First Peoples Community Credit Union Cresaptown MD

Introduction

Welcome to First Peoples Community! Located at 15200 Mcmullen Hwy Sw, Cresaptown, MD 21502, we've been proudly serving our community since 1959. With a solid foundation built on trust and reliability, our credit union is dedicated to providing exceptional financial services tailored to the needs of our 33,498 members. At First Peoples Community, we understand that each member has unique financial goals. That's why we offer a wide range of services designed to help you thrive. Our total assets amount to an impressive $593,424,413, reflecting our strength in the financial landscape. Whether you're looking to secure a loan from our total of 14,307 loans and leases or make deposits totaling $26,706,043, we've got you covered. Our commitment goes beyond just numbers; it's about fostering relationships within the community. Under the leadership of CEO Randy Olsen and Board President Jeffrey McKenzie, we strive to create a welcoming environment where you can feel confident about your financial decisions. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to P.O. Box 5534, Cresaptown, MD 21505-5534 if different from our physical address. We invite you to explore our offerings further by visiting our website at firstpeoples.com or give us a call at 301-784-3000. Join us in experiencing what it means to be part of a credit union that truly cares about its members' success!

Branch History & Mission

At First Peoples Community, we take pride in our rich history and unwavering mission to support our members and the communities we serve. Established in 1959, our branch has been a cornerstone of financial service in Cresaptown, MD. Over the years, we've grown significantly, now proudly serving over 33,000 members and managing total assets of $593424413. Located at 15200 Mcmullen Hwy SW, Cresaptown, MD 21502, our branch is easily accessible to the community. We are dedicated to being more than just a financial institution; we aim to be a trusted partner in your journey towards financial well-being. Our commitment extends beyond banking; we actively engage in community outreach initiatives that uplift and empower those around us. Our mission is clear: to provide exceptional financial services while fostering a sense of belonging among our members. We understand that every member's journey is unique, which is why we offer personalized solutions tailored to meet individual needs. Whether it's through loans, savings accounts, or financial education programs, we strive to make a positive impact on the lives of our members. While members can visit us at 15200 Mcmullen Hwy Sw Cresaptown Md 21502, official correspondence should be sent to P.O. Box 5534, Cresaptown, MD 21505-5534. Even as we embrace modern advancements like online banking and mobile payments, our focus remains on building lasting relationships with each member who walks through our doors. As part of our growth journey, we've prioritized creating an inclusive environment where everyone feels welcome. Our team is dedicated to ensuring that all services are accessible and user-friendly for all individuals. We invite you to join First Peoples Community and experience firsthand the benefits of being part of a credit union that truly cares about you. Together, let's build a stronger future for ourselves and our community. For more information or to open an account today, please contact us at (301) 784-3000 or visit our website at First Peoples Community.

Branch Location & Accessibility

Welcome to First Peoples Community, your friendly neighborhood credit union located at 15200 Mcmullen Hwy SW, Cresaptown, MD 21502. Our branch is easily accessible and nestled in the heart of Allegany County, making it convenient for our members to stop by whenever they need assistance. If you're coming from nearby landmarks like the Cresaptown Plaza or the beautiful Rocky Gap State Park, you'll find us just a short drive away. Our location boasts ample parking space, so you can park with ease when you visit us. While members can visit us at 15200 Mcmullen Hwy SW, all official correspondence should be directed to P.O. Box 5534, Cresaptown, MD 21505-5534 if you prefer mailing us. We are committed to providing a welcoming environment for everyone. Our branch is ADA compliant, ensuring accessibility for all visitors. Although we currently do not offer ATM services or drive-thru banking, our dedicated staff is ready to assist you inside with any banking needs you may have. At First Peoples Community, we believe in serving our members with convenience and care. We invite you to drop by during our operating hours to experience our personalized service firsthand. If you have any questions or need assistance before your visit, feel free to give us a call at 301-784-3000. We look forward to seeing you soon!

Member Eligibility

Joining the First Peoples Community is like stepping into a welcoming family where your financial needs are prioritized. To become a member, you'll need to meet a few friendly criteria that reflect our commitment to serving those in our community. Generally, individuals who live, work, worship, or attend school in Allegany County are eligible for membership. This means if you're part of this vibrant area, we'd love to have you on board! You can find more detailed eligibility requirements at this link, which offers all the specifics you need. Once you're ready to join us, opening an account is a breeze! Just visit our account opening page for simple steps to get started. If you have any questions or need assistance along the way, feel free to reach out at 301-784-3000. We're here to help you every step of the way as you start your journey with First Peoples Community at 15200 Mcmullen Hwy Sw, Cresaptown, MD 21502. Join us today and experience the benefits of being part of our community-focused credit union!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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 Designed for You

In addition to loans, our merchant services streamline payment processing, making transactions easier for you and your customers. Imagine running a busy café; with our services, accepting payments becomes quick and hassle-free, allowing you to focus on what you do best serving great food and drinks! Located at 15200 Mcmullen Hwy Sw Cresaptown Md 21502 in Cresaptown, MD, we are here to help your business thrive. Reach out today at (301) 784-3000 to discover how we can support your financial journey!

Comprehensive List Of Services

Get Started Today!

Ready to experience the convenience and support that comes with being a member of First Peoples Community? Visit us at our branch location or check out our website at firstpeoples.com for more information on how you can become a member today! Your financial journey starts here, and we're excited to be part of it with you!

Our Services

We provide essential banking solutions designed with our members in mind. One of the key services you can find at First Peoples Community is ATM Services Only. This allows you to access your funds easily and efficiently whenever you need them. Imagine needing cash for an unexpected outing or a last-minute purchase; our ATM service ensures that getting cash is quick and straightforward. In addition to convenient ATM access, our digital banking features make it easier than ever to manage your accounts from the comfort of your home or on the go. You can check your balances, transfer funds, and even pay bills through our online banking platform. Plus, with options for mobile payments and person-to-person transfers, you can handle your finances without any hassle.

Why Choose Us?

Choosing First Peoples Community means you're not just another account number; you're a valued member of our community. We prioritize personalized service and strive to make every interaction pleasant and productive. If you have questions about how to use our services or want advice tailored to your financial situation, don't hesitate to reach out. You can call us at 301-784-3000, and our team will be happy to assist you. We believe that managing finances should be simple and stress-free. That's why we've designed our services around the everyday needs of our members in Cresaptown, MD. Whether it's accessing cash quickly or managing your accounts digitally, we've got you covered.

Digital & Online Banking

Accessibility Made Easy

In today's fast-paced world, having access to your financial information when you need it is crucial. That's why First Peoples Community provides real-time account management through our online services. No more waiting for statements in the mail; everything is available at your fingertips. Embrace the ease and security of digital banking with us at First Peoples Community! Visit https://www.firstpeoples.com/ today to explore all these features and more.

Key Features

With our online banking, checking your account balance, transferring money, or paying bills is just a few clicks away. Our user-friendly interface makes it simple for everyone, whether you're tech-savvy or just getting started with online banking. You can also enjoy the convenience of e-statements, which are not only eco-friendly but help you keep track of your financial activity without all the paper clutter. If you're on the go, you'll love our mobile application. It allows you to manage your accounts right from your smartphone. Plus, with features like mobile payments and person-to-person transfers, sending money to friends or family has never been easier. Whether it's splitting a dinner bill or sending a birthday gift, just a few taps will do the trick!

Security First

Security is our top priority. While we don't currently offer electronic signature authorization, rest assured that your personal information is protected through advanced security measures. We want you to feel safe every time you log in to check your accounts or make transactions.

Financial Strength

Commitment to Growth

Our commitment to growth is evident with $71,231,238 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $3,042 in used auto loans and $453,175,159 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Growing Member Base

We have cultivated a strong community with 64,330 total share accounts. This reflects the trust placed in us by our growing member base. Additionally, net shares available for lending stand at $0, showcasing our ability to support your financial endeavors effectively. 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 15200 Mcmullen Hwy Sw Cresaptown Md 21502 or call (301) 784-3000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $4,028,714, 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 who are dedicated to serving you with a knowledgeable, committed team.

Secure Savings Options

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. We prioritize our members' needs above all else. 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.

Solid Financial Health

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 $1,278 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 provide 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 also offer competitive financing for both new and used vehicles to ensure you find the best option that suits your budget.

Commercial Loans

For business owners in our community, our outstanding commercial loans totaling $56,772,438 provide essential capital needed for growth and expansion. We understand the importance of supporting local businesses and have designed our commercial lending products with this in mind. Our team is committed to ensuring that each member has access to the right financial resources when they need them most. To learn more about our loan offerings or discuss which option might be best for you, don't hesitate to reach out at 301-784-3000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At First Peoples Community Credit Union, we are dedicated to empowering our members through accessible lending options and personalized service.

Credit Lines and Unsecured Loans

For those looking for flexible borrowing solutions, we provide credit lines totaling $87,002,582, designed to help you manage unexpected expenses or fund personal projects. Additionally, our unsecured credit card loans amounting to $5,235,465 can assist you in managing daily costs without the need for collateral. We pride ourselves on offering flexible terms that can adapt to your financial situation.

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 aim to support our members through every step of the home-buying process. If you're considering refinancing your current mortgage, talk to us about eligibility options available that could save you money.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and accuracy, LendMesh empowers users to make informed financial decisions. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers for every user. By relying on data from credible institutions, LendMesh builds a foundation of trust and reliability in loan comparisons. One of the standout features of LendMesh is its use of verified data. All loan offers come from legitimate financial institutions, meaning users can feel confident in the information they receive. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. This commitment to neutrality allows users to view all options fairly. Another key benefit is real-time rate comparisons. Users receive up-to-date loan rates from multiple institutions, which helps them understand their choices better. For instance, one satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underline the platform's effectiveness in aiding users through their borrowing journey. To explore your options and take control of your financial future, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION