First Capital Federal Credit Union
Headquarters
Po Box 7746
York, PA 17404
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2024 Overview
General Credit Union Information
First Capital is an NCUA insured institution located in York, PA. It was founded in 1954 and has approximately $313.53 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24490 |
| Date Established | 1954 |
| Assets | $313.53 million |
| Loans | $191.81 million |
| Deposits | $278.90 million |
| Capital | $34.80 million |
Field of Membership Restrictions
Membership is open to employees or retirees of the credit union's Select Employee Group.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for First Capital
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to First Capital
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Branches
Below are First Capital branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
First Capital Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 330.03 | A | View Lobby Hours | |
| 334.72 | B | View Lobby Hours | |
| 334.80 | C | View Lobby Hours |
Climate Policy and Initiatives
FIRST CAPITAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
First Capital Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First Capital. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| First Capital | U.S. Average |
|---|---|
| 2.87% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, First Capital had $1,018,885 in non-current loans and $1,775 in owned assets. To cover these potential losses it had $34,796,045 in net worth and $802,095 in loans loss reserves. That gives it a Texas Ratio of 2.87%.
Net Worth
| First Capital | U.S. Average |
|---|---|
| 11.29% | 13.93% |
First Capital FCU has a net worth of 11.29% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for First Capital
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