Credit Card Promotion

We've slashed our credit card rates, for new and existing members! From now until December 31, 2022, enjoy rates as low as 3.99% APR*! You read that right! All credit card purchases through the end of 2022 will come with an interest rate of 3.99% for Platinum cardholders, and 6.50% for Gold cardholders!  For current members and cardholders, no action is needed! Start enjoying this promotional rate right way! 

*APR= Annual Percentage Rate. Certain restrictions apply. The promo rate for purchases made thru 12/31/22 will be in effect until 6/30/23.  At 7/1/23 all rates will be the regular rate.


With 20 locations in the Tri-State area, we have a branch location near you. Visit us online to  start the application process. 



Members can apply for a Gold or Platinum Credit Card online.

About First Peoples Community Federal Credit Union

For the past 60-plus years, we’ve put our members first with a 'Here for You. Here for Good' philosophy that we take seriously.

We always look for ways to better serve our members and give back to our communities. You'll see us in the local parade, and you'll see our name at the local ballfield.

Most importantly, when you're in need of any financial help, our hyper-local staff will be eager to guide you.

We invite you to come in and see us at one of our branches or contact us by clicking the box below. We’re always ready to help.

Contact Us


Visa Gold

  • 6.50% APR (through December 31, 2022) on purchases
  • Credit limits of $500 to $7,500
  • No annual fee
  • Low cash advance fee of $2.50
  • Eligible for 0.25% cash back when matched with an eFirst checking account
  • Enjoy Visa's round-the-clock fraud detection and ID theft protection services
  • Visa's Zero Liability policy means you are not financially responsible for unauthorized purchases

Visa Platinum

  • 3.99% APR (through December 31, 2022) on purchases
  • Credit limits of $5,000 to $50,000
  • No annual fee
  • Low cash advance fee of $2.50
  • Eligible for 0.25% cash back when matched with an eFirst checking account
  • Enjoy Visa's round-the-clock fraud detection and ID theft protection services
Visa's Zero Liability policy means you are not financially responsible for unauthorized purchases


First Peoples Community FCU Featured Products

Personal & Business Checking Accounts

Personal & Business Checking Accounts

  • 24/7 Online & Mobile banking
  • Free debit card or ATM card
  • No fee ATM access at over 20 locations 
Learn More
Visa Credit Cards

Visa Credit Cards

  • Choose our Visa Gold or Visa Platinum card
  • Both offer competitive rates and great benefits
  • Use with Apple Pay, Samsung Pay, and Google Pay
Learn More



Affordable Auto Loans

Affordable Auto Loans

  • Competitive rates on new and used vehicles
  • Easy online application
  • Loan terms up to 84 months
Learn More
Home Financing Options

Home Financing Options

  • Loans for purchase or refinance
  • Flexible terms and competitive interest rates
  • Always local loan servicing
Learn More



Other Account Options at a Branch Near You

At First Peoples Community Federal Credit Union, we always put you first. Our business and personal accounts are designed to help you achieve your financial goals. Some of our other account options include:

Please contact us today. We’re always here to help.

Contact Us
Scenic overlook at sunset in beautiful Lonaconing, MD.
Scenic overlook in beautiful Frostburg, MD.