Your credit union is ready to meet your borrowing needs. Our competitive rates and flexible repayment terms can stretch the purchasing power of your hard earned money. Our Loan Officers can handle your request via our secure loan application, in person, by phone, or mail. Credit Life and Disability Insurance is available. We love to do loans. Making loans and providing quality service will always be a top priority.

Mortgages

We offer a wide variety of mortgage loans with competitive rates and terms, including fixed and adjustable rate mortgages. Our professional staff in the Mortgage department will analyze your borrowing needs and budget requirements to provide you with a "custom-fit" mortgage to meet your needs. That means affordable payments you can live with. Final loan is subject to verification of your income, assets, and home appraisal. Call us and we'll work as a partner with you and your sales agent to arrange the best mortgage possible. Contact our professional mortgage staff to find out what products suit your mortgage needs! ~ 301-783-HOME




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Home Equity
Put the value of your house to work for you. Tap into one of our great home equity loan options! Take advantage of this opportunity to consolidate your bills, buy a car, pay college tuition, remodel your home, and more. Borrow up to 80% equity in your home. Some restrictions apply. For full details, call First Peoples. The interest on a Home Equity Loan or Line of Credit may be tax deductible. Ask your tax advisor for details. Call us to compare our great rates!

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New/Used Auto
You love the car. Everything about it -- the look, the color, the ride, the features. It's exactly what you've been looking for. Even the price is right. It's on sale, and priced lower than anywhere else. You know. You checked around. It's a perfect deal. But is it? What about financing? After all, buying a new car is a long term deal--two or three years or even longer. How sweet will this deal look down the road, as you write those payment checks every month? Before you get carried away by the car and the price, make sure you're happy with the financing. The way to do that is to stop by First Peoples or call our 24/7 loan center at 301-784-3000 to arrange for a preapproved car loan or fill out the secure online loan application. We have the best rates around, and a variety of payment schedules and terms to match your budget.

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Auto Equity
Auto Equity is the homeowner's answer to reducing taxes. With Auto Equity, the primary security for the loan will be a lien on your vehicle -- just like any other auto loan. But, in order for you to take advantage of the additional feature of tax deductible interest*, your home's equity provides secondary collateral. See our rates for terms and other minimum requirements. Apply online, by phone, or in person.

Auto Equity Advantages: *As with all tax-related issues, it is best to consult your tax advisor to determine how Auto Equity will benefit you

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Personal Loans
Call, stop in, or apply online, and simply tell us how much you need. We'll need a few hours to complete the details and, upon approval, we'll have the money waiting for you. Don't delay. We offer fast, friendly, and confidential service. Rates are subject to change without notice. If you need cash for:
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VISA Classic
First Peoples credit card features a beautiful scene from our hometown.
Disclosure Table for First Peoples Visa Classic Card:
Annual percentage rate for purchases11.50% APR
Grace period for repayment of the balance for purchases25 Days-None for cash advances
Method of computing the balance for purchasesAverage daily Balance
Annual feeNone
Cash advance fee$2.50
Late fee$15.00
International Service Assessment fee A 1.0% fee will be assessed on all international purchases, credit vouchers, and cash disbursements.
For a copy of your VISA Credit Card Agreement Call 1-800-655-8335

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VISA Platinum
Worldwide acceptance with a home town look.
Disclosure Table for Visa Platinum Card:
Annual percentage rate for purchases8.99% APR
Grace period for repayment of the balance for purchases25 Days-None for cash advances
Method of computing the balance for purchasesAverage daily Balance
Annual feeNone
Cash advance fee$2.50
Late fee$15.00
International Service Assessment fee A 1.0% fee will be assessed on all international purchases, credit vouchers, and cash disbursements.
For a copy of your VISA Credit Card Agreement Call 1-800-655-8335


Verified By VISA
VISA Security & Protection
Verified by Visa is a new security option for VISA cardholders which safeguards your account from unauthorized purchases online. A password and personal message are used for confirmation each time you use your card online, exclusively with participating merchants. Click on the Verify by Visa logo to activate your protection.

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Credit Life/Disability Insurance
With Member's Choice disability and term life protection, you'll find comfort in knowing that an emotional tragedy doesn't have to become a financial one. Take a look at the value of these two types of payment protection: Benefits Include:
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GAP Insurance
The GAP Advantage is an optional benefit that gives you further peace of mind. If the vehicle you are now purchasing ever becomes "totaled," or is stolen and not recovered, GAP Advantage pays an additional $1,000 toward the purchase of a replacement vehicle. Not only will you receive the difference between the value of your vehicle and its unpaid loan balance, but you get a good head start on financing a new or used replacement vehicle when you refinance through First Peoples.