First Carolina People'S Federal Credit Union

Headquarters: Goldsboro, North Carolina
Charter: Credit Union
Assets: $33.3M
Fed district: Richmond

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
First Carolina People'S Federal Credit Union: $35
First Carolina People'S Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $12.50, the middle of its prices
First Carolina People'S Federal Credit Union: $10 to $15
First Carolina People'S Federal Credit Union: $10 to $15
U.S. median: no median
Stop Payment
Compared at $20, the middle of its prices
First Carolina People'S Federal Credit Union: $10 to $35
First Carolina People'S Federal Credit Union: $10 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from First Carolina People'S Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Below minimum balance/per day$3
Not compared: Daily charge, not monthly
per day
Below minimum fee/each occurrence$3
Dormant accts./3 yrs. dormant/balance below $2500$2
per month
Research Fee - 1st Hour$25
Research Fee - each additional hour$10
per item
Returned Mail per statement$2

Overdraft & NSF

Member generated NSF$35
NSF ACH items (audience not stated, treated as personal)$35
NSF Check (includes billpay)$35
NSF recurring transaction$35

ATM & Card

Each additional lost card$30
per item
Lost Card (1st time)$5
Worn / Damaged Card replacementNo charge

Wire Transfers

Wire Transfer (in or out) domestic only$10
Wire Transfer (in or out) domestic only$15

Check Services

Cashier's Check (payable to 2nd party)$2
Cashier's Check - stop payment$20
Cashier's Check - stop payment$10
Stop Payments (includes billpay)$35
Check Copy (each)$5
per item

Digital & Electronic

Stop ACH origination before loan payoff (audience not stated, treated as personal)$10
Bill pay inactivity$2
per month

Account Services

One lost key (audience not stated, treated as personal)$50
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$25
per year
Tax Levy / Garnishment processing fee$25

Other Fees

FAX for membersNo charge
Statement Copies$5
Not compared: Monthly charge, not per item
per month
Duplicate lien release request$10

Fee	Amount	Basis	Note
Account Maintenance
Below minimum balance/per day	$3Not compared: Daily charge, not monthly	per day	None
Below minimum fee/each occurrence	$3	Not stated	None
Dormant accts./3 yrs. dormant/balance below $2500	$2	per month	None
Research Fee - 1st Hour	$25	Not stated	None
Research Fee - each additional hour	$10	per item	None
Returned Mail per statement	$2	Not stated	None
Overdraft & NSF
Member generated NSF	$35	Not stated	None
NSF ACH items (audience not stated, treated as personal)	$35	Not stated	None
NSF Check (includes billpay)	$35	Not stated	None
NSF recurring transaction	$35	Not stated	None
ATM & Card
Each additional lost card	$30	per item	None
Lost Card (1st time)	$5	Not stated	None
Worn / Damaged Card replacement	No charge	Not stated	None
Wire Transfers
Wire Transfer (in or out) domestic only	$10	Not stated	None
Wire Transfer (in or out) domestic only	$15	Not stated	None
Check Services
Cashier's Check (payable to 2nd party)	$2	Not stated	None
Cashier's Check - stop payment	$20	Not stated	None
Cashier's Check - stop payment	$10	Not stated	None
Stop Payments (includes billpay)	$35	Not stated	None
Check Copy (each)	$5	per item	None
Digital & Electronic
Stop ACH origination before loan payoff (audience not stated, treated as personal)	$10	Not stated	None
Bill pay inactivity	$2	per month	None
Account Services
One lost key (audience not stated, treated as personal)	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$25	per year	None
Tax Levy / Garnishment processing fee	$25	Not stated	None
Other Fees
FAX for members	No charge	Not stated	None
Statement Copies	$5Not compared: Monthly charge, not per item	per month	None
Duplicate lien release request	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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