Experience the benefits of a credit union membership with First Capital Federal Credit Union. As a member, you can access a wide range of financial products and services designed to support your financial well-being. Our commitment to our members and the community ensures you receive personalized service and competitive rates. Join us today and be part of a financial institution where you truly matter.
Why Join Us?
The Credit Union is operated solely for the benefit of its members. Earnings are returned to members through higher dividends and enhanced services. All of the financial products and quality service provided to our members demonstrate First Capital's commitment to live our mission: "The financial well-being of our members and dedication to our community come FIRST."
We satisfy the financial needs of our members with a full line of consumer-friendly products and services, many at no cost. We offer loans designed to meet our members' credit needs — new and used vehicle, home equity, consolidation, credit builder, personal and student. Plus, you'll appreciate our low loan rates.
First Capital Federal Credit Union Membership Benefits
- Competitive savings and checking accounts
- Exclusive low loan rates
- Access to a wide range of consumer-friendly products and services, many at no cost
- Lifetime membership, regardless of job changes or relocation
- Personalized member service
- Rewards and special offers
- Access to various loan programs: new and used vehicle, home equity, consolidation, credit builder, personal, student and more
Learn More About Our Members' Benefits
Membership Eligibility
First Capital Federal Credit Union members are also owners, helping each other offer competitive savings, checking, and loan programs designed to assist members in building a better financial lifestyle. Becoming a member of First Capital means taking advantage of all membership benefits for as long as you are a member.
Once a member, always a member. Once your membership is open, whether you retire, change jobs, or relocate, you can still keep your membership with First Capital. Being an employee of an affiliated organization may bring you to First Capital, but our personal member service and constantly improving benefits will keep you a part of the First Capital Federal Credit Union family.
To qualify for a credit union membership at First Capital, you must be one of the following:
- An employee or retiree of a Preferred Business Partner affiliated with First Capital Federal Credit Union
- An employee's immediate family member - related by blood, marriage, or other recognized family relationship
- A roommate or someone sharing another member's household
- Volunteer associated with a First Capital Preferred Business Partner
How to Join
Online Membership Application
Get started right away by opening and funding your Regular Share Savings account online with as little as $5. By opening this account, you will be walked through the membership application process simultaneously. We invite you to join the nearly 21,000 members who have discovered the First Capital Federal Credit Union advantage.
Apply for a Credit Union membership online today!
Note: Please be aware First Capital FCU will request information from those applying for membership to verify your identity.
In-Person Membership Application
Please visit a branch location. With you, bring:
- Your ID - We accept the following forms: Valid Driver's License, State-Issued ID card (no more than 4 years old), Military ID Card or other government-issued ID, Passport or Resident Alien Card.
- A minimum of six dollars. Five dollars will establish your membership at the credit union with a Share Savings account plus one dollar for a one-time membership fee.
Become a Preferred Business Partner
If your company is not affiliated with First Capital, contact us to find out how your company can become a Preferred Business Partner. Call (717) 767-5551 ext. 1125 or email us . Please refer to our Preferred Business Partner Sample Letter to ensure that we receive the necessary information to consider your request.
Have Questions? Get In Touch!
If you have any questions about our credit union membership or need assistance, please don't hesitate to contact us. Our team is here to help you every step of the way. You can reach us by phone, email, or by visiting one of our branch locations.
We look forward to helping you join the First Capital Federal Credit Union family.