Featured Savings Rates
Featured Accounts

First Capital Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%Reward CheckingKasasa Cash
0.25%Reward SavingsKasasa Saver
1.50%5-year CD60 Month Certificate

Overview / Commentary
717-767-5551
1601 Kenneth Rd
York, PA 17408-2228

First Capital Federal Credit Union is headquartered in York and is the 31st largest credit union in the state of Pennsylvania. It is also the 1,056th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 53 employees and 18,797 members at 3 locations. First Capital Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to employees or retirees of the credit union's Select Employee Group.
See current membership details

Reviews (2)

Best Credit Union Highly Recommend!!

First Capital Federal Credit is the greatest always friendly and willing to help and listen. Highly recommended anyone who is looking for a credit union that feels like family with the best staff and great rates this is the one for you. I love my credit union!

My first bank!

So I have been using First Capital since I was 15 years old. I am now a 25 year old male who works and uses the direct deposit feature. I have only had one bad experience but other than that its been great!.There are 3 locations in my town, all within driving distance of my home. At each location there is never more than a ten minute wait time in line and usually five minutes at the counter. I even tried to apply for loan, I was denied but the process was simple and convenient. My mother recommend this bank to me and her father did to her. Overall I can see myself staying until its my time to go into retirement and I can pass the tradition of my family at this bank on to the next generation!



Health

Health Grade Components

Overall
NCUA #24490
Year Chartered1954
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.9%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$193.9MM$183.9MM
LoansQ4 2017vs Q4 2016$121.8MM$111.2MM
DepositsQ4 2017vs Q4 2016$175.9MM$167.6MM
Equity CapitalQ4 2017vs Q4 2016$17.2MM$15.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$648.00K$594.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$472.00K$577.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Capital Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Traditional IRA
0.40%*$2,500*-College Club Bump
OTHER TIERS: 0.30% Up to $2,500
0.30%*$2,500*-College Club
OTHER TIERS: 0.20% Up to $2,500
0.25%*$2,500*-Share Savings
OTHER TIERS: 0.15% Up to $2,500
0.25%*$2,500*-Christmas Club
OTHER TIERS: 0.15% Up to $2,500
0.25%*$2,500*-Vacation Club
OTHER TIERS: 0.15% Up to $2,500
0.25%*$2,500*-All-Purpose Account
OTHER TIERS: 0.15% Up to $2,500
0.25%*-$10kKasasa Saver
OTHER TIERS: 0.15% $10k+
0.20%--Business Savings
0.20%--Business Savings Non-Profit
0.20%--Business All-Purpose Share
0.20%--Business All-Purpose Share Non-Profit

First Capital Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$50k*-First Money Market Share
OTHER TIERS: 0.25% $1k - $5k | 0.35% $5k - $15k | 0.40% $15k - $50k
0.45%*$50k*-Capital MMA
OTHER TIERS: 0.25% $1k - $5k | 0.35% $5k - $15k | 0.40% $15k - $50k

First Capital Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kKasasa Cash
OTHER TIERS: 0.15% $10k+
0.25%*$2,500*-Business Draft
OTHER TIERS: 0.15% Up to $2,500
0.25%*$2,500*-Business Draft Non-Profit
OTHER TIERS: 0.15% Up to $2,500
0.10%$1k-Share Draft

First Capital Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-60 Month Minor Certificate
1.50%$1k-60 Month Certificate
1.40%$500-48 Month Minor Certificate
1.40%$1k-48 Month Certificate
1.00%$500-36 Month Minor Certificate
1.00%$1k-36 Month Certificate
0.75%$500-30 Month Minor Certificate
0.75%$1k-30 Month Certificate
0.70%$500-24 Month Minor Certificate
0.70%$1k-24 Month Certificate
0.70%$5k-24 Month Step Up Certificate
0.70%$100-24 Month Youth Add-On Certificate
0.65%$500-18 Month Minor Certificate
0.65%$1k-18 Month Certificate
0.60%$500-12 Month Minor Certificate
0.60%$1k-12 Month Certificate
0.40%$500-6 Month Minor Certificate
0.40%$1k-6 Month Certificate
0.30%$500-90 Day Minor Certificate
0.30%$1k-90 Day Certificate

First Capital Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month IRA Certificate
1.40%$1k-48 Month IRA Certificate
1.00%$1k-36 Month IRA Certificate
0.75%$1k-30 Month IRA Certificate
0.70%$1k-24 Month IRA Certificate
0.70%$5k-24 Month Step Up IRA Certificate
0.60%$1k-12 Month IRA Certificate
Locations


First Capital Federal Credit Union Locations
Branch Office2602 Course RdYork, PA 17402
Branch Office1601 Kenneth RdYork, PA 17408-2228
Branch Office2801 Eastern BlvdYork, PA 17402

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