Blog Post

We believe financial prosperity should be accessible to all, regardless of background or circumstances. By offering competitive rates, flexible terms, and personalized service, we strive to positively impact our members' lives. Our team of knowledgeable and friendly professionals is always ready to guide you through the process, providing expert advice and assistance at every step. At First Capital FCU, we support you in turning your aspirations into tangible achievements.

Loan Accounts: Putting Our Members First

When you choose First Capital FCU for your loan accounts, you can rest assured that you're getting the best possible service and rates. Unlike banks focused on making a profit for their shareholders, credit unions like First Capital FCU are not-for-profit organizations owned by their members. We can offer lower rates and better service than traditional banks.

At First Capital FCU, we offer various loan account options, including personal loans, auto loans, and credit cards. Our auto loans offer competitive rates and flexible repayment terms, so you can get the car you need without breaking the bank. Our credit cards come with low rates and great rewards.

When you choose First Capital FCU for your loan accounts, you'll enjoy personalized service from our friendly and knowledgeable staff. We'll work with you to find the best loan options for your needs, and we’ll be there to answer any questions you have.

Mortgages: Putting Community First

At First Capital FCU, everyone deserves the opportunity to own their home. That's why we offer a wide range of mortgage options to help our members achieve their dreams of homeownership.

Whether you're a first-time homebuyer or an experienced homeowner, we have the right mortgage options. Our fixed-rate mortgages offer the stability and predictability of a consistent monthly payment, while our adjustable-rate mortgages offer the flexibility of a lower initial rate. We also offer FHA loans and VA loans for those who qualify.

When you choose First Capital FCU for your mortgage, you'll enjoy competitive rates and flexible repayment terms. We'll work with you to find the best mortgage options for your needs and be there to answer any questions you have.

Mortgage Loans: Putting Members and Community First

At First Capital FCU, we understand that getting a mortgage can be complex and intimidating. That's why we offer various mortgage loan options to help make the process as easy and stress-free as possible. We give you the following benefits for your mortgage loan at First Capital FCU:

1. Wide Range of Options: At First Capital FCU, we offer various mortgage loan options to cater to the diverse needs of our members. Whether you're looking for a conventional loan, a jumbo loan, or a first-time homebuyer program, we have the right solution.
2. Competitive Rates: Our conventional loans come with competitive interest rates, ensuring you can secure a mortgage with favorable terms. We understand the importance of finding a mortgage that aligns with your financial goals, and our rates are designed to help you achieve just that.
3. Flexible Repayment Terms: Every individual's financial situation is unique. With our conventional loans, you can benefit from flexible repayment terms, allowing you to choose a mortgage that fits your budget and long-term financial plans. We aim to give you the flexibility to make your mortgage more manageable.
4. Jumbo Loan Options: We offer jumbo loans for those requiring a mortgage exceeding the conforming loan limit. These loans provide the necessary borrowing capacity to fulfill your aspirations of owning a higher-value property. Our jumbo loans come with competitive rates and terms, ensuring you can secure the financing you need.
5. First-Time Homebuyer Programs: We understand that becoming a homeowner for the first time can be an exciting yet challenging journey. We offer special incentives and benefits through our first-time homebuyer programs. These programs aim to make homeownership more affordable and accessible, providing the support and resources you need to confidently take your first steps.
6. Expert Guidance: Our experienced professionals are here to guide you throughout the mortgage process. We are committed to being your trusted advisors, providing clear explanations, answering your questions, and offering valuable insights. You can rely on our expertise and support to navigate the complexities of obtaining a mortgage.

At First Capital FCU, we strive to simplify the mortgage process, making it easier and less intimidating for our members. We are dedicated to providing competitive rates, flexible terms, and outstanding service to help you confidently achieve your homeownership goals.

Putting You First

At First Capital FCU, our utmost dedication lies in prioritizing the well-being and satisfaction of our esteemed members and the community we serve. Our unwavering commitment drives us to go above and beyond to assist you financially. Whether you seek a loan account to fulfill your financial needs, a mortgage to secure your dream home, or expert financial advice to guide you toward a prosperous future, our team is readily available to offer their expertise and support.

When you choose First Capital FCU, you can access exceptional benefits and services designed with your best interests in mind. We take pride in providing competitive rates that align with your financial goals, ensuring you have the flexibility you need regarding repayment terms. Moreover, our friendly and knowledgeable staff members are dedicated to delivering personalized service tailored specifically to your unique requirements.

We eagerly anticipate the opportunity to serve you and demonstrate firsthand the exceptional service and care that sets First Capital FCU apart. Allow us to assist you in achieving your financial goals and experience the unparalleled advantages of membership. Join us today and discover a new world of financial possibilities that await you at First Capital FCU.