that dream a reality. With competitive rates and flexible terms, you can find an option that fits your budget perfectly. Picture yourself cruising down the road in your new car our loan process makes it easier than ever!

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking services including merchant services and business loans. We know how important it is to have reliable financial support as you grow your business.

Credit Cards with Rewards

With our Credit Cards with Rewards, you can earn points on everyday purchases. Imagine getting cash back or travel rewards just for using your card! It's a great way to enjoy additional benefits while managing your spending.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed to assist you through the entire process. We offer tailored solutions that suit your unique situation, helping you secure the best rates available.

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options, including checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds anytime you need them! Our online and mobile banking services make it simple to check balances, transfer money, and pay bills right from your phone or computer.

Personal Loans & Debt Consolidation

Life brings unexpected expenses, and that's where our Personal Loans & Debt Consolidation come into play. Whether it's for medical bills, home repairs, or consolidating debt into one manageable payment, we're here to provide support when you need it most.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check your balances, pay bills, and transfer money with just a few clicks. Whether you're using a computer or our mobile application, you'll find it user-friendly and straightforward. You can also enjoy the convenience of e-statements, which are available for all members. This means no more paper clutter; everything you need is just a click away! Need to send money to friends or family? Our person-to-person transfer feature makes it simple and fast to send cash directly from your account. Plus, if you're on the go, you can use mobile payments to make purchases right from your phone no wallet required!

Security & Accessibility

Your security is our top priority. We ensure that all transactions are protected with advanced security measures so that you can bank confidently. And if you prefer the ease of signing documents electronically, we offer electronic signature authorization for many of our services. With these tools at your fingertips, managing your finances has never been easier. Explore everything our digital banking options have to offer and experience the freedom of real-time account management at First Peoples Community today!

Financial Strength

At First Peoples Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our solid financial foundation, built on trust and dedicated service. With a net worth of $75,867,210, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.78% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $160,446,196 in share certificates and $7,957,015 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. With $71,231,238 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant as well; with $3,042 in used auto loans and $453,175,159 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is evident with a net income of $1,903,774, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 141 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The strength of First Peoples Community is reflected in the trust of our growing member base; currently boasting 64,330 share accounts. This indicates that more people are choosing us as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Peoples Community is your trusted partner. Visit us at 106 N Main St Accident Md 21520 or call (301) 784-3000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $54,510,885 in used vehicle loans and $43,002,199 in new vehicle loans already helping members get on the road. We provide flexible financing options that can be tailored to fit your budget and lifestyle.

Credit Lines and Unsecured Credit Cards

For those who need extra flexibility in managing their finances, we provide credit lines totaling $87,002,582 as well as unsecured credit card loans amounting to $5,235,465. These options allow you to access funds when you need them most without the burden of collateral.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $74,455,873, make buying or refinancing simple. We offer competitive rates and terms to ensure that your journey to owning a home is smooth and affordable.

Refinancing Options

If you're considering refinancing existing loans or mortgages for better rates or terms, our team can guide you through the process. We have various eligibility options available to help make refinancing accessible and beneficial for you. At First Peoples Community, our aim is to empower you with the financial tools necessary for success. 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're committed to providing reliable services that cater to your individual needs while ensuring transparency in all our transactions. Explore how we can assist you with your loan needs today!

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FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION - Accident, MD

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