Credit union · NCUA insured
First Peoples Community Federal Credit Union
Top CarrotA $659.9M credit union headquartered in Cumberland, MD, with 34,621 members and 16 branches in 3 states. Best rates: CDs 4.15% and savings 1.50% APY.
First Peoples Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#1 of 10 in Cumberland, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Peoples Community Federal Credit Union
First Peoples Community Federal Credit Union is a member-owned institution operating 21 locations across Maryland, Pennsylvania, and West Virginia.
In January 2025, BEDCO FCU merged with First Peoples Community Federal Credit Union.
- Headquarters
- 153 Baltimore St, Cumberland, MD 21502
- NCUA charter
- 13345
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, regularly conducts business in, worships, or attends school in Allegany, Garrett, and Washington Counties in Maryland; Somerset, Bedford, and Fulton Counties in Pennsylvania; or Mineral, Hampshire, and Morgan Counties in West Virginia.
Family and household
- Immediate family members of an existing First Peoples member are eligible to join.
Cost to join
- An initial deposit of $5 in a share account is required for membership share ownership.
Branches
16 branches in 3 states
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Maryland
9 branches
Cumberland area · 6
- DowntownMain office153 Baltimore St, Cumberland, MD 21502Directions
- Cresaptown15304 McMullen Hwy SW, Cresaptown, MD 21502Directions
- Industrial Boulevard12505 Evitts Creek Dr SE, Cumberland, MD 21502Directions
- Frostburg17610 Old National Pike SW, Frostburg, MD 21532Directions
- LaVale - National Highway1310 National Hwy, La Vale, MD 21502Directions
- Lonaconing29 Main St, Lonaconing, MD 21539Directions
Accident area · 1
- Accident106 N Main St, Accident, MD 21520Directions
Grantsville area · 1
- Grantsville12497 National Pike, Grantsville, MD 21536Directions
Oakland area · 1
- Oakland12599 Garrett Hwy, Oakland, MD 21550Directions
Pennsylvania
5 branches
Somerset area · 3
- Berlin1026 Main St, Berlin, PA 15530Directions
- Meyersdale7026 Mason Dixon Hwy, Meyersdale, PA 15552Directions
- Somerset1514 N Center Ave, Somerset, PA 15501Directions
Everett area · 1
- Bedford Plaza10 Bedford Sq, Route 30, Everett, PA 15537Directions
Warfordsburg area · 1
- Warfordsburg560 Great Cove RD, Warfordsburg, PA 17267Directions
West Virginia
2 branches
- Keyser71 Plaza Dr, Keyser, WV 26726Directions
- Short Gap3143 Frankfort Hwy, Ridgeley, WV 26753Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio13.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Peoples Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.