First Capital Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.25% | Reward Checking | 2.12% - National Average |
| 0.25% | Reward Savings | 0.99% - National Average |
| 2.00% | 5-year CD | 2.25% - National Average |
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 1,057th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 58 employees and 19,018 members at 3 locations. First Capital Federal Credit Union's money market rates are 82% higher than the national average, and it 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
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!
Data as of Q3 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24490 |
| Year Chartered | 1954 |
| Employees | 58 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.03% |
| Return on Equity - YTD | 10.98% |
| Annual Interest Income | $5.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $198.0MM$192.4MM |
| Loans | Q3 2018vs Q3 2017 | $126.4MM$122.0MM |
| Deposits | Q3 2018vs Q3 2017 | $178.2MM$175.0MM |
| Equity Capital | Q3 2018vs Q3 2017 | $18.7MM$16.7MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $665.00K$630.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $400.00K$640.00K |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not First Capital Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.40% | - | - | IRA Share | ||
| 0.40%* | $2.5k* | - | College Club Bump | ||
| OTHER TIERS: 0.30% → Up to $2.5k | |||||
| 0.30%* | $2.5k* | - | College Club | ||
| OTHER TIERS: 0.20% → Up to $2.5k | |||||
| 0.25%* | $2.5k* | - | Share Savings | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
| 0.25%* | $2.5k* | - | Christmas Club | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
| 0.25%* | $2.5k* | - | Vacation Club | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
| 0.25%* | $2.5k* | - | All-Purpose Account | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
| 0.25%* | - | $10k | Kasasa Saver | ||
| OTHER TIERS: 0.16% → $10k+ | |||||
| 0.20% | $5 | - | Business Savings | ||
| 0.20% | $5 | - | Business Savings Non-Profit | ||
| 0.20% | $5 | - | Business All-Purpose Share | ||
| 0.20% | $5 | - | Business All-Purpose Share Non-Profit | ||
First Capital Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.80%* | $100k* | - | First Money Market Share | ||
| OTHER TIERS: 0.25% → $1k - $5k | 0.35% → $5k - $15k | 0.40% → $15k - $50k | 0.60% → $50k - $100k | |||||
| 0.80%* | $100k* | - | Capital MMA | ||
| OTHER TIERS: 0.25% → $1k - $5k | 0.35% → $5k - $15k | 0.40% → $15k - $50k | 0.60% → $50k - $100k | |||||
First Capital Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.25%* | - | $10k | Kasasa Cash | ||
| OTHER TIERS: 0.15% → $10k+ | |||||
| 0.25%* | $2.5k* | - | Business Draft | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
| 0.25%* | $2.5k* | - | Business Draft Non-Profit | ||
| OTHER TIERS: 0.15% → Up to $2.5k | |||||
| 0.10% | $1k | - | Share Draft | ||
First Capital Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.49% | $1k | $100k | 16 Month Certificate Special | |
| 2.00% | $500 | - | 60 Month Minor Certificate | |
| 2.00% | $1k | - | 60 Month Certificate | |
| 1.90% | $500 | - | 48 Month Minor Certificate | |
| 1.90% | $1k | - | 48 Month Certificate | |
| 1.50% | $500 | - | 36 Month Minor Certificate | |
| 1.50% | $1k | - | 36 Month Certificate | |
| 1.30% | $500 | - | 30 Month Minor Certificate | |
| 1.30% | $1k | - | 30 Month Certificate | |
| 1.25% | $500 | - | 24 Month Minor Certificate | |
| 1.25% | $1k | - | 24 Month Certificate | |
| 1.25% | $5k | - | 24 Month Step Up Certificate | |
| 1.25% | $100 | - | 24 Month Youth Add-On Certificate | |
| 0.95% | $500 | - | 18 Month Minor Certificate | |
| 0.95% | $1k | - | 18 Month Certificate | |
| 0.90% | $500 | - | 12 Month Minor Certificate | |
| 0.90% | $1k | - | 12 Month Certificate | |
| 0.70% | $500 | - | 6 Month Minor Certificate | |
| 0.70% | $1k | - | 6 Month Certificate | |
| 0.60% | $500 | - | 90 Day Minor Certificate | |
| 0.60% | $1k | - | 90 Day Certificate |
First Capital Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.49% | $1k | - | 16 Month IRA Certificate Special | |
| 2.00% | $1k | - | 60 Month IRA Certificate | |
| 1.90% | $1k | - | 48 Month IRA Certificate | |
| 1.50% | $1k | - | 36 Month IRA Certificate | |
| 1.30% | $1k | - | 30 Month IRA Certificate | |
| 1.25% | $1k | - | 24 Month IRA Certificate | |
| 1.25% | $5k | - | 24 Month Step Up IRA Certificate | |
| 0.90% | $1k | - | 12 Month IRA Certificate |
| First Capital Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 2602 Course Rd | York, PA 17402 |
| Branch Office | 1601 Kenneth Rd | York, PA 17408-2228 |
| Branch Office | 2801 Eastern Blvd | York, PA 17402 |