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When it comes to big purchases, choose financing from people you trust. Our auto loans put you first with up to 115% financing, and we offer insurance and other resources to help you beyond the dealer lot.

  • Competitively low rates for new or used vehicles
    • Terms ranging from 12 to 84 months on new vehicles
    • Terms ranging from 12 to 72 months on used vehicles
  • Up to 115% financing for qualified borrowers
  • Quick and easy pre-approval available for extra bargaining power at the dealership
  • Refinance a vehicle currently financed with another lender to potentially lower your rate, regardless of how long ago you made the purchase
  • Local Central Pennsylvania decision-making and processing
  • One-on-one, member-focused attention throughout the entire process

Add an extra layer of protection

Member's Choice™ Borrower Security provides peace of mind for both you and your family by protecting your loan payment in the event something unforeseeable should happen to you. Learn more about the benefits of payment protection today.

Pre-Approved Freedom Check

Break loose from the limitations and stress of financing through a dealership! Start your car buying process with us. We’ll pre-approve you for the amount of your loan and then you can shop with confidence knowing that you have a check (we call it a Freedom Check!) to buy your vehicle at a low rate without any surprises.

When something unexpected happens to your vehicle, Guaranteed Asset Protection (GAP) can help! This product bridges the gap between the amount you owe on your vehicle and the amount your auto insurance company pays in the event that your vehicle is totaled or stolen and not recovered.

Why take chances with your investment? You may be surprised to learn that the value your auto insurance company gives your vehicle may be substantially less than the amount you actually owe. The result is a financial "gap", which you are responsible for paying should your vehicle be totaled or stolen and not recovered. This "gap" liability could cost you thousands of dollars.

That's why First Capital Federal Credit Union offers GAP Plus — a more affordable form of protection than any plan you're likely to find through a dealership. If your vehicle is declared a total loss by your insurance company due to accident or theft, for a low one-time premium, GAP Plus pays any remaining loan balance your auto insurance does not pay.


If you file a claim for theft or an accident resulting in the total loss of your covered vehicle, GAP Plus protection will apply a principal payment of $1,000 towards your next auto loan when you finance it with First Capital within 120 days.

Avoid the "gap" and protect yourself and your investment with GAP Plus. For more information about GAP Plus, call us at (717) 767-5551 to speak with a Member Service Officer.

The average costs of repairs can be expensive.

Mechanical Repair Coverage can help limit the cost of covered repairs – and protect your finances.

Mechanical Repair Coverage may help limit unexpected covered repair costs as your vehicle ages, potentially saving your budget from future unexpected repair costs. What’s more, it can be used at any authorized repair facility in the U.S. or Canada.

With MRC you can enjoy many valuable benefits among which are:

  • Rental reimbursement: up to $35 per day (5-day maximum, 10-day maximum for parts delay); available on the first day of a covered repair
  • 24-hour emergency roadside assistance: up to $100 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.

Protect yourself from unexpected costly repairs – Talk to a Member Service Officer to find out what Mechanical Repair Coverage plan is right for you.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

MRC-3415612.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.

NADA Guides

Easily go online anytime to get new car pricing and used book values, helping you make more informed selections. Get started right away!

CARFAX Vehicle History Report

That shadow of doubt can take your car buying experience from great to grey, quickly. Know exactly what you're buying by utilizing CARFAX online services.

CARFAX provides a complete used vehicle service report based on the vehicle identification number. Receive a FREE report when you finance your used vehicle at First Capital.

Enterprise Car Sales

Take advantage of Enterprise Car Sales for your next great vehicle. Enterprise offers a 7-day buyback, 12-month/12,000 mile limited power-train warranty, 109-point vehicle certification, and their prices are below Kelly Blue Book! Enterprise will find the car you're looking for, bring it to your door at no obligation to you, and First Capital will give you a great deal on the financing!

Visit Enterprise Car Sales online or call Enterprise Car Sales at 800-CAR-SALES ( (800) 529-2616) to get started.

While you're making efforts to help save the planet, we're working to help save you money. Our Green Loans offer special rate discounts given to members for their green efforts. By purchasing a new or used hybrid vehicle or other vehicle that exceeds 32 highway MPG, you can benefit from a 0.15% rate discount.

Learn More

To find out the fuel-efficiency of new and/or used vehicles, visit This website was developed by the U.S. Environmental Protection Agency (EPA) and the U.S. Department of Energy (DOE) to help you choose the most fuel-efficient vehicle to meet your needs.