Credit union · NCUA insured
First Peoples Community Federal Credit Union CD Rates
Top CarrotFirst Peoples Community Federal Credit Union’s best CD rate is 4.15% APY on a 15-month share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 22, 2026.
How First Peoples Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where First Peoples Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Peoples Community Federal Credit Union
4.15%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $521
Certificates
2nd-highest rate
SECU Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $445
3rd-highest rate
WEPCO Federal Credit Union
4.06%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $828
First Peoples Community Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.15%
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.
Where First Peoples Community Federal 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.
Certificates
Up to 4.15%APY · 11 terms
Early withdrawal penalty applies. Minimum deposit of $500. Non-promo certificates automatically renew into the same term. Certificate Specials renew at the non-promotional rate.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | 1.00% | — | 1.00% | $25 |
| 6 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 2.00% | 2.00% | $100 |
| 12 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 2.25% | 2.25% | $225 |
| 15 monthsRenews at an 18-month non-promotional rate. Early withdrawal penalty applies | — | 4.15% | 4.15% | $521 |
| 18 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 2.40% | 2.40% | $362 |
| 21 monthsRenews at a 24-month non-promotional rate. Early withdrawal penalty applies | 4.00% | — | 4.00% | $710 |
| 24 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 2.50% | 2.50% | $506 |
| 36 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 2.65% | 2.65% | $816 |
| 48 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 2.75% | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 3.00% | 3.00% | $1,593 |
| 72 monthsEarly withdrawal penalty applies. Non-promo certificates automatically renew into the same term | — | 3.25% | 3.25% | $2,115 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 4.15%APY · 9 terms
IRA Certificates must be at least 12 months. $500 minimum balance required. Early withdrawal penalty applies. IRA, HSA, ESA certificates automatically renew into a 12 month non-promo rate. Traditional and Roth IRAs available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 2.25% | $225 |
| 15 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 4.15% | $521 |
| 18 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 2.40% | $362 |
| 21 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 4.00% | $710 |
| 24 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 2.50% | $506 |
| 36 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 2.65% | $816 |
| 48 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 2.75% | $1,146 |
| 60 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 3.00% | $1,593 |
| 72 monthsIRA certificates automatically renew into a 12 month non-promo rate. Early withdrawal penalty applies. Must be at least 12 months | 3.25% | $2,115 |
Sources (2)
All captured Oct 22, 2026
Who can join First Peoples Community Federal Credit Union
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.
Membership information collected October 4, 2026.