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Better Than Your Bank

What is a Credit Union? How does it differ from a Bank? Credit unions and banks exist to provide financial services. Their similarities end there and the differences that make credit unions unique begin to become more evident.

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What Sets Us Apart: the First Capital Difference

Safe & Secure

National Credit Union Administration (NCUA)

Accounts at First Capital are insured by the National Credit Union Administration (NCUA), a U.S. government agency, up to $250,000.

Excess Share Insurance Corporation (ESI)

First Capital also offers additional insurance through Excess Share Insurance Corporation (ESI), a licensed insurance company. ESI covers your account up to an additional $250,000, at no charge. That means your savings are automatically insured up to $500,000, at no cost e.g. a couple with (two) individual accounts and a joint account is covered up to $1,000,000 with the NCUA and an additional $1,000,000 with ESI for a total of TWO million dollars! Additionally, Individual Retirement Accounts (IRAs) are insured up to $250,000 through the NCUA and $250,000 through ESI. ESI, providing real peace of mind for your nest egg!