First Capital Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.25%	Reward Checking	2.06% - National Average
0.25%	Reward Savings	0.92% - National Average
2.00%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD

View all First Capital Federal Credit Union rates »

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 31^st largest credit union in the state of Pennsylvania. It is also the 1,057^th 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

Reviews (2)

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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!

Comment

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!

Comment

1

Health

A

Data as of Q3 2018

Learn why bank health matters

Health 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

Rates

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Savings
Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME
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
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
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
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
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

Locations

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

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