First Capital Credit Union York PA | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to First Capital, your trusted partner in financial success since 1954. Located at 2801 Eastern Blvd, York, PA 17402, we proudly serve a vibrant community of over 20,800 members. With total assets of $319,095,785, our commitment to you is reflected in our strong financial foundation and personalized services. At First Capital, we understand that banking is more than just numbers; it's about building relationships. Our dedicated team of 73 employees, led by CEO Susan DeStephano and Board President Stewart Olewiler, is here to provide you with tailored solutions to meet your unique financial needs. Whether you're looking for auto loans, mortgages, or personal banking services, we've got you covered. While you can visit us at our branch location, please note that any official correspondence should be sent to the same address: 2801 Eastern Blvd, York, PA 17402. Our branch features convenient services such as an ATM and drive-thru access for your ease. We are proud to offer a variety of financial products designed with you in mind. Our total loans exceed 9,152, backed by a solid net worth of $35,932,431. With total deposits amounting to $50,873,627, we ensure that your money is safe and growing. At First Capital, we're not just about business; we're about community. Your trust is our priority as we work tirelessly to support local initiatives and provide exceptional member service. Ready to take the next step? Call us today at 717-505-0037 or visit our website at First Capital FCU to explore how we can assist you on your financial journey!

Branch History & Mission

Community-Centric Services

We believe that banking should be straightforward and personalized. That's why we offer various services tailored to meet your unique needs from business banking solutions to basic ATM access for quick withdrawals or balance checks. Our commitment extends beyond mere transactions; we're here to guide you through every financial decision.

Join Us Today!

As we continue this journey together, we invite you to become part of the First Capital family. Experience firsthand how our dedicated team is ready to support you in achieving your financial goals. Whether you're looking for a loan or simply want advice on managing your finances better, reach out today at 717-505-0037 or explore our website at First Capital FCU. Join us as we build a brighter future together!

Our Journey

Since opening our doors, First Capital has focused on meeting the financial needs of our members while fostering a spirit of community. We take pride in being more than just a place to bank; we are dedicated to improving the lives of those we serve. Our journey has seen us adapt and grow with technology, ensuring our services remain accessible and user-friendly. From introducing online banking options to offering mobile payments, we continuously strive to enhance your banking experience.

Our Mission

At First Capital, our mission is simple yet powerful: to provide exceptional financial services while supporting the growth and well-being of our community. We aim to empower individuals and families by offering a range of products including checking and savings accounts, auto loans, mortgage options, and personal loans. Beyond financial products, we actively participate in community outreach efforts, partnering with local organizations to make a meaningful impact. While members can visit us at 2801 Eastern Blvd for all their banking needs, official correspondence should be sent to the same address as our mailing address. We encourage you to take advantage of our drive-thru banking services and ATM availability for your convenience.

Branch Location & Accessibility

Comprehensive Services

First Capital offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, enjoy the convenience of online and mobile banking right at your fingertips! For those who prefer cash transactions, our ATM is readily available for withdrawals and balance checks. While members can visit us at 2801 Eastern Blvd York Pa 17402, official correspondence should be sent to 2801 Eastern Blvd, York, PA 17402. If you have any questions or need assistance, don't hesitate to reach out! Call us at (717) 505-0037 or stop by today our friendly staff is ready to welcome you into the First Capital family!

Convenient Access and Features

At First Capital, we pride ourselves on accessibility. Our branch features parking options that make it simple for you to visit us. We are also equipped with ADA-compliant facilities, ensuring that everyone can access our services comfortably. If you're on the go, you'll appreciate our drive-thru banking option, where you can handle deposits and withdrawals without leaving your vehicle.

Operating Hours Tailored for You

We understand that your time is valuable. That's why our lobby hours are designed with your schedule in mind: we're open Monday through Wednesday from 8 AM to 5 PM, and Thursday and Friday from 8 AM to 6 PM. On Saturdays, our drive-thru is available from 9 AM until noon. No matter when you need us, we're here to help!

Member Eligibility

Becoming a member of First Capital is like opening the door to a welcoming community that truly cares about your financial well-being. If you're looking to join us at our location on 2801 Eastern Blvd York Pa 17402, you'll be pleased to know that eligibility is designed to be inclusive and straightforward. We invite anyone who lives, works, worships, or attends school in our community to become part of our family. Plus, we also extend membership to immediate family members of existing members. By choosing First Capital, you're not just gaining access to exceptional financial services; you're also joining a supportive network committed to helping you thrive. Ready to take the next step? Opening an account is simple! You can find all the details and start your journey by visiting our account opening page here: https://www.loanliner.com/loanrequest/clppresenter/loanlist.aspx?cuid=03707876&loanlistid=1557&channelid=0419457803308052351&locationid=1024117803308052157&isframed=f. For any questions or further assistance, feel free to give us a call at (717) 505-0037. And don't forget, you can check out more about our eligibility criteria here. We can't wait to welcome you as a member!

Business Banking & Commercial Services

Lending Solutions for Growth

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 Tailored for You

Imagine running your business without worrying about payment processing. Our merchant services make it easy for you to accept payments from customers, whether they pay with credit cards, mobile payments, or other methods. This means faster transactions and happier customers at your storefront or online shop. Located at 2801 Eastern Blvd York Pa 17402 in York, PA, we are here to help you navigate the financial landscape of running a successful business. Let's work together to turn your vision into reality! For more information, call us at (717) 505-0037 or visit our website at First Capital.

Comprehensive List Of Services

ATM and Drive-Thru Services

For those times when you need quick cash or simple transactions on-the-go, take advantage of our ATM & Cash Withdrawal Services. We also provide basic drive-thru banking for deposits and withdrawals, allowing you to complete transactions without leaving your car. At First Capital, we're not just about banking; we're about building relationships with our members in the community. To learn more about how we can assist you or to explore any specific service further, feel free to call us at 717-505-0037 or visit us online at First Capital. We look forward to helping you achieve your financial dreams!

Business Banking Support

If you're a business owner, First Capital has got you covered too! Our Business Banking services include essential tools such as Merchant Services and access to various types of Business Loans, ensuring that your enterprise thrives in today's competitive market.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. With these services, managing your accounts from anywhere has never been easier. You can check balances, transfer funds, and even pay bills right from your smartphone or computer.

Credit Options that Reward You

Looking to build your credit or earn rewards while you spend? Our Credit Cards with Rewards program is perfect for those who want to make their everyday purchases work for them.

Personal Banking Solutions

Navigating personal finances can be overwhelming, but with First Capital's Personal Banking options, we make it straightforward. Our Checking & Savings Accounts provide flexibility and ease for daily transactions and savings goals alike. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options come with competitive rates that help you drive away in style without breaking the bank. For larger purchases like homes, we offer Mortgage Loans & Refinancing solutions tailored to fit your budget. And if life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services can help you regain control of your finances.

Digital & Online Banking

Key Features

Explore our online banking platform at https://www.firstcapitalfcu.com/ to discover how easy it is to stay on top of your accounts. You can access 24/7 online banking services, allowing you to check balances, make transfers, and pay bills anytime, anywhere. Whether you're at work or relaxing at home, managing your money has never been simpler. Our mobile application adds another layer of convenience, enabling you to carry your bank right in your pocket. With features like mobile payments, making purchases has never been easier. Plus, if you want to send money to friends or family quickly, our person-to-person transfer service makes it a breeze.

Security and Accessibility

We prioritize your security while providing these services. Your personal information is protected with advanced security measures. While we don't offer electronic signature authorization right now, we ensure that every transaction is safe and secure. For those who prefer paperless options, e-statements are available for easy access to your account statements without cluttering your mailbox. This not only helps reduce paper waste but also allows for quick reference whenever needed. In today's fast-paced world, having reliable access to your finances is crucial. At First Capital, we strive to make banking as accessible and user-friendly as possible so that you can focus on what really matters in life whether that's planning a vacation or saving for a new car. Join us today and experience how our digital and online banking services can simplify your financial journey!

Financial Strength

At First Capital, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to feel confident about where you keep your money, and we are proud to share our strong financial position with you. 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 11.51% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 lending capacity is substantial; we have $2,560 in used auto loans and $194,568,424 in total loans and leases that support members' financial goals across various sectors. Our operational efficiency is reflected in our $907,102, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our total share accounts stand at 48,882, showcasing a strong and growing member base that trusts us with their finances. The performance insights and financial data mentioned here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 2801 Eastern Blvd York Pa 17402 or call (717) 505-0037 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 $39,796,969 in used vehicle loans and $20,803,941 in new vehicle loans already helping members get on the road. Whether you prefer financing for a brand-new vehicle or a reliable used car, we have options that suit your budget and lifestyle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $25,370,103 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and strive to offer tailored solutions that meet your specific needs.

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 aim to provide competitive rates and flexible terms so you can find the best fit for your financial situation.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our team is here to assist you. We encourage you to reach out at (717) 505-0037 for personalized guidance based on your financial situation. At First Capital located at 2801 Eastern Blvd York Pa 17402, we're committed to helping you succeed financially with accessible lending solutions tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our offerings today and see how we can support your journey toward financial well-being!

Unsecured Credit Card Loans

For those looking to manage their everyday expenses more effectively, we also offer flexible terms on unsecured credit card loans. With a total of $2,747,346 in loans available, our credit cards help members handle their finances while enjoying the benefits of rewards programs.

Loan Aggregator

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FIRST CAPITAL FEDERAL CREDIT UNION - York, PA

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