--- title: "First Carolina People's Credit Union Rates (Nov 2026): CDs to 3.80%" description: "First Carolina People's Credit Union rates today: vehicle loans from 8.25% APR, savings & CDs up to 3.80% APY, personal loans from 8.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First Carolina People's Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/first-carolina-peoples" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Carolina People's Credit Union Rates (Nov 2026): CDs to 3.80% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Mobile Home Loans (new without land)** other | — APR | 7.030% | — | Standard | | **Mobile Home Loans (used without land)** other | — APR | 8.030% | — | Standard | First Carolina People's Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.500% | 84 mo · new | Standard | | **New Vehicle Loan 90% financing** auto_new_84mo | — APR | 5.500% | 84 mo · new | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 6.250% | 84 mo · used | Standard | | **New Vehicle Loan 100% financing** auto_new_84mo | — APR | 6.500% | 84 mo · new | Standard | | **New RV / Camper / Trailer / Pop-up / Fold-down** rv_new_120mo | 8.250% APR | 8.250% | 120 mo · new | Standard | | **New Boat Loan** boat_new | 8.250% APR | 8.250% | new | Standard | | **Used Boat Loan** boat_used | 8.250% APR | 8.250% | used | Standard | | **Used Vehicle Loan 100% financing** auto_used_84mo | — APR | 8.250% | 84 mo · used | Standard | | **Used RV / Camper / Trailer / Pop-up / Fold-down** rv_used_120mo | — APR | 8.250% | 120 mo · used | Standard | First Carolina People's Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Certificate-Secured Loan** personal_secured | — APR | 3.750% | — | Standard | | **Open-end Personal Loan** personal_unsecured | — APR | 8.000% | — | Standard | | **Personal Line of Credit** ploc_variable | 8.000% APR | 8.000% | — | Standard | | **Comaker Loan** personal | — APR | 13.000% | — | Standard | | **Quick Cash Loan** personal | — APR | 15.000% | — | Standard | First Carolina People's Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 8.000% | — | Standard | First Carolina People's Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Share Drafts** checking | 0.05% APY | 0.05% | — | Standard | | **Master Share** savings | — APY | 0.07% | — | Standard | | **IRA Certificate** ira_cd | 3.04% APY | 3.00% | — | Standard | | **IRA's** ira | 3.04% APY | 3.00% | — | Standard | | **Certificate** share_certificate | 3.80% APY | 3.75% | — | Standard | First Carolina People's Credit Union savings & cd rates as of November 12, 2026 Vehicle loans available from 8.25% APR for 120 months. Personal loan rates from 8% APR. Savings and certificate yields up to 3.80% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/first-carolina-peoples) , verified from [First Carolina People's Credit Union's official website](https://www.fcpcu.com/) Best product position **Better than the North Carolina median** personal loan Gap to state best **580 bp** 580 bp from state best Vs. state median **195 bp better than median** personal loan Products ranked **1** across tracked North Carolina markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 8.00% | Better than the North Carolina median | 580 bp from state best | 195 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim First Carolina People's Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=first-carolina-peoples&state=north-carolina&code=NC&name=First%20Carolina%20People's%20Credit%20Union) Loading branch locator… ## About First Carolina People's Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.2K Assets $33.7M Founded 1952 Locations reported 1 NCUA charter 62673 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**State Employees'** GOLDSBORO - WEST ASH STREET · GOLDSBORO · NC · 27530 About 2.5 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Audubon** Commercial Business Systems (CBS) · Goldsboro · NC · 27530-3648 About 3.6 miles away](https://rateapi.dev/credit-unions/kentucky/audubon) [**Emergency Responders** Commercial Business Systems · Goldsboro · NC · 27530-3648 About 3.6 miles away](https://rateapi.dev/credit-unions/north-carolina/emergency-responders) [**First NRV** Commerical Business Systems · Goldsboro · NC · 27530-3648 About 3.6 miles away](https://rateapi.dev/credit-unions/virginia/first-nrv) [**Guco** Vital Records Center · Goldsboro · NC · 27530-3648 About 3.6 miles away](https://rateapi.dev/credit-unions/north-carolina/guco) [**Hampton Roads Educ Credit Union Inc** Commercial Business Systems · Goldsboro · NC · 27530-3648 About 3.6 miles away](https://rateapi.dev/credit-unions/virginia/hampton-roads-educ-credit-union-inc) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First Carolina People's Credit Union Membership eligibility from First Carolina People's Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Carolina People's Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer businesses located in Wayne County, Wake County and Johnston County, North Carolina, U.S. Postal Service, Maola Milk and Ice Cream Company, Goldsboro Fire Department, Goldsboro Rescue and EMS, Employer, Family Member - Association Rocky Mount Postal Credit Union, Henderson Postal Credit Union, Baptist Employees's Credit Union, The Baptist State Convention of North Carolina, Baptist Children's Hmes of N.C. Inc., Baptist Retirement Homes, Inc., The Biblical Recorder, North Carolina Baptist Foundation - Place of worship Baptist churches and associations cooperating with the Baptist State Convention - School Campbell University, Chowan College, Gardner-Webb College, Mars Hill College, Meredith College, Wingate University, Southeastern Baptist Theological Seminary Verified from [First Carolina People's Credit Union's membership page](https://www.fcpcu.com/index.php/about/membership) . Final membership determination is always made by the credit union. ## Membership rules for First Carolina People's Credit Union Employers 4 · Associations 9 · Schools 7 · Family 21 published paths to membership, last verified August 21, 2026, quoted from First Carolina People's Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of United States Postal Service “U.S. Postal Service” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Employee of United States Postal Service - Employee of Employer “Employer” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Employee of Employer - Employee of member company “Family Member” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Employee of member company - Employee of businesses located in Wayne County, Wake County and Johnston County, North Carolina - Works in county:NC:johnston “businesses located in Wayne County, Wake County and Johnston County, North Carolina” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Employee of businesses located in Wayne County, Wake County and Johnston County, North Carolina and Works in Johnston County, NC ### Associations 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Rocky Mount Postal Credit Union “The field of membership of Rocky Mount Postal Credit Union” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of Rocky Mount Postal Credit Union - Member of Henderson Postal Credit Union “Henderson Postal Credit Union” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of Henderson Postal Credit Union - Member of Baptist Employees's Credit Union “Baptist Employees's Credit Union” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of Baptist Employees's Credit Union - Member of The Baptist State Convention of North Carolina “The Baptist State Convention of North Carolina” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of The Baptist State Convention of North Carolina - Member of Baptist Children's Hmes of N.C. Inc. “Baptist Children's Hmes of N.C. Inc.” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of Baptist Children's Hmes of N.C. Inc. - Member of Baptist Retirement Homes, Inc. “Baptist Retirement Homes, Inc.” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of Baptist Retirement Homes, Inc. - Member of The Biblical Recorder “The Biblical Recorder” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of The Biblical Recorder - Member of North Carolina Baptist Foundation “North Carolina Baptist Foundation” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of North Carolina Baptist Foundation - Member of Baptist churches and associations cooperating with the Baptist State Convention “Members and staff members of Baptist churches and associations cooperating with the Baptist State Convention” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Member of Baptist churches and associations cooperating with the Baptist State Convention ### Schools 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Alumni of Campbell University “Campbell University” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Campbell University - Alumni of Chowan College “Chowan College” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Chowan College - Alumni of Gardner-Webb College “Gardner-Webb College” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Gardner-Webb College - Alumni of Mars Hill College “Mars Hill College” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Mars Hill College - Alumni of Meredith College “Meredith College” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Meredith College - Alumni of Wingate University “Wingate University” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Wingate University - Alumni of Southeastern Baptist Theological Seminary “Southeastern Baptist Theological Seminary” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Alumnus of Southeastern Baptist Theological Seminary ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “all past and present employees (and their family members) of the following” > [source ↗](https://www.fcpcu.com/index.php/about/membership) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Carolina People's Credit Union? Yes No ## Work at First Carolina People's Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Carolina People's Credit Union ranks against North Carolina peers. - See which AI assistants fetched First Carolina People's Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-carolina-peoples&state=north-carolina&code=NC&name=First%20Carolina%20People's%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Carolina People's Credit Union offer? First Carolina People's Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First Carolina People's Credit Union rates updated? RateAPI verifies First Carolina People's Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First Carolina People's Credit Union's rate data? Rate data is collected directly from First Carolina People's Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are First Carolina People's Credit Union's auto, rv & boat loan rates? As of November 12, 2026, First Carolina People's Credit Union offers vehicle loans from 8.25% APR. ### What is First Carolina People's Credit Union's personal loan rate? As of November 12, 2026, First Carolina People's Credit Union offers personal loans from 8% APR. ### What is First Carolina People's Credit Union's best CD rate? As of November 12, 2026, First Carolina People's Credit Union offers savings and certificate (CD) yields up to 3.80% APY. ### Who can join First Carolina People's Credit Union? First Carolina People's Credit Union publishes its membership criteria on its own website. RateAPI tracks 21 published membership paths covering 4 employers, 9 associations and 7 schools for First Carolina People's Credit Union, each quoted from First Carolina People's Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Carolina People's Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina mortgage rate leaders](https://rateapi.dev/mortgage-rates/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.fcpcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Carolina People's Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Carolina People's Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /first-carolina-peoples " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Carolina People's Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/first-carolina-peoples Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp