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First Capital

PO Box 7746, York, PA 17404
NCUA Insured3.9 (67 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 7746

York, PA 17404

Service Area

This credit union is located in York and serves members in the PA area. Currently serving 21,289 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

5.74%

Personal Loan

10.00%

Credit Card APR

11.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in PA

Lowest rates currently reported by credit unions in PA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

3.9

67 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
M

M

7 months ago

I have been a member for years (maybe two decades) Switching from a traditional bank to First Capital was the best decision. Like throwing the fox out of my henhouse. NO REGRETS

Audrey

Audrey

6 months ago

We have been members here since they opened and bought out the last Cred union. The Best! People friendly, curteous and respectful employees!

joan luce

joan luce

6 months ago

I have been a customer here for almost 40 years. Great customer service, prompt service, and better interest on my savings than what I get at at other banks.

Whitney Schaeffer

Whitney Schaeffer

a year ago

I only keep my account open here because they have good rates. My husband has his car loan here. They’re never friendly, and act as if you’re bothering them. I gave the one teller $3 in quarters, just to keep activity in my account. She told me she’ll take them this time but next time I needed to use the coin machine in West York. Like what? 10 miles away? Can you not count? That’s the most absurd thing I’ve ever heard a financial institution say. This is also why I have my main accounts at another credit union.

Melody Potter

Melody Potter

a year ago

I hate this place, I got there about 30 minutes before they closed to see if I could request to increase my credit limit and the lady told me it was too late and that I'd have to come back tomorrow, even though all the office people were just standing around talking with each other, doors wide open like they were still accepting people. There's absolutely no reason one of them couldn't help me put in the request quick, but she didn't even bother asking them. With my work schedule and transportation I can only ever get there so early, so its extremely disappointing that they turn people away while still open. If you stop helping customers at a certain time then that time should be the posted closing time. Also I applied for and got my credit card online, so why the heck can't I increase my limit online too?? Always horrible customer service here so I try to avoid going in as much as possible.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).