Credit union · NCUA insured
First Carolina People's Credit Union Credit Card Rates
First Carolina People's Credit Union credit card rates start at 8.00% APR. Rates checked October 22, 2026.
How First Carolina People's Credit Union’s credit card rates compare
Compared with banks and credit unions near Goldsboro, NC, where First Carolina People's Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Carolina People's Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
NCCFCU
10.50%APR
- Up to
- —
2nd-lowest rate
State Employees' Credit Union
11.50%APR
- Up to
- 14.50% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Card
Low, fixed rate. No annual fee. Minimum payment is $25 monthly or 3% of balance. Rates shown reflect maximum discounts available and are based on creditworthiness. Interest-free grace period on purchases when paid in full each month. Instant cash advances with no transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.00% | None | Minimum payment $25 monthly or 3% of balance. Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Low, fixed rate. Interest-free grace period on purchases when paid in full each month. Instant cash advances with no transaction fees. |
Sources (2)
All captured Oct 7, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.