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Attention adrenaline junkies — we've got your weekend plans covered. Purchase your next dirt bike, jet ski, or other recreational vehicle with the help of First Capital's affordable financing.

  • Competitively low rates for a wide range of recreational vehicles:
    • ATVs
    • Dirt bikes
    • Boats
    • Jet skis
    • RVs
    • Campers
  • Terms up to 120 months, depending on the vehicle
  • Up to 100% 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.

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.