First Capital Credit Union Dover PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Capital, your trusted partner in financial growth and community support. Located at 4500 Intermediate Ave, Dover, PA 17315, we pride ourselves on being more than just a credit union; we're a family dedicated to enhancing the lives of our members. Established in 1954, First Capital has grown alongside our members, now serving over 20,823 individuals and businesses in our community. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 7746, York, PA 17404-0746. At First Capital, we understand the importance of financial security. With total assets exceeding $319 million and deposits amounting to $50,873,627, we are well-equipped to serve you. Our commitment extends beyond numbers; we're here to help you navigate personal banking services such as checking and savings accounts, auto loans, mortgage financing, and more. Our leadership team is dedicated to your success. Under the guidance of CEO Susan DeStephano and Board President Stewart Olewiler, we strive to create an inclusive environment where all members feel valued and supported. We proudly employ 73 staff members who are passionate about providing exceptional service. Whether you're looking for a new vehicle loan or need assistance with personal finance, we're here for you! Feel free to reach out at 717-767-5551 or explore our website at First Capital FCU for more information about our services. Join us today and experience the difference a member-focused credit union can make in your financial journey!

Branch History & Mission

At First Capital, we take pride in our rich history and unwavering commitment to the community. Founded in 1954, our branch, known as Eagles Nest, has served the residents of Dover, PA for nearly seven decades. Located at 4500 Intermediate Ave, we're nestled in a vibrant area that boasts local shops and parks, making us a convenient stop for your banking needs. Over the years, First Capital has grown significantly. Today, we proudly serve over 20,000 members and manage total assets amounting to $319,095,785. Our journey reflects our dedication to providing personalized financial services while fostering a sense of belonging among our members. Our mission is simple yet profound: to empower individuals and families through accessible financial solutions. We believe that everyone deserves the opportunity to achieve their financial goals. Whether it's opening a checking account, financing a vehicle, or securing a mortgage loan, we are here to guide you every step of the way. While members can visit us at our Dover branch address, official correspondence should be sent to PO Box 7746, York, PA 17404-0746. Our lobby hours are Thursday and Friday from 11:00 AM to 2:00 PM perfect for catching up on your banking while running errands. In addition to traditional banking services like checking and savings accounts and auto loans, we offer online and mobile banking options to ensure that you can manage your finances anytime and anywhere. Although we do not currently provide ATM services or drive-thru banking at this location, we are committed to making your experience as convenient as possible through technology. First Capital is more than just a financial institution; we actively engage in community outreach programs aimed at supporting local initiatives. By partnering with various organizations and participating in local events, we strive to make a positive impact in Dover and beyond. We invite you to join our growing family at First Capital. Experience the difference that comes from being part of a credit union that truly cares about its members and community. Together, let's build a brighter financial future! For any inquiries or assistance, feel free to reach out to us at 717-767-5551.

Branch Location & Accessibility

Accessibility Features

Our facility ensures that everyone can enjoy their banking experience. We have ample parking available right outside our door, making it easy for you to visit us. The branch is fully ADA compliant, featuring ramps and accessible entrances to accommodate all visitors comfortably.

Operating Hours

At First Capital, we understand that convenience matters. Our lobby hours are Thursday and Friday from 11:00 AM to 2:00 PM, allowing you to drop in during your busy week. If you have any questions or need assistance outside of these hours, feel free to give us a call at 717-767-5551.

Services Offered

While you're here, take advantage of our wide range of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we strive to meet all your financial needs under one roof. Our friendly staff is always ready to guide you through our offerings and help with any inquiries. We invite you to come visit us at First Capital's Eagles Nest location. Experience friendly service and discover how we can assist you with your financial journey. Your next great banking experience starts here!

Member Eligibility

At First Capital, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Joining us is simple! If you live, work, worship, or attend school in York County, Pennsylvania, you're already eligible to become a member. We welcome individuals from all walks of life, so whether you're looking for personal banking solutions or business services, you'll find a place here with us at First Capital. To explore more about our membership criteria, feel free to visit this link for detailed information. Becoming a member is just the beginning of your journey with us. You'll enjoy exclusive benefits like competitive loan rates and personalized service that truly understands your needs. If you're ready to open an account, the process is straightforward. You can find all the details on how to get started by checking out this page. Should you have any questions, don't hesitate to call us at (717) 767-5551. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $171 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $25,370,103, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business smoothly while offering your customers convenient payment options. Our merchant services make this possible. By accepting various payment methods, you can enhance customer satisfaction and boost sales. Whether you're a retail shop or a service provider, our tailored solutions simplify transactions so you can focus on what you do best growing your business. Ready to take your business to the next level? Contact us at (717) 767-5551 or visit us online at https://www.firstcapitalfcu.com/ to learn more about how we can support your journey!

Comprehensive List Of Services

Business Banking

For small business owners, we offer specialized Business Banking services. From Merchant Services that streamline payments to tailored Business Loans, we understand the unique challenges you face and are committed to helping your business thrive.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to access your accounts anytime, anywhere. Manage transactions, pay bills, and even send money to friends with just a few taps on your smartphone. Although we currently do not have ATM access at this location, our digital solutions ensure you're never far from managing your finances effectively.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing options provide the support you need. We guide you through the mortgage process, making it simple and stress-free. Whether it's your first home or you're looking to refinance an existing mortgage, our experts are here to ensure you get the best deal possible.

Let's Connect!

We invite you to visit us at 4500 Intermediate Ave Dover Pa 17315, or reach out at (717) 767-5551 during our operating hours on Thursday and Friday from 11:00 AM to 2:00 PM. At First Capital, we're more than just a credit union; we're a community partner invested in your financial success. Explore all that we have to offer by visiting our website at Eagles Nest. Together, let's achieve your financial goals!

Personal Banking Solutions

Our Personal Banking services include convenient Checking & Savings Accounts that make it easy to manage your money. Imagine having a checking account with no monthly fees and savings options that help your money grow over time. We also offer Auto Loans & Vehicle Financing to assist you in purchasing that dream car or reliable vehicle you've been eyeing. With competitive rates and flexible terms, getting behind the wheel has never been easier.

Personal Loans and Credit

For those unexpected expenses or projects around the house, our Personal Loans & Debt Consolidation options can help ease financial burdens. And if you're looking for flexibility in spending, consider our Credit Cards with Rewards. They come with benefits that reward you for everyday purchases while helping build your credit score.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.firstcapitalfcu.com/ , allows you to take control of your finances 24/7. Whether you want to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, with our mobile application, you can manage your money on the go perfect for busy lifestyles! Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple and quick. Just enter their information and the amount you wish to send, and you're done! For those who prefer paperless statements, we offer e-statements that give you an organized view of your account activity without the clutter of paperwork. You'll also appreciate that our system does not require electronic signature authorization, making it even easier for you to get started.

Security and Accessibility

Security is crucial in today's digital world. At First Capital, we prioritize the safety of your information with robust security measures in place. You can bank with peace of mind knowing your personal data is protected. We know how valuable real-time access is when it comes to managing your finances. That's why our online banking services are designed with ease-of-use in mind, allowing you to monitor your accounts whenever it suits you best. With features like mobile payments available right through our app, handling transactions has never been simpler. Enjoy the freedom and flexibility that comes with modern banking at First Capital where convenience meets security!

Financial Strength

Growing Member Base

Total Share Accounts: 48,882, showing a strong and growing member base that trusts us with their finances. This reflects the confidence our community has placed in us as their trusted financial partner. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Capital is your trusted partner. Visit us at 4500 Intermediate Ave Dover Pa 17315 or call (717) 767-5551 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Savings

Members' savings are secured through $45,888,230 in share certificates and $36,734,276 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is highlighted by our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 68 full-time employees and 5 part-time employees who are always ready to serve you with knowledge and dedication.

Reinvestment for Your Benefit

With $35,156,511 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to provide support is reflected in the $2,560 in used auto loans and $194,568,424 in total loans and leases, helping our members achieve their financial goals across various sectors.

Strong Financial Health

With a net worth of $35,932,431, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,151 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,796,969 in used vehicle loans and $20,803,941 in new vehicle loans already helping members get on the road. With flexible terms and competitive interest rates, our auto financing options are designed to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $25,370,103 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational expenses, our commercial lending team is here to assist you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $32,120,559, make buying or refinancing simple. We offer straightforward processes and personalized guidance to help you secure the right mortgage for your needs.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, we encourage you to reach out. Our team will help you understand your choices and find solutions that align with your financial situation. In summary, at First Capital in Dover, PA, we're committed to providing accessible loan products that cater to the diverse needs of our members. Explore how we can assist you today! For more information on our offerings or to apply for a loan online, visit us at First Capital. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $2,747,346 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that can enhance your purchasing power.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to sourcing data from credible institutions ensures that users receive fair and transparent loan offers.

FIRST CAPITAL FEDERAL CREDIT UNION