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Credit union · NCUA insured

First Carolina People's Credit Union CD Rates

First Carolina People's Credit Union’s best CD rate is 3.80% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How First Carolina People's Credit Union’s CD rates compare

Compared with banks and credit unions near Goldsboro, NC, where First Carolina People's Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    First Carolina People's Credit Union

    3.80%APY

    Term
    6 months
    Minimum
    —
    Earns on $10,000
    $188

    Share Certificates

  • Top Carrot, Carrot Score 94

    Top rate

    State Employees' Credit Union

    4.30%APY

    Term
    18 months
    Minimum
    $250
    Earns on $10,000
    $652

    State Employees' Credit Union rates

  • 2nd-highest rate

    Woodforest National Bank

    4.25%APY

    Term
    9 months
    Minimum
    $500
    Earns on $10,000
    $317

    Woodforest National Bank rates

Compare CD rates near you →

First Carolina People's Credit Union CD score

78

CD score

Higher than 46% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.80%
  • 9–15 months9–15 mo3.55%
  • 16–30 months16–30 mo3.30%
  • 31–60 months31–60 mo3.04%
  • QualifiedQualified3.80%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where First Carolina People's Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join First Carolina People's Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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