First Peoples Community Cresaptown MD Credit Union | Best Auto Loans & Personal Banking

Introduction

Welcome to First Peoples Community, your trusted partner in financial well-being since 1959. Located at 15304 Mcmullen Hwy SW, Cresaptown, MD 21502, our branch is committed to providing personalized banking solutions to our growing community of over 33,498 members. Whether you're looking for a reliable place to save or need assistance with loans, we are here to help you every step of the way. At First Peoples Community, we pride ourselves on our financial strength and stability. With total assets amounting to an impressive $593,424,413 and total deposits of $26,706,043, we ensure your money is safe and working for you. We have also made significant strides in lending, offering a total of 14,307 loans and leases that reflect our dedication to supporting local families and businesses. We understand that banking is more than just numbers; it's about building relationships. Our experienced team of 154 employees, led by CEO Randy Olsen and Board President Jeffrey McKenzie, is dedicated to providing exceptional service tailored to meet your unique needs. For your convenience, while you can visit us at our Cresaptown location for all your banking needs, please send any official correspondence to our mailing address: PO BOX 1377, Cumberland, MD 21501-1377. Explore our range of services from checking and savings accounts to auto loans and business financing on our website at www.firstpeoples.com. We're here to support you with modern banking features like online and mobile banking options. If you have questions or need assistance, don't hesitate to reach out at 301-784-3000. Your journey towards financial success starts here!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the First Peoples Community family. Experience firsthand how we can help you reach your financial aspirations with dedicated support and tailored services. Whether you're looking for a reliable place to save or need assistance with loans and investments, we're here for you every step of the way. Come visit us during our convenient hours Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 3 PM or give us a call at 301-784-3000. Join us today and discover the benefits of being part of a credit union that truly cares!

Our Journey

Located at 15304 McMullen Hwy SW, Cresaptown, MD 21502, our branch has become a cornerstone of the community. For more than six decades, we have provided essential banking services that empower individuals and families to achieve their financial goals. From the very beginning, our focus has been on delivering personalized service and building lasting relationships with our members. Throughout the years, we've embraced change and innovation while staying true to our core values. We have adapted to the needs of our members by introducing modern digital banking solutions like online banking and mobile payments, ensuring that accessing your accounts is easier than ever. Additionally, we maintain ADA compliance to make sure all members can access our services comfortably.

Our Mission

At First Peoples Community, our mission is clear: to provide accessible financial services while uplifting the communities we serve. We strive not just to be a bank but a partner in your journey toward financial success. Our offerings include personal banking products like checking and savings accounts, auto loans, mortgages, business banking services, and much more. We believe in giving back. Our partnerships with local organizations allow us to support initiatives that strengthen our community ties. By actively engaging in outreach efforts, we contribute to the growth and welfare of Cresaptown and beyond. While members can visit us at 15304 McMullen Hwy SW, official correspondence should be sent to PO BOX 1377, Cumberland, MD 21501-1377 if needed.

Branch Location & Accessibility

Accessibility Features

We pride ourselves on making our branch welcoming and accessible for everyone. With ADA-compliant features and convenient parking options, visiting us is a breeze. If you need to access our services quickly, take advantage of our drive-thru banking, where you can handle deposits and withdrawals without leaving your vehicle.

Get in Touch!

Have questions? Don't hesitate to give us a call at 301-784-3000! We invite you to come visit us today at First Peoples Community in Cresaptown. Let us help you achieve your financial goals with friendly service and expert guidance!

Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open Monday through Friday from 8 AM to 6 PM, and on Saturday from 8 AM to 3 PM, so you can choose a time that works best for you. Whether you're stopping by during your lunch break or after work, we're here to serve you.

Services Offered

At First Peoples Community, we offer a range of services tailored to meet your financial needs. From personal banking like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, our ATM is available for quick cash withdrawals anytime you need it. While members can visit us at 15304 McMullen Hwy SW, official correspondence should be sent to PO BOX 1377, Cumberland, MD 21501-1377 if needed.

Member Eligibility

Joining the First Peoples Community feels like stepping into a warm, welcoming family where your financial needs are truly understood. To become a member, you'll find that eligibility is designed to be inclusive. Whether you live, work, worship, or attend school in certain areas of Allegany County, Maryland, you can easily join our community. We believe everyone deserves access to personalized financial services and support. As a member, you will enjoy various benefits such as competitive loan rates, tailored banking solutions, and a friendly staff dedicated to helping you succeed. To start your journey with us at 15304 Mcmullen Hwy Sw Cresaptown Md 21502, simply check out the detailed eligibility criteria at this link. If you're ready to open an account and experience all that we offer, visit our account opening page here. For any questions or assistance along the way, feel free to give us a call at 301-784-3000. We're excited to welcome you to our community!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Imagine having the financial support to turn your vision into reality. 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.

Merchant Services Made Easy

In today's fast-paced market, having reliable merchant services can make a world of difference. Our tailored solutions streamline payment processing, allowing you to focus on what truly matters running your business. With us, you can accept payments seamlessly, manage transactions efficiently, and enhance customer satisfaction. Visit us at 15304 Mcmullen Hwy Sw Cresaptown Md 21502 in Cresaptown, MD, or call us at (301) 784-3000 to discover how our business banking and commercial services can support your journey toward success!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer specialized services including merchant services and business loans tailored to help you thrive in today's competitive market. Imagine having access to financial solutions that support both day-to-day operations and long-term growth strategies.

Convenient Access Anytime

At First Peoples Community, we understand that convenience is key. With our ATM services, you can withdraw cash or check balances whenever needed. If you're visiting us at our branch located at 15304 Mcmullen Hwy Sw Cresaptown MD 21502, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. We invite you to explore all these services and more by visiting us online at First Peoples Community or giving us a call at 301-784-3000. Our friendly staff is ready to assist you Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 3 PM. Ready to take control of your financial future? Join us today!

Credit Options That Reward You

Our credit cards with rewards give you the chance to earn while you spend. Whether it's cash back on groceries or travel points for your next vacation, every purchase counts toward rewards that can enhance your lifestyle. Plus, managing your credit has never been easier with our online tools that keep you informed about your spending habits.

Financing Your Dreams

If you're in the market for a new vehicle or considering refinancing your mortgage, we have you covered with our auto loans and mortgage options. Picture driving off in your dream car with a manageable loan that fits your budget. Our experienced team will guide you through every step of the financing process. For those looking to consolidate debt or make a big purchase, our personal loans are here to help you achieve your goals without added stress.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. We know that managing your finances can be overwhelming, which is why we offer simple and straightforward options that fit your lifestyle. Imagine having the flexibility to access your funds anytime through our online and mobile banking platforms. You can check balances, transfer money, and even pay bills from the comfort of your home or on-the-go.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.firstpeoples.com/ , you can check your balances, transfer funds, and pay bills from the comfort of your home or while out and about. Our user-friendly mobile application enhances this experience, putting the power of banking right in your pocket. You can even make person-to-person transfers with just a few taps, making it simple to send money to friends and family whenever you need to.

Making Payments Easy

For those who love the convenience of mobile payments, First Peoples Community has you covered. With our mobile payments feature, you can make purchases directly from your smartphone no cash or cards needed! This added layer of convenience means less time fumbling for payment methods and more time enjoying what matters most. At First Peoples Community, we're committed to providing you with the tools you need for real-time account management and peace of mind. Explore all our digital banking options today and see how easy it is to stay connected with your finances!

Stay Informed and Secure

We prioritize your security with features like e-statements, allowing you to keep track of your account activity without the hassle of paper statements. This not only helps reduce clutter but also ensures that your financial information is kept safe and accessible only to you. Plus, with our electronic signature authorization feature currently not offered, you can feel confident knowing that your transactions are secure.

Financial Strength

Growing Membership Base

Our total share accounts stand at 64,330, showing a strong and growing member base that trusts us with their finances. This growing community reinforces our commitment to delivering exceptional service tailored to your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving for a new home or planning your next big purchase, First Peoples Community is your trusted partner. Visit us at 15304 Mcmullen Hwy Sw Cresaptown Md 21502 or call us at 301-784-3000 to learn more about how we can help you achieve your financial goals.

Member Savings and Investment Opportunities

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.

Operational Efficiency

Our impressive net income of $4,028,714 reflects our operational efficiency, enabling 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 and committed team.

Reinvestment for Future Growth

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 capacity to lend is reflected in our total loans and leases amounting to $453,175,159, which supports members' financial goals across various sectors including $30,420,000 in used auto loans.

Strong Financial Position

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.

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 financing for both new and used vehicles, making it easier for you to drive away with the car you want.

Business Loans

For business owners, our outstanding commercial loans totaling $56,772,438 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; that's why we're dedicated to offering solutions that meet your needs.

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. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any of your existing loans whether it's an auto loan or mortgage our team can help you explore your options. We aim to make the refinancing process as straightforward as possible so you can take advantage of better rates or lower monthly payments. You can reach us at 301-784-3000 or visit our branch located at 15304 Mcmullen Hwy Sw Cresaptown MD 21502 for personalized assistance. For more details on eligibility and membership requirements, check out this link. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let First Peoples Community be your partner in achieving your financial aspirations!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,235,465 in loans helping members manage their finances effectively. These cards come with competitive rates and no collateral required, making them an excellent option for those who need quick access to funds.

Loan Aggregator

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FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION - Cresaptown, MD