First Peoples Community Ridgeley WV Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to First Peoples Community in Ridgeley, West Virginia! Located at 3116 Frankfort Hwy, our branch has been serving members since 1959. With a rich history and a strong commitment to our community, we have grown to support over 33,498 members, helping them achieve their financial goals. At First Peoples Community, we take pride in our robust financial health, with total assets reaching an impressive $593,424,413 and total deposits of $26,706,043. Our dedicated team of 154 employees, led by CEO Randy Olsen and Board President Jeffrey McKenzie, works tirelessly to ensure that you receive the best possible service and support. We understand that financial needs vary from person to person. That's why we offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. Whether you're looking for a new vehicle or considering a mortgage for your dream home, we've got you covered with tailored solutions that fit your lifestyle. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 1377, Cumberland, MD 21501. We invite you to explore our website at firstpeoples.com for more information about our services or to start your membership journey. Your trust is important to us. We are here not just as a credit union but as your partner in achieving financial success. If you have any questions or need assistance, don't hesitate to reach out at 301-784-3000 or stop by during our lobby hours Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 3 PM. Join us today and experience the difference with First Peoples Community!

Branch History & Mission

At First Peoples Community, we take pride in our rich history and unwavering commitment to serving the community of Ridgeley, West Virginia. Since opening our doors in 1959, we have grown from a small financial institution into a trusted partner for over 33,000 members. Our branch is located at 3116 Frankfort Hwy, a convenient spot for all your banking needs, close to the scenic Potomac River and just a short drive from the vibrant city of Cumberland. Our mission is simple yet profound: to empower our members with accessible financial services while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, whether that's saving for a new home, financing a vehicle, or managing day-to-day expenses. With total assets exceeding $593 million, we are equipped to provide personalized support tailored to each member's unique situation. Over the years, we have continually adapted to meet the evolving needs of our members. From introducing online and mobile banking services to enhance convenience, to ensuring ADA compliance so that all individuals can access our facilities with ease, we prioritize inclusivity and innovation. Our branch features an ATM for quick transactions and drive-thru banking for added convenience. While members can visit us at 3116 Frankfort Hwy Ridgeley Wv 26753, official correspondence should be sent to PO Box 1377, Cumberland, MD 21501. Our friendly team is here during operating hours Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 3 PM to assist you with everything from personal banking solutions like checking and savings accounts to business services and loans. At First Peoples Community, we also cherish our role as community stewards. We actively engage in outreach efforts and partnerships that uplift local initiatives and support those in need. This commitment not only strengthens our bonds with the community but also enriches the lives of our members. Join us today and experience firsthand the benefits of being part of First Peoples Community. Together, let's build a brighter financial future! For more information about becoming a member or accessing our services, visit our website or call us at 301-784-3000.

Branch Location & Accessibility

Contact Us

If you have questions or need assistance before visiting, don't hesitate to give us a call at 301-784-3000. We're excited to help you with all your banking needs! Whether you're a current member or considering joining us, we invite you to stop by First Peoples Community in Ridgeley today!

Convenient Access

At First Peoples Community, we understand that accessibility is key. Our branch features ADA-compliant entrances and parking spaces to ensure everyone can visit us with ease. If you're driving, you'll find ample parking right outside our doors. Plus, we offer a drive-thru service for those quick transactions without the need to step inside.

Operating Hours

We want to make your banking experience as smooth as possible. Our lobby hours are designed for your convenience: we're open Monday through Friday from 8 AM to 6 PM and Saturdays from 8 AM to 3 PM. Feel free to drop by during these times; our dedicated team is ready to assist you with any of your financial needs.

Services Offered

While visiting us, you can take advantage of various services tailored just for you! From personal banking options like checking and savings accounts to auto loans and mortgages, we've got what you need. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. For those who prefer online banking, we also offer mobile banking services that let you manage your finances on the go.

Member Eligibility

At First Peoples Community, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming. If you live, work, or worship in the local area, or if you have a family member who is already a member, you're likely eligible to join us! We take pride in offering our members various benefits, such as competitive rates on loans and savings accounts, personalized service, and access to valuable financial resources. To see all the details about our eligibility criteria, please visit our website at http://www.firstpeoples.com/about/become-a-member/membership-requirements. Ready to open your account? The process is quick and easy! You can start your journey with us by visiting https://firstpeoples.symapp.jhahosted.com/. If you have any questions or need assistance, feel free to give us a call at (301) 784-3000. We're here to help you every step of the way and look forward to welcoming you into the First Peoples Community family at our location: 3116 Frankfort Hwy Ridgeley Wv 26753!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

Imagine a busy café needing quick payment processing during the morning rush. Our merchant services ensure that your transactions are smooth and efficient, allowing you to focus on serving your customers instead of worrying about payments. From point-of-sale systems to online payment options, we make it easier for you to manage sales and enhance customer satisfaction. Located at 3116 Frankfort Hwy Ridgeley Wv 26753 in Ridgeley, WV, we're here to help your business thrive. Contact us today at (301) 784-3000 or visit us online at https://www.firstpeoples.com/ to learn more about how our services can benefit you!

Tailored Loan Options for Your Business

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 & Drive-Thru Services

Need cash quickly? Take advantage of our ATM services for withdrawals and balance checks without stepping inside the branch. If you prefer face-to-face interactions but want a quick transaction, our drive-thru banking allows for deposits and withdrawals with minimal wait time. At First Peoples Community, we're not just a financial institution; we're a community partner committed to supporting you every step of the way. Our friendly staff is always ready to assist with any questions you may have. Ready to explore what we can do for you? Call us at (301) 784-3000 or visit us at 3116 Frankfort Hwy Ridgeley Wv 26753 today! Discover how Short Gap can help you achieve your financial goals with personalized service tailored just for you.

Business Banking

For our business members, First Peoples Community offers specialized services including merchant services and business loans. We know how important it is for businesses to have access to reliable banking solutions that foster growth and stability.

Credit Options

We understand that sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can help you get back on track. Plus, with credit cards featuring rewards programs, you can earn benefits just by using your card for everyday purchases.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. Access your accounts anytime, anywhere through our user-friendly mobile app or website. You can make transactions, check balances, and even conduct person-to-person payments all from the comfort of your own home or on the go.

Personal Banking

When it comes to personal banking, we offer an assortment of options designed to fit your lifestyle. You can open checking and savings accounts that help you manage your everyday expenses while also saving for those special moments. If you're in the market for a new car, our auto loans provide flexible financing options that make it easy to get behind the wheel without breaking the bank. For larger purchases like a home, explore our mortgage loans and refinancing opportunities designed to help you secure the best rates possible.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. You'll also enjoy the convenience of e-statements, which help you stay organized and reduce paper clutter no more waiting for statements to arrive in the mail! If you're always on the go, check out our mobile application. It's user-friendly and makes banking even easier. With features like mobile payments, you can make purchases directly from your phone, ensuring that you're never without access to your funds. Plus, sending money is a breeze with our person-to-person transfer option perfect for splitting bills or sending gifts to friends and family.

Security and Accessibility

Your security is our top priority. Although we currently don't offer electronic signature authorization, rest assured that all transactions made through our online platform are protected with robust security measures. We want you to feel safe while managing your money. With everything accessible at your fingertips, real-time account management has never been simpler. Whether you're checking balances during your lunch break or paying bills from the comfort of your home, First Peoples Community keeps you connected to your finances effortlessly. Join us today and experience how convenient banking can be with First Peoples Community!

Financial Strength

Commitment to 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 lending capacity supports your financial goals with $3,042 in used auto loans and $453,175,159 in total loans and leases.

Member Trust

Total Share and Deposit Accounts: 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 3116 Frankfort Hwy Ridgeley Wv 26753 or call (301) 784-3000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $1,903,774 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, 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. 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 $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. Whether you're interested in financing a brand-new model or a reliable used car, our team is here to assist you throughout the process.

Business Loans

For business owners, our outstanding commercial loans totaling $56,772,438 provide the capital needed to grow and expand your ventures. Whether you're looking to invest in equipment or manage cash flow for day-to-day operations, we're here to support your business goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $74,455,873, tailored to fit various budgets and preferences. Our mortgage specialists will guide you through every step of the process to ensure you find the right solution for your needs.

Refinancing Options

If you're considering refinancing any of your existing loans for better terms or lower rates, our knowledgeable team can help you evaluate your options and determine eligibility. We aim to provide solutions that work best for your financial situation. At First Peoples Community, we prioritize transparency and accessibility in all our offerings. For further details about our loan products or if you have questions regarding eligibility requirements, please reach out to us at 301-784-3000 during our operating hours from Monday to Friday (8 AM - 6 PM) and Saturday (8 AM - 3 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. Join us today at First Peoples Community where we turn your financial dreams into reality!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $5,235,465 in loans helping members manage their finances effectively. This option allows you to access funds when needed while enjoying competitive interest rates and rewards on purchases.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means users receive fair and transparent offers, helping them identify the best options for their borrowing needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve the user's best interests. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can confidently choose loans that suit their financial situation. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of using LendMesh as a reliable tool for securing better loan rates. Ready to start comparing? 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 - Ridgeley, WV

Compare Loan Rates Near You

Loan rates in Ridgeley, WV (26753)