First Capital Credit Union York PA | Best Auto Loans & Business Banking

Introduction

Welcome to First Capital, your trusted credit union serving the York community since 1954. Nestled at 2602 Course Rd, York, PA 17402, we take pride in providing personalized financial solutions tailored to meet your unique needs. With over 21,000 members and a total asset base of $345,258,299, our commitment to fostering financial health and stability is stronger than ever. At First Capital, we understand that every member's journey is different. That's why we offer a variety of services ranging from personal banking and auto loans to business financing and online banking options. Our dedicated team, led by CEO Susan DeStephano and Board President Stewart Olewiler, is here to ensure you receive the support and guidance needed to achieve your financial goals. Our strong financial standing reflects our commitment to our members. We boast a net worth of $38,149,254 and have successfully facilitated over 9,045 loans and leases for our members. Additionally, with total deposits amounting to $73,369,790, you can trust us to keep your money safe while helping it grow. While you're welcome to visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: 2602 Course Road, York, PA 17402. Join us in making a positive impact in our community as we continue to provide exceptional service and support. For any inquiries or assistance, don't hesitate to reach out at (717) 767-5551 or explore more about what we offer at our website. Experience the difference with First Capital where your financial success is our priority!

Branch History & Mission

Community Engagement

Community involvement is at the heart of what we do. We actively participate in local events and support various outreach efforts aimed at improving the lives of those around us. Our partnerships with local organizations help us give back and create opportunities for growth within York and its neighboring areas. While members can visit us at 2602 Course Rd for all their banking needs, official correspondence should be sent to our mailing address: 2602 Course Road, York, PA 17402.

Join Us!

As we continue to grow and evolve, we invite you to become part of our story. At First Capital, you're not just a member; you're family. Experience the benefits of being with a credit union that genuinely cares about your financial success. Reach out today at 717-767-5551 or visit us online at First Capital FCU to learn more about how we can serve you better!

Our Mission

Our mission at First Capital is simple yet powerful: to enhance the financial well-being of our members and the communities we serve. We believe in putting people first providing tailored financial solutions that meet individual needs while fostering community growth and engagement. Our team works tirelessly to ensure that every member feels valued and supported. We understand that banking should be convenient and accessible for everyone. That's why we offer robust digital services like online banking and mobile payments. We also provide ATM access and drive-thru banking for those who prefer face-to-face interactions without stepping inside the branch. Whether you're making deposits or cash withdrawals, we aim to make your experience as smooth as possible.

Branch Location & Accessibility

Convenient Access

If you need to send official correspondence, please note that you can use the same address for mailing: 2602 Course Road, York, PA 17402. Our branch is nestled in beautiful York County, known for its friendly community and vibrant atmosphere. Parking is ample and straightforward, ensuring a hassle-free visit. We take pride in being accessible to everyone; our facilities comply with ADA standards, featuring ramps and designated parking spots for those who need them.

Get in Touch

Have questions or want to learn more about what we offer? Don't hesitate to reach out! You can call us at 717-767-5551. We're here to help and look forward to welcoming you at our South York branch soon!

Operating Hours & Services

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Visit us on Monday through Wednesday from 8:00 AM to 5:00 PM, or on Thursday and Friday from 8:00 AM to 6:00 PM. For your convenience, our drive-thru service is available on Saturdays from 9:00 AM to 12:00 PM, so you can get things done without leaving your car. At First Capital, we offer a variety of services tailored to meet your needs whether it's personal banking, auto loans, mortgage options, or business banking solutions. We also provide ATM services for quick cash withdrawals and basic transactions without stepping inside the branch.

Member Eligibility

At First Capital, we believe that everyone deserves a chance to join our welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or goes to school in York County. We're here to support you with personalized financial services tailored to your needs. Enjoy benefits like lower fees, better rates on loans, and access to exclusive member-only products that can help you achieve your financial goals. To get started, just visit us at our branch located at 2602 Course Rd York Pa 17402 or give us a call at (717) 767-5551. You can also find more detailed eligibility criteria by visiting this link. Opening an account is easy too! Just follow the instructions at https://www.loanliner.com/loanrequest/clppresenter/loanlist.aspx?cuid=03707876&loanlistid=1557&channelid=0419457803308052351&locationid=1024117803308052157&isframed=f. Join us today and discover how being part of First Capital can make a positive difference in your financial journey!

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 $173 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 $26,854,784, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

When it comes to day-to-day operations, having reliable merchant services can make a significant difference. Imagine processing payments quickly while keeping track of sales seamlessly. Our merchant services allow you to accept various payment methods, making transactions smoother for both you and your customers. Located at 2602 Course Rd York Pa 17402 in York, PA, our dedicated team is ready to assist you with all your business banking needs. Call us at (717) 767-5551 or visit us today to discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For local entrepreneurs and businesses, we offer comprehensive Business Banking services that include Merchant Services and Business Loans. Let us help you grow your business with financing options tailored specifically for small business needs.

Credit Cards

Our Credit Cards with Rewards program lets you earn points on every purchase. Use them for travel, merchandise, or even cash back! It's a smart way to make your spending work harder for you.

Digital and Convenient Banking Options

In today's fast-paced world, we understand that convenience matters. That's why our Online & Mobile Banking features allow you to manage your accounts from anywhere at any time. With easy access to ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits and withdrawals, banking is now at your fingertips. No matter what financial service you're looking for, First Capital is here to support you every step of the way. If you have questions or want to learn more about any service we offer, don't hesitate to reach out at (717) 767-5551 or visit us online at South York. Your financial well-being is our priority!

Home Financing

For those planning to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed to help you secure the best rates available. Picture yourself settling into a new home with payments that work for you.

Personal Banking

Whether you are opening your first checking account or saving for a big purchase, our personal banking options have you covered. We offer Checking & Savings Accounts that fit various lifestyles. With competitive interest rates and no hidden fees, managing your money becomes easier than ever.

Personal Loans

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can offer relief. Whether it's for medical bills, home repairs, or other needs, we provide straightforward lending solutions to help you get back on track.

Vehicle Financing

Looking to buy a new car? Our Auto Loans & Vehicle Financing options provide flexible terms and competitive rates. You can find the right loan that suits your budget without the stress of complicated paperwork. Imagine driving off in your dream vehicle while knowing you got the best deal possible!

Digital & Online Banking

At First Capital, we understand that managing your finances should be easy and secure, no matter where you are. That's why we offer a range of digital and online banking services designed to give you control over your money with just a few clicks or taps. Our online banking platform, accessible at https://www.firstcapitalfcu.com/, is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. You can even set up person-to-person transfers, making it simple to send money to friends or family without the need for cash or checks. If you prefer using your smartphone, our mobile application brings all these features right to your fingertips. With mobile payments, you can make purchases easily and securely without carrying cash or cards. Plus, you'll receive e-statements directly in your email, making it easier to keep track of your transactions while being eco-friendly. Security is our top priority. While we do not currently offer electronic signature authorization for online transactions, rest assured that our systems are designed with robust security measures to protect your personal information. With real-time account management and user-friendly features, managing your finances has never been more accessible or convenient. Whether you're at home or on the go, First Capital ensures that your banking needs are just a click away!

Financial Strength

Committed Team

We also take pride in having 65 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. This dedication allows us to provide personalized service tailored to your needs.

Investing Back into the Community

With $37,528,790 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $194,767,408 reflect our capacity to support your financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $61,138,651 in share certificates and $37,019,783 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.

Strong Financial Health

With a net worth of $38,149,254, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.72% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Summary of Our Strengths

Our $907,102 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts stand at 50,022, showing a strong and growing member base that trusts us with their finances. 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 2602 Course Rd York Pa 17402 or call (717) 767-5551 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $41,163,904 in used vehicle loans and $18,225,524 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that cater to your budget and lifestyle. We also provide refinancing options if you're looking to lower your monthly payments or reduce interest rates on your current auto loan.

Business Loans

For business owners, our outstanding commercial loans totaling $26,854,784 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or looking to enhance an existing one, our team is here to support you with funding solutions tailored for your unique business needs. At First Capital, we pride ourselves on providing personalized service and clear communication throughout the loan process. Explore our eligibility options or apply today by visiting us online 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. Let us help you take the next step toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $31,853,124, making buying or refinancing simple. We understand that purchasing a home is one of the biggest decisions you'll ever make. That's why we offer competitive rates and flexible terms to fit your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $2,622,818 in loans helping members manage their finances effectively. These cards come with various benefits designed to assist you with everyday purchases while keeping your financial health in check.

Loan Aggregator

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FIRST CAPITAL FEDERAL CREDIT UNION - York, PA

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