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The Credit Union is operated solely for the benefit of its members. Earnings are returned to members in the form of higher dividends and enhanced services. All of the financial products and quality service provided to our members demonstrate First Capital's personal 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.

Membership Eligibility

First Capital Federal Credit Union members are also owners, helping each other offer competitive savings, checking and loan programs that are designed to assist members in building a better financial lifestyle. Becoming a member of First Capital means that you can take advantage of all the benefits of membership 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 membership at First Capital Federal Credit Union, 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
  • Roommate or someone sharing another member's household
  • Volunteer associated with a First Capital Preferred Business Partner

Become a Member Today

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 at the same time. We invite you to join the nearly 20,000 members who have discovered the First Capital Federal Credit Union advantage.

Join Now

Note: Please be aware First Capital FCU will request information from those applying for membership to verify your identity.

Prefer to Join In Person?

Please visit a branch location. With you, bring:

  1. 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.
  2. 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 send us an email . Please  refer to our Preferred Business Partner Sample Letter  to ensure that we receive the necessary information to consider your request.