First Peoples Community Cumberland MD Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

At First Peoples Community, we believe in the power of community and financial empowerment. Located at 12505 Evitts Creek Dr Se, Cumberland, MD 21502, our branch is dedicated to serving our members with integrity and care. Established in 1959, we have grown into a trusted financial partner for 33,498 members, helping them achieve their financial goals while fostering a sense of belonging. With total assets reaching an impressive $593,424,413, we pride ourselves on being a stable and reliable institution. Our commitment to our members is reflected in our robust offerings total loans amounting to 14,307, total deposits of $26,706,043, and a net worth of $75,867,210. We understand that your financial journey is unique, which is why we provide personalized services tailored to meet your needs. Our CEO, Randy Olsen, along with Board President Jeffrey McKenzie, leads a dedicated team of 154 employees who are passionate about making a positive impact in the lives of our members. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we're here to guide you every step of the way. While members can visit us at our branch for all their banking needs, we also offer modern conveniences like online and mobile banking to ensure you can manage your finances anytime and anywhere. Ready to experience exceptional service? Don't hesitate to call us at 301-784-3000 or visit our website at www.firstpeoples.com for more information. Join us today and become part of a community that truly cares!

Branch History & Mission

A Call to Action

As we look toward the future, we invite you to join the First Peoples Community family. Whether you're looking for a reliable place to save or needing assistance with your financial goals, we're here for you every step of the way. Experience firsthand how our community-focused approach can benefit you. For more information or to open an account today, please visit our website or call us at 301-784-3000. Together, let's build a brighter future!

Our Journey

Located at 12505 Evitts Creek Dr SE in Cumberland, our branch stands as a beacon of support and service in Allegany County. Over the decades, we have embraced change and innovation while holding true to our core values of community and cooperation. Our operating hours from 8:00 am to 6:00 pm on weekdays and 8:00 am to 3:00 pm on Saturdays reflect our dedication to being available when our members need us most. With a drive-thru service and ATM available for convenience, we ensure that accessing your finances is straightforward and hassle-free. While we encourage visits at our branch address for personalized service and support, please note that any official correspondence should be sent to the same location since there is no separate mailing address.

Our Mission

At the heart of First Peoples Community is our mission to provide exceptional financial services while uplifting the communities we serve. We believe in fostering strong relationships with our members by offering a range of products tailored to their needs including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also understand the importance of supporting local businesses through dedicated services such as merchant services and business loans. Beyond just banking, we are committed to making a positive impact in Cumberland. Our outreach initiatives focus on education and empowerment within our community. We work hard to create partnerships that enhance local resources and opportunities for everyone.

Branch Location & Accessibility

Convenient Access and Amenities

At First Peoples Community, we prioritize your convenience. Our branch features ample parking and is designed to be accessible for everyone, including those who may require ADA-compliant facilities. With our drive-thru service, you can handle simple transactions without leaving your vehicle. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need them.

Friendly Hours Just for You

We understand that life can get busy, which is why our operating hours are designed to fit your schedule. Visit us on weekdays from 8:00 AM to 6:00 PM or stop by on Saturday from 8:00 AM to 3:00 PM. Our dedicated team is here to provide support and answer any questions you may have about our services.

Get in Touch

Ready to experience convenient banking? We invite you to visit us at First Peoples Community or give us a call at 301-784-3000. Our staff is eager to assist you with personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more! Join our community today and discover all the benefits of being a member at First Peoples Community!

Member Eligibility

Welcome to the First Peoples Community, where becoming a member is like joining a caring family that looks out for one another. If you're interested in membership, it's great to know that eligibility is open to anyone who lives, works, worships, or attends school in Allegany County and surrounding areas. This inclusive approach means that we're excited to welcome you into our community. To discover the specific eligibility requirements and ensure you qualify, feel free to check out our detailed information at this link. Joining us is straightforward! Once you confirm your eligibility, opening an account with First Peoples Community is just a few easy steps away. You can get started online by visiting this page. If you have any questions or need assistance during the process, don't hesitate to call us at 301-784-3000. We're here to help you every step of the way as you embark on this exciting journey with us at our branch located at 12505 Evitts Creek Dr Se, Cumberland, MD 21502.

Business Banking & Commercial Services

At First Peoples Community, we understand that running a business comes with its own set of challenges and opportunities. Whether you're a startup or an established company, having the right financial support can make all the difference. 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. But our services don't stop at loans. Our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine having a partner who not only provides funding but also helps you manage transactions smoothly, enhancing your customer experience. Located at 12505 Evitts Creek Dr Se Cumberland Md 21502 in Cumberland, MD, we're here to help your business thrive. Reach out to us at (301) 784-3000 or visit our website at https://www.firstpeoples.com/ for more information on how we can assist you in achieving your goals!

Comprehensive List Of Services

Business Banking

For our local business owners, we understand that running a business comes with its unique challenges. Our Business Banking services include everything from Merchant Services to facilitate payments, to various types of Business Loans that can help you grow and thrive.

Digital Convenience

In today's fast-paced world, convenience is key. With our robust Online & Mobile Banking, managing your finances has never been easier. Check your balance, transfer funds, or pay bills right from your smartphone or computer. And if you prefer cash transactions, we provide easy access through our ATM & Cash Withdrawal Services, along with a basic drive-thru option for deposits and withdrawals.

Financial Flexibility

Sometimes life throws unexpected expenses your way. That's why we also offer Personal Loans & Debt Consolidation solutions that provide financial flexibility when you need it most. Plus, with our Credit Cards with Rewards, you can earn points on your everyday purchases, turning spending into savings.

Personal Banking Solutions

Whether you are starting your journey with checking and savings accounts or looking to consolidate debt, we have you covered. Our Personal Banking options include checking and savings accounts tailored to fit your lifestyle. Need a new car? Our Auto Loans & Vehicle Financing make it easy for you to get behind the wheel without breaking the bank. For those looking to purchase a home or refinance their existing mortgage, our Mortgage Loans & Refinancing services can help you navigate the process smoothly.

Supporting Your Daily Transactions

We aim to simplify your daily banking needs with basic ATM access for quick withdrawals and balance checks. Whether you're stopping by for a quick transaction or need assistance with more complex banking services, our friendly staff is here to help during our operating hours: weekdays from 8:00 am to 6:00 pm and Saturdays from 8:00 am to 3:00 pm. At First Peoples Community, every service is designed with you in mind ensuring that whether you're saving for the future or managing day-to-day expenses, you have the tools necessary for success. Ready to take the next step? Visit us today at 12505 Evitts Creek Dr Se, call us at 301-784-3000, or explore more online at firstpeoples.com. Your financial journey starts here!

Digital & Online Banking

Key Services for Your Convenience

With our online banking services, you can easily check balances, pay bills, and transfer money all from the comfort of your home. Our mobile application allows you to manage your accounts right from your smartphone, making banking as simple as tapping a button. Plus, with 24/7 access to your accounts, you'll never miss a beat. We also know how important it is for you to stay on top of your finances, which is why we offer features like e-statements. You can access your statements electronically whenever you need them, helping you reduce paper clutter while keeping everything organized.

Secure and User-Friendly Experience

Your security is our top priority. While we don't currently support electronic signature authorization, rest assured that all transactions are protected with robust security measures. When it comes to payments, our mobile payments feature enables quick and easy transactions without the need for cash or cards. Additionally, our person-to-person transfer service lets you send money to friends and family effortlessly no need for checks or cash exchanges. It's just another way we make banking easier for you. In summary, First Peoples Community offers a comprehensive range of digital banking tools that prioritize convenience and security. Explore more about our services by visiting our website today! Whether you're checking balances or making payments on the go, we have everything you need right at your fingertips.

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 understand that in today's world, trust and reliability are paramount. That's why we are proud to share insights into our robust 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 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. This means your investments are not only safe but also working for you. 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 supports members' financial goals across various sectors with $3,042 in used auto loans and $453,175,159 in total loans and leases. This is just one way we help make your dreams achievable. Our operational efficiency is reflected in our $1,903,774, which allows 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. Total Share and Deposit Accounts stand at 64,330, showing a strong and growing member base that trusts us with their finances. 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 12505 Evitts Creek Dr Se Cumberland Md 21502 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have competitive rates and flexible terms to suit your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $56,772,438 provide the capital needed to grow and expand your business. We understand the challenges entrepreneurs face and aim to provide financing solutions that empower you to succeed. We also offer refinancing options for many of our loan products, allowing you to adjust your current terms for better rates or payment plans that suit your lifestyle better. If you're unsure about eligibility, check out our membership requirements here. If you're ready to explore your loan options or have questions, feel free to contact us at (301) 784-3000 or visit us at 12505 Evitts Creek Dr Se Cumberland Md 21502 in Cumberland, MD. At First Peoples Community, we're here to help you navigate your financial journey every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

For those looking for more flexibility in managing their finances, we also provide access to credit lines totaling $87,002,582. This can help you cover unexpected expenses or fund personal projects. Additionally, we offer unsecured credit card loans with a total of $5,235,465 available. These cards come with flexible terms designed to help you manage spending effectively while building credit.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $74,455,873, make buying or refinancing simple. With our expert guidance and support throughout the process, you can move closer to owning your dream home without unnecessary stress.

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FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION - Cumberland, MD

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