First Peoples Community Federal Credit Union Savings & Money Market Rates

How First Peoples Community Federal Credit Union’s savings 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
1.50%APY
Requires
None
Minimum
$100
Earns on $10,000 a year
$150
Thrift Savings Account
Top rate
Dollar Bank
3.75%APY
Requires
Another account
Minimum
$50
Earns on $10,000 a year
$375
Dollar Bank rates
3rd-highest rate
FNB Bank
1.15%APY
Requires
Monthly account activity
Minimum
$50
Earns on $10,000 a year
$115
FNB Bank rates

Compare savings rates near you →

Savings score

Higher than 83% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.75%
$10,000 balance$10,0001.50%
$100,000 balance$100,0002.00%
QualifiedQualified1.50%

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 Peoples Community Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

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

Thrift Savings Account

1.50%APY$100 to open

Three (3) free withdrawals per calendar quarter; $25 fee for each additional withdrawal in same quarter. Balances below $100 earn 0.00%.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $500Balances below $100 earn 0.00%. Three free withdrawals per calendar quarter.	0.10%	—	Balances below $100 earn 0.00%. Three free withdrawals per calendar quarter.
$500 – $5,000Three free withdrawals per calendar quarter.	0.75%	—	Three free withdrawals per calendar quarter.
$5,000 – $25,000Three free withdrawals per calendar quarter.	1.50%	$150	Three free withdrawals per calendar quarter.
$25,000 – $75,000Three free withdrawals per calendar quarter.	1.75%	—	Three free withdrawals per calendar quarter.
$75,000 – $150,000Three free withdrawals per calendar quarter.	2.00%	—	Three free withdrawals per calendar quarter.
$150,000 – $250,000Three free withdrawals per calendar quarter.	2.25%	—	Three free withdrawals per calendar quarter.
$250,000 and upThree free withdrawals per calendar quarter.	2.50%	—	Three free withdrawals per calendar quarter.

Sources (2)

All captured Oct 15, 2026

Money Market Deposit Accounts (MMDA)

0.60%APY

Dividends compound daily. Tiered rate account. Membership required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Balances below $100 earn 0.00%.	0.00%	—	Balances below $100 earn 0.00%.
$100 – $1,000	0.10%	—
$1,000 – $10,000	0.50%	—
$10,000 – $25,000	0.60%	$60
$25,000 – $50,000	0.80%	—
$50,000 – $100,000	1.00%	—
$100,000 – $250,000	1.35%	—
$250,000 and up	1.80%	—

Sources (2)

All captured Oct 22, 2026

Share Savings Account

0.10%APY$5 to open

Must be a member/owner of First Peoples Community Federal Credit Union. Only $5 needed to open account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upEarn competitive interest on balances of $100 or more. Rate applies to balances greater than $100.$100 and up	0.10%	$10	Earn competitive interest on balances of $100 or more. Rate applies to balances greater than $100.

Sources (2)

All captured Oct 15, 2026

Special-purpose accounts

ABL Campus Employees Club Savings Account Promotion

2.00%APYBusiness

For ABL Campus Employees. Must show proof of employment with valid ABL badge.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMust show proof of employment with valid ABL badge.Any balance	2.00%	$200	Must show proof of employment with valid ABL badge.

Sources (1)

firstpeoples.com/rates · captured Oct 15, 2026

Star Savers Youth Account

1.25%APYKids and teens$5 to open

For children ages 12 & under. Child must be present at the time of deposit to collect virtual tickets and redeem prizes. Dividends compounded daily and deposited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends earned on balances over $5 / balances greater than $5. No monthly maintenance fee.$5 and up	1.25%	$125	Dividends earned on balances over $5 / balances greater than $5. No monthly maintenance fee.

Sources (2)

All captured Oct 15, 2026

Teen Savers Youth Account

1.25%APYKids and teens$5 to open

Membership eligibility: Ages 13 to 17. Dividends compounded daily and deposited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends earned on balances over $5 / balances greater than $5. No monthly maintenance fee.$5 and up	1.25%	$125	Dividends earned on balances over $5 / balances greater than $5. No monthly maintenance fee.

Sources (2)

All captured Oct 15, 2026

Payroll Holiday Club Account

1.00%APYClub

Requires paycheck direct deposited into account. Minimum balance of $100.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $5,000Earn 1% interest with minimum balance of $100 when paycheck is direct deposited. Rate applies on balances between $100 & $5,000.$100 – $5,000	1.00%	—	Earn 1% interest with minimum balance of $100 when paycheck is direct deposited. Rate applies on balances between $100 & $5,000.

Sources (2)

All captured Oct 15, 2026

IRA Share Account

0.65%APYIRA$5 to open

No set-up or annual service fees. Includes Traditional IRA, Roth IRA, and Educational Savings Accounts. Loans also available for initial investment.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRate applies to balances greater than $100. No set-up or annual service fees.$100 and up	0.65%	$65	Rate applies to balances greater than $100. No set-up or annual service fees.

Sources (2)

All captured Oct 15, 2026

Christmas Club Account

0.10%APYClub

Funds automatically transferred into Regular Share (Savings) Account on October 1 of each year. Direct deposit or in-person deposits.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upRate applies to balances greater than $100.$100 and up	0.10%	$10	Rate applies to balances greater than $100.

Sources (2)

All captured Oct 15, 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.

Check membership requirements ↗Branches and institution details

← First Peoples Community Federal Credit Union overview

How First Peoples Community Federal Credit Union’s savings rates compare

First Peoples Community Federal Credit Union savings score

Current savings rates

Thrift Savings Account

Money Market Deposit Accounts (MMDA)

Share Savings Account

Special-purpose accounts

ABL Campus Employees Club Savings Account Promotion

Star Savers Youth Account

Teen Savers Youth Account

Payroll Holiday Club Account

IRA Share Account

Christmas Club Account

Who can join First Peoples Community Federal Credit Union

Where you live or work

Family and household

Cost to join