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

Introduction

Welcome to First Capital, your trusted financial partner located at 1601 Kenneth Rd, York, PA 17408. Since our establishment in 1954, we've been dedicated to serving our community with integrity and commitment. With over 20,800 members and total assets of $319,095,785, we take pride in being a strong pillar in the local economy. At First Capital, we understand that your financial needs are unique. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our total deposits of $50,873,627 reflect the trust our members place in us. We also offer business banking services to help local entrepreneurs thrive. Under the leadership of our CEO, Susan DeStephano, and Board President, Stewart Olewiler, our dedicated team of 73 employees is here to provide you with exceptional service. You can reach us at 717-767-5551 for any inquiries or assistance. While members can visit us at 1601 Kenneth Rd, official correspondence should be sent to our mailing address: PO Box 7746, York, PA 17404-0746. Join us today and experience the benefits of being a part of First Capital. Visit our website at firstcapitalfcu.com for more information on how we can help you achieve your financial goals!

Branch History & Mission

At First Capital, we are proud of our rich history and unwavering commitment to serving the community in York, PA. Founded in 1954, our branch has been a cornerstone of financial support for over six decades. Since opening our doors at 1601 Kenneth Rd, York, PA 17408, we've grown from a small credit union into a trusted financial partner for 20,823 members. Our journey reflects not just growth in numbers but also in the meaningful relationships we've built with our members and the communities we serve. Our mission is simple yet profound: to provide accessible financial services while empowering our members and supporting local initiatives. We believe that by putting people first, we can help them achieve their financial goals be it through checking and savings accounts, auto loans, mortgages, or business banking solutions. Our total assets now stand at an impressive $319,095,785, which highlights our stability and capability to offer competitive products and services. We understand the importance of convenience in today's fast-paced world. That's why we offer various ways to access your finances, including ATM services and a drive-thru banking option for those who prefer face-to-face interaction without leaving their vehicle. Our operating hours are designed to accommodate busy schedules: Monday through Wednesday from 8:00 AM to 5:00 PM, Thursday and Friday until 6:00 PM, and Saturday drive-thru service from 9:00 AM to 12:00 PM. While members can visit us at 1601 Kenneth Rd, official correspondence should be sent to our mailing address at PO Box 7746, York, PA 17404-0746. First Capital is more than just a credit union; we are dedicated to making a positive impact within our community. Through partnerships with local organizations and outreach programs, we strive to uplift those around us. Our team is committed to providing personalized service that meets the unique needs of each member. As we continue on this journey together, we invite you to join our family at First Capital. Experience the difference that comes with being part of a community-focused credit union where your financial well-being is our top priority. Visit us online at First Capital FCU or call us at 717-767-5551 to learn how we can help you achieve your financial dreams!

Branch Location & Accessibility

Convenient Access and Features

At First Capital, we believe that banking should be as convenient as possible. Our branch features ample parking for all our visitors, and we take pride in being ADA compliant, ensuring everyone can easily access our services. If you prefer a bit of extra convenience, our drive-thru service is here for quick transactions without ever having to leave your car. While members can visit us at 1601 Kenneth Rd, official correspondence should be sent to our mailing address: PO Box 7746, York, PA 17404-0746.

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at 717-767-5551. Our team is always ready to help you navigate your financial journey. We invite you to stop by First Capital today and experience how convenient banking can be!

Welcoming Hours and Services

We're here for you during the week with lobby hours from 8 AM to 5 PM on Monday through Wednesday, and from 8 AM to 6 PM on Thursday and Friday. Don't forget about our Saturday hours when you can use our drive-thru from 9 AM until noon! We want to make sure that banking fits into your schedule. First Capital offers a wide range of services designed with you in mind. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, with online and mobile banking available, managing your finances is just a click away!

Member Eligibility

Joining First Capital is like stepping into a welcoming community where your financial goals are prioritized. Becoming a member is simple! If you live, work, worship, or attend school in York County, Pennsylvania, you're already eligible to join us. We believe that everyone deserves access to personalized financial services that can help them thrive. Once you're a member, you'll enjoy benefits like lower loan rates, higher savings yields, and a range of services designed just for you. To learn more about the specific eligibility criteria and ensure you're ready to take this exciting step. When you're ready to open an account and start enjoying all that First Capital has to offer, the process is straightforward. You can find all the details you need at https://www.loanliner.com/loanrequest/clppresenter/loanlist.aspx?cuid=03707876&loanlistid=1557&channelid=0419457803308052351&locationid=1024117803308052157&isframed=f. If you have any questions or need assistance along the way, don't hesitate to give us a call at (717) 767-5551. We're here to help you on your journey to financial success!

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

But it doesn't stop at loans. Our merchant services are designed to simplify payment processing so you can focus on what matters most growing your business. Whether you're a retail store or a service provider, we offer solutions that fit your needs, allowing you to accept payments easily and securely. Visit us at 1601 Kenneth Rd York Pa 17408 in York, PA or call us at (717) 767-5551 to learn how we can support your business journey today!

Comprehensive List Of Services

Accessible Drive-Thru Banking

Sometimes you just want to get in and out quickly. Our drive-thru banking offers basic services like deposits, withdrawals, and simple transactions right from your car perfect for those on-the-go moments. At First Capital, we pride ourselves on being more than just a financial institution; we're a partner in your financial success. With our commitment to exceptional service and community involvement, we invite you to experience all that we have to offer. If you're ready to explore these services further or have any questions, please don't hesitate to reach out! Call us at (717) 767-5551 or visit us online at Main Office. Let's work together towards achieving your financial goals!

Business Banking Services

For entrepreneurs and small business owners, we provide comprehensive business banking solutions including merchant services and business loans. We aim to empower local businesses in York by offering tailored support for your unique needs.

Convenient Online and Mobile Banking

In today's busy world, convenience is key. Our online and mobile banking features allow you to manage your finances from anywhere at any time. Whether it's checking your balance, transferring funds, or paying bills, everything is just a few taps away. You can even access our ATM and cash withdrawal services, ensuring you have cash when you need it without any hassle.

Credit Cards and Rewards

We know how important it is to earn rewards while spending. That's why we offer credit cards with rewards that allow you to earn points or cash back on your purchases, making every dollar count.

Personal Banking Solutions

Whether you're just starting out or planning for your future, our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your day-to-day finances while also saving for tomorrow. If you're in need of a vehicle, our auto loans and vehicle financing options can get you behind the wheel without breaking the bank. For those looking to purchase a home, our mortgage loans and refinancing services make navigating the housing market much easier. Plus, if you're tackling debt, our personal loans and debt consolidation can help streamline your payments into one manageable solution.

Digital & Online Banking

Key Features

Our online banking services offer a range of user-friendly features that make financial management simple. Enjoy the convenience of e-statements, which are available for all members. This means no more paper clutter; you can view your statements online whenever you need them. Plus, if you ever need to sign documents electronically, we have electronic signature authorization available making it even easier to complete transactions from home. If you're on the go, our mobile application is here to help. It supports mobile payments, so you can make purchases directly from your phone without needing cash or cards. You can also send money easily with our person-to-person transfers perfect for sharing expenses with friends or family.

Security and Accessibility

Your security is our top priority. Our digital services utilize advanced encryption and security protocols to keep your information safe while providing an intuitive experience. You can bank with confidence knowing that your data is protected. Whether you're at home or out and about, accessing your accounts has never been easier. With real-time account management features, you can stay on top of your finances effortlessly. So whether you're checking balances or making payments, First Capital ensures that everything is just a tap away. Explore all our digital banking options today at https://www.firstcapitalfcu.com/ and discover how convenient banking can be!

Financial Strength

A Growing Community

Total Share Accounts stand at 48,882, showing a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide top-notch service while maintaining the stability you expect from your credit union. 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 1601 Kenneth Rd York Pa 17408 or call (717) 767-5551 to learn more about how we can help you achieve your financial goals.

Committed to Member Success

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 robust; with $2,560 in used auto loans and $194,568,424 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $907,102, enabling 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 a knowledgeable, committed team.

Secure Savings Options

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.

Solid Financial Health

With a net worth of $35,932,431, we maintain strong 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.

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're purchasing a brand-new model or a reliable pre-owned vehicle, our financing options make it simple and affordable.

Business Financing

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 faced by entrepreneurs and are here to support your journey with competitive rates and personalized service.

Eligibility and Refinancing Options

If you're interested in any of our loan products or want to explore eligibility options for refinancing your current loans, don't hesitate to reach out. Our knowledgeable staff is available at (717) 767-5551 to assist you with any questions you may have. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At First Capital, we're committed to providing you with transparent information and reliable service as you navigate your financial journey.

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 straightforward. We also provide refinancing options for existing mortgages to help you secure better terms and save money over time.

Unsecured Credit Cards

We also offer 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 rewards and benefits tailored to meet your lifestyle needs.

Loan Aggregator

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Ensuring Accurate 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 strict adherence to regulatory standards guarantees fair and transparent offers. By working only with legitimate lenders, LendMesh helps users trust the information they receive.

FIRST CAPITAL FEDERAL CREDIT UNION - York, PA

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