CDs & IRAs

With a little patience, you're looking at a nice payoff.

There are a million money-making ideas out there. Some are totally legit. Others - not so much. At First Peoples, we'd like to cut through the clutter and offer up a surefire winner.


With certificates, you get to lock in a higher savings rate. You get to pick the savings period - from a few months to several years. Leave your money deposited for that full period and you'll maximize your savings. When the term ends, you get to walk away with a nice chunk of extra cash, or choose to reinvest in another certificate to build more.
  • Terms range from 91 days to 72 months
  • Choose the savings period that best fits your financial plans
  • Grow your money with fixed rates that are higher than those offered by traditional savings accounts
  • In general, longer term certificates feature higher earnings
  • Minimum deposit of $500
  • Risk-free investment with deposits insured by National Credit Union Administration

Traditional & Roth IRAs

Did you know that you have until April 15th of the current year to make Traditional IRA contributions for the prior year and reduce your taxable income?*

Individuals age 50 and over are allowed to make an additional catch-up contribution. Contributions to Traditional IRAs are tax deductible, meaning you can decrease your taxable income by the amount of your contribution.

* Traditional IRA contributions are tax-deferred, meaning you do not receive an up-front tax-deduction, but you pay taxes on contributions or earnings when the funds are withdrawn for a qualified use.
* Contributions may vary. Please consult with your tax advisor for more details regarding deductions, taxable income specifications and what determines a qualified withdrawal.

IRAs & Educational Savings Accounts

Save money with no set-up or annual service fees! Take advantage of higher-earning certificate rates with just $500, or start your retirement savings with as little as $5 with an IRA share account. Loans are also available for initial investment. In addition to our Traditional IRA, we have Roth IRA and Educational Savings Accounts

First Peoples Community Federal Credit Union is a full-service financial institution with branches in Maryland, Pennsylvania and West Virginia.

When you're a member, you're an owner!