Credit union · NCUA insured
First Carolina People's Credit Union
A $33.7M credit union headquartered in Goldsboro, NC, with 2,163 members and 1 branch in North Carolina. Best rates: CDs 3.80% and savings 0.10% APY.
First Carolina People's Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#3 of 11 in Goldsboro, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Carolina People's Credit Union
First Carolina People's Credit Union was formed in 1950 and chartered in 1952 as Goldsboro Postal Credit Union, based in Goldsboro, North Carolina.
Owned and governed by its members, the credit union was established to provide postal employees and their families with financial services and promote the wise use of their resources.
In 2011, it adopted its current name to reflect a community charter for Wayne County and subsequently merged with Baptist Employees' Credit Union.
- Headquarters
- 201 E Ash St, Goldsboro, NC 27530
- NCUA charter
- 62673
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses located in Wayne County, Wake County, and Johnston County, North Carolina are eligible for membership.
- Anyone who lives, works, worships, or goes to school in Wayne County, Wake County, and Johnston County, North Carolina is eligible for membership.
Employers and groups
- Members and staff members of Baptist churches and associations cooperating with the Baptist State Convention are eligible for membership.
- Past and present employees of The Baptist State Convention of North Carolina are eligible for membership.
- Past and present employees of Baptist Employees's Credit Union are eligible for membership.
- Past and present employees of Baptist Children's Hmes of N.C. Inc., Baptist Retirement Homes, Inc., The Biblical Recorder, and North Carolina Baptist Foundation are eligible for membership.
7 more ways to join
Employers and groups
- Past and present employees of First Carolina People's Credit Union are eligible for membership.
- Past and present employees of Maola Milk and Ice Cream Company are eligible for membership.
Military, government and schools
- Past and present employees of Campbell University, Chowan College, Gardner-Webb College, Mars Hill College, Meredith College, Wingate University, and Southeastern Baptist Theological Seminary are eligible for membership.
- Past and present employees of Goldsboro Fire Department and Goldsboro Rescue and EMS are eligible for membership.
- Past and present employees of U.S. Postal Service are eligible for membership.
Family and household
- Family members of past and present employees of eligible affiliated organizations and employers are eligible for membership.
Other ways
- Individuals within the field of membership of Rocky Mount Postal Credit Union and Henderson Postal Credit Union are eligible for membership.
Cost to join
- An initial deposit and minimum balance of $25.00 is required to open and keep an account active.
Branches
1 branch in North Carolina
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North Carolina
1 branch
- Goldsboro MainMain office201 E Ash St, Goldsboro, NC 27530Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.61% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 5.79% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.29% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $93 | $59 | — |
- CapitalNet worth ratio8.61%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late5.79%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.29%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$93Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Carolina People's Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.