Business Details
Your Trusted Credit Union Partner
At People First, we prioritize our members' financial well-being through personalized banking solutions and community-driven initiatives. Established to empower individuals and businesses, we offer a comprehensive range of financial products including checking accounts, savings plans, loans, and credit cards designed to meet diverse needs. Our commitment to competitive rates, such as low APRs on auto and home equity loans, ensures affordability and accessibility for all members. With features like free checking accounts, no minimum balance requirements, and specialized programs like Hometown Heroes for community service professionals, we strive to make banking both rewarding and inclusive.Our digital tools, including online banking and mobile wallet services, provide convenience while our financial education resources promote long-term literacy and stability. By combining modern financial solutions with a deep-rooted dedication to local communities, we aim to build lasting relationships grounded in trust and mutual growth.
Services
Checking Accounts
Auto Loans
Home Equity Loans
Credit Cards
Savings Plans
Personal Loans
Mortgage Loans
Online Banking
Financial Education
IRA Services
Highlights and features
- We offer free checking accounts with no monthly fees or minimum balance requirements.
- Our Hometown Heroes program provides up to 4.00% APY for community service professionals.
- We provide low APR options for auto, home equity, and personal loans with flexible terms.
- Our financial education resources promote long-term literacy and informed decision-making.
- We combine digital convenience with a commitment to local community development.
What people say
Positive experience
Low rates
Community involvement
Digital convenience
Financial education
Services
Auto Loans
People First offers auto loans starting at 5.59% APR with no application fees and 100% financing options for qualified borrowers. These loans provide affordable monthly payments through competitive rates and flexible terms. Our streamlined refinancing process helps members reduce existing loan costs.
Home Equity Loans
Our home equity loans feature fixed rates starting at 5.99% APR for 120 months with no appraisal or application fees. These loans offer predictable monthly payments and no hidden costs. Ideal for home improvements or major expenses, they provide financial flexibility.
Checking Accounts
We provide free checking accounts with no monthly fees or minimum balance requirements. The Hometown Heroes program offers up to 4.00% APY on balances up to $25,000 for eligible community service professionals. These accounts combine accessibility with rewarding features.
Savings Certificates
Our savings certificates offer APYs up to 4.15% with terms ranging from 3 to 60 months and a $500 minimum deposit. These low-risk investment options provide guaranteed returns through fixed rates. Automatic renewal ensures continued growth without manual intervention.
Credit Cards
Our credit cards feature a 2.9% introductory APR for purchases, balance transfers, and cash advances with no fees. Members earn 3% cashback on all purchases during the first three months. These cards combine affordability with immediate rewards for everyday spending.
Questions
What makes People First different from other banks?
We combine competitive rates with community-focused programs like Hometown Heroes while maintaining digital banking convenience.
How do I qualify for the Hometown Heroes program?
Eligible community service professionals can qualify by verifying their employment status during account opening.
Are there fees for balance transfers on credit cards?
No, our credit cards have no fees for balance transfers or cash advances.
What loan options are available for refinancing?
Our Swap and Drop program offers simplified refinancing for auto loans with lower rates and payments.
Do you offer financial education resources?
Yes, we provide ongoing financial literacy programs covering budgeting, investing, and future planning.
