First Capital Federal Credit Union

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A short history of First Capital FCU

Since its inception in 1954 the First Capital Federal Credit Union has been serving its members in the York, Pennsylvania area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Susan DeStephano, the First Capital FCU has grown its membership to over 18,582 with assets of more than $196,136,348. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (717) 767-5551 or email them at info@firstcapitalfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in York, PA.

General Information For First Capital FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24490
Address PO Box 7746 
City York 
State Pennsylvania 
Zip-Code 17404
Phone Number (717) 767-5551
Fax Number (717) 767-6207
Email Address: info@firstcapitalfcu.com
CEO/President Susan DeStephano
Members 18,582 
Full-Time Employees 56 
Part-Time Employees
Number of Branch Offices
Total Assets 196,136,348 
Website http://www.firstcapitalfcu.com 

Compare First Capital Federal Credit Union To Other Local Credit Unions


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Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Local 229 Ibew CU LOCAL 229 IBEW FEDERAL CREDIT UNION 555 WILLOW SPRINGS LN 17406 (717) 854-5254 No 3.02
Wilmac Employees' CU Wilmac 209 N Beaver St 17405 (717) 854-7857 No 3.86
Pace Resources CU PACE Resources Federal Credit Union 400 Seaks Run Rd 17327 (717) 227-3316 No 3.94
West York Area School Dist Em CU West York Area School District Employees Federal Credit Union 1701 W Market St 17404 (717) 843-6559 No 4.01
Heritage Valley CU Pleasant Valley Road Office 2400 Pleasant Valley Rd 17402 (717) 840-4981 No 5.10

First Capital Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


First Capital Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.74 2.49 2.49 4.24 4.24
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 138 83 51 173 131
Rank Among All Pennsylvania Credit Unions 18 26 11 52 46

First Capital Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.25 0.40 0.50 0.85
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 95 76 263 179
Rank Among All Pennsylvania Credit Unions 13 27 9 72 30
First Capital Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.7401,3872,584,099
All Other Unsecured Loans/Lines of Credit 9.5001,6464,529,496
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.0002166,933,525
New Vehicle Loans 2.4902865,414,760
Used Vehicle Loans 2.4902,92031,831,753
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.24083053,315,091
Total Other Real Estate Loans/Lines of Credit 4.24060012,905,942
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0002261,817,697
TOTAL LOANS & LEASES 8,111119,332,363

First Capital Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 29225,974,654222,375,107
    b. 15 Years or less 2598,808,96521856,476
Balloon/Hybrid
    a. > 15 years 4854,43900
    b. 15 Years or less 274,935,8131585,831
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 2036,414,252141,578,851
Adjustable Rate > 1 yr 456,326,968112,002,934

OTHER REAL ESTATE

Closed-End Fixed Rate 2957,641,525341,212,336
Closed-End Adjustable Rate 1397,2781399,411
Open-End Adjustable Rate 3024,820,59920681,310
Open-End Fixed Rate 246,54000
TOTALS 1,43066,221,0331249,692,256

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 232,395,3501,804,000
Interest Only & Payment Option Other RE/LOC Loans 6219,851150,000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

First Capital Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes