2. First Capital Federal Credit Union

First Capital Federal Credit Union


Overview / Commentary
www.firstcapitalfcu.com
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 1,042nd largest credit union in the nation. It was established in 1954 and as of June of 2019, it had grown to 56 employees and 19,182 members at 3 locations. First Capital Federal Credit Union's money market rates are 93% 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

Reviews (2)

Best Credit Union Highly Recommend!!

Posted by: mustanglady78 | May 2, 2016

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!

1

My first bank!

Posted by: donellrichard69 | Nov 19, 2017

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!

1


Health
A

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #24490
Year Chartered1954
Employees56
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD7.72%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$208.0MM$201.9MM
LoansQ2 2019vs Q2 2018$132.0MM$125.0MM
DepositsQ2 2019vs Q2 2018$187.5MM$182.8MM
Equity CapitalQ2 2019vs Q2 2018$19.4MM$18.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$764.00K$652.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$453.00K$521.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW 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%-$10kKasasa Saver
0.20%--Business Savings
0.20%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$100k*-First Money Market Share
OTHER TIERS: 0.35% → $1k - $5k | 0.45% → $5k - $15k | 0.50% → $15k - $50k | 0.65% → $50k - $100k
0.85%*$100k*-Capital MMA
OTHER TIERS: 0.35% → $1k - $5k | 0.45% → $5k - $15k | 0.50% → $15k - $50k | 0.65% → $50k - $100k

First Capital Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kKasasa 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$500-60 Month Minor Certificate
2.75%$1k-60 Month Certificate
2.65%$500-48 Month Minor Certificate
2.65%$1k-48 Month Certificate
2.00%$500-36 Month Minor Certificate
2.00%$1k-36 Month Certificate
1.95%$500-18 Month Minor Certificate
1.95%$1k-18 Month Certificate
1.80%$500-30 Month Minor Certificate
1.80%$1k-30 Month Certificate
1.75%$500-24 Month Minor Certificate
1.75%$1k-24 Month Certificate
1.75%$5k-24 Month Step Up Certificate
1.75%$100-24 Month Youth Add-On Certificate
1.50%$500-12 Month Minor Certificate
1.50%$1k-12 Month Certificate
0.95%$500-6 Month Minor Certificate
0.95%$1k-6 Month Certificate
0.85%$500-90 Day Minor Certificate
0.85%$1k-90 Day Certificate

First Capital Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$100-60 Month Minor IRA Certificate
2.75%$1k-60 Month IRA Certificate
2.65%$100-48 Month Minor IRA Certificate
2.65%$1k-48 Month IRA Certificate
2.00%$500-36 Month Minor IRA Certificate
2.00%$1k-36 Month IRA Certificate
1.80%$100-30 Month Minor IRA Certificate
1.80%$1k-30 Month IRA Certificate
1.75%$100-24 Month Minor IRA Certificate
1.75%$1k-24 Month IRA Certificate
1.75%$5k-24 Month Step Up IRA Certificate
1.50%$100-12 Month Minor IRA Certificate
1.50%$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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