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Loans

First Carolina People's Credit Union has a loan for just about any reason. We are dedicated to providing you with the service you deserve. We know you will appreciate our competitive rates, flexible terms, and easy application process. We strive to work with our members to accommodate all their financial needs. Members can apply for a variety of loans by mail or in office simply by completing a credit application along with a copy of your proof of income (current paystub).

 

Telephone
Goldsboro:
1-800-452-4021 or
1-919-736-0885

Mailing Address:
P.O. Box 1637
Goldsboro, NC 27533

Physical Address:
201 E. Ash Street
Goldsboro, NC 27530

Email Address:
memberservice@fcpcu.com






Loans
Annual Percentage Rate (APR)

These rates are current as of November 2016.

Type Annual Percentage Rate (APR) Maximum Term
VISA Credit Card Starting at 8.00% Minimum $25 Monthly or 3% of Balance
Open-End Loans
Overdraft Line of Credit (limits $500 to $2,000) Starting at 8.00% Monthly payment is 5% of limit
Open-end Signature Loan Starting at 8.00% 84 Months
Share Secured Loan 3.75%
(minimum 3.75%)
Min. Payment is Interest Due
Certificate Secured Loan Rate of Certificate + 3%
(minimum 3.75%)
Min. Payment is Interest Due
 
Closed-End Loans
Signature Loans 16.00% 84 Months
Comaker Loan Starting at 13.00% 60 Months
 
New Vehicle Loan
Finance up to 90% of MSRP according to Black Book
Starting at 4.25% 84 Months
New Vehicle Loan 100% financing Starting at 5.25% 84 Months
Used Vehicle Loan
Finance up to 90% of Black Book Clean Retail
Starting at 5.25% 72 Months
Used Vehicle Loan 100% financing Starting at 6.25% 72 Months
** Vehicle with Salvage Titles - up to 70% of Black Book Average retail
 
New Boat Starting at 8.25% 84 Months
Used Boat Starting at 8.25% 84 Months
 
New RV / Camper / Trailer / Pop-up / Fold-down Starting at 8.25% 120 Months
Used RV / Camper / Trailer / Pop-up / Fold-down Starting at 8.25% 84 Months
 
Mobile Home Loans (new without land-fixed) Starting at 5.00% Singlewide - up to 20 years
Doublewide - up to 30 years
Mobile Home Loans (used without land-fixed) Starting at 6.00% Singlewide - up to 20 years
Doublewide - up to 30 years
 
Land Starting at 7.75% 10 years
 
Vacation Home Loan Starting at 6.50% 20 years
 
Construction Loans Starting at 7.00% 1 year
 
Home Equity Line of Credit Starting at 4.00% 15 years
 
First Mortgage Loan Starting at 3.00% 30 years
 

** Application Fee - $750.00 for First Mortgage Loans only

Quoted rates and annual percentage rates are subject to change daily at the discretion of the board of directors.

Maximum APR for all loans is the maximum rate allowed by NCUA. The current maximum rate is 18.00%.

APR will be determined at time of application based on member-applicant qualifications.

Contact credit union for more information.

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