Our Lobbies Reopen on June 1, 2020!

First Capital Federal Credit Union took the utmost precautions in protecting your health and safety as you visited our drive-thru locations over the last two months during this pandemic. Now we are happy to share:

First Capital will open its lobbies on Monday, June 1, 2020.

What to Expect Upon Arrival:

• Expect to be greeted with a warm welcome and outstanding YouF!rst member service!
• First Capital staff will wear masks and adhere to all sanitization and social distancing guidelines.
• In accordance with the PA Department of Health - All Members are encouraged to wear masks, unless they have a health or medical issue.
• Entry control will be in effect for members to ensure social distancing, security, and sanitization.
• Prior to entering the building you may be asked to provide valid identification.

Additional Health & Safety Measures:

• For staff and member protection, all First Capital branches have installed plexi-glass shields at the teller line and offices.
• All branches have disinfecting spray and sanitization products available at all times. The branches and drive-thru will be cleaned continuously.

Lobbies will be opened with reduced member capacity as follows:

• West – 10 at one time: 7 Members for Teller Services. 3 Members for Platform Services (scheduled appointments preferred).
• East – 5 at one time: 3 Members for Teller Services. 2 Members for Platform Services (scheduled appointments preferred).
• South – 5 at one time: 3 Members for Teller Services. 2 Members for Platform Services (scheduled appointments preferred).

Drive-Thru will operate at normal hours of operation
Lobby hours will operate at normal hours of operation 

Special Lobby Hours: Wednesdays from 8:30 - 9:30 a.m. are reserved for members 60+ and those with special needs.

We are here for you!

We understand that many people are experiencing financial difficulties during this time. We are here to help, and here to listen. Please call our offices to speak with a Member Service Team Member at 717.767.5551 or 800.893.2328 or visit our COVID-19 update page at firstcapitalfcu.com.

Thank you for your membership and stay safe!

-May 29, 2020

First Capital is Open for In-Branch Appointments!

As you know, Governor Wolf has announced that York County will be moving into the Yellow Phase of Pennsylvania’s reopening plan on May 22, 2020.  Starting Tuesday, May 26, 2020 in addition to our drive-thrus, First Capital Federal Credit Union branches, along with Business Services, will be open for in-person service* by appointment only. Please contact us during regular business hours at 717.767.5551 or 800.893.2328 and select option 5 to speak with one of our team members. Just ask to schedule an in-person appointment and let them know which branch you would like to visit.

Our Drive-Thrus remain open 

Monday – Wednesday: 7:30 a.m. – 5:30 p.m.
Thursday: 7:00 a.m. – 6:00 p.m.
Friday: 7:00 a.m. – 6:30 p.m.
Saturday: 9:00 a.m. – 12:00 p.m.

Electronic & Other Services to make transactions and account access easier:

• Check your accounts electronically with online banking
• Pay your bills electronically by using our online bill pay
• Check your transactions with our mobile banking app and deposit checks using our Mobile Check Deposit
• Utilize our ATMs to withdraw money or deposit checks.  For a list of surcharge free ATMs, please visit: https://www.firstcapitalfcu.com/services-tools/electronic-services/surcharge-free-atms.html
• Night Drop Depositories are available at all locations
• Loan applications can be submitted online at www.firstcapitalfcu.com or through our Contact Center – once submitted, one of our dedicated Member Service Team members will contact you
• All-The-Time Teller (Telephone banking) is available for your use, just call 717.764.4852 or 800.858.0544 to get started
• Senior members or those needing personalized service can request an appointment by calling us at 717.767.5551 or 800.893.2328

*For the safety of our staff and our members, First Capital is following social distancing guidelines and will require you to wear a mask while inside our branches. Please check back here for more information on when our lobbies will reopen. Thank you for your patience and understanding during this difficult time. Thank you for being part of the First Capital family.

-May 21, 2020

First Capital is Once Again Accepting
SBA Paycheck Protection Program Loan Applications!

First Capital is once again accepting SBA Paycheck Protection Program loan applications to help out our business members. To be eligible to apply, you must have an existing First Capital business membership as of February 15, 2020.  

• Click here for a checklist of the documents required to apply for this loan
• Click here for a guide on how to use the system and upload folders
• Click here for the Paycheck Protection Program application

A member of our Business Services Team will be in contact with you regarding your application as soon as possible.

-April 30, 2020

SBA Resumes Accepting Paycheck
Protection Program Loan Applications!

The Small Business Administration (SBA) resumes accepting Paycheck Protection Program (PPP) loan applications today after President Donald Trump signed legislationFriday authorizing an additional $310 billion for the PPP. First Capital staff is working diligently to submit the applications we have on file since the first round of funding was depleted. If you are an existing business member of First Capital as of 2/15/2020 seeking to apply for the PPP loan, please contact one of our Business Services team members for assistance at 717-767-5551.

-April 27, 2020

SBA Halts Paycheck Protection Program!

Less than two weeks after launching the Paycheck Protection Program, the Small Business Administration (SBA) has depleted its funds. Therefore, First Capital is unable to accept new applications at this time.  We will continue to monitor the situation should more money become available.  Please visit the SBA website to learn more about other relief options available.

-April 16, 2020

Tips to Ensure You Receive Your Coronavirus Rebate!

Recently, the federal government passed an economic relief plan in response to COVID-19. The plan includes payments that will be distributed to eligible individuals. Your payment will be sent to you either through direct deposit or as a physical check. 

If you receive your tax refund in the form of direct deposit, you will be receiving your payment from the government the same way. This means that your payment will be deposited directly into the same account reflected on your most recent tax return (filed since January 2018).

Please double check the information you have provided to the Internal Revenue Service to prevent any processing delays.

Members with Checking Accounts:

• You can find your account number and routing number on your check.  Click here for an example.
• Or, refer to the box at the top of the Accounts page in Online Banking

Members with Savings Accounts:

• You will use your routing number and your member number
• Refer to the box at the top of the Accounts page in Online Banking

If you do not use direct deposit and receive your economic impact payment as a physical check, you can deposit it using our mobile app or drive-thru.

And, if you don't normally file taxes, the Internal Revenue Service has just unveiled a new website where people can enter bank account information so they can receive Coronavirus payments.  Click here to enter your payment information: 

Please contact us at 717-767-5551 or 800-893-2328 if you need additional information.

-April 11, 2020

SBA Paycheck Protection Program Loan Applications Now Accepted!

If the COVID-19 crisis has left your business in distress, help is on the way.  First Capital is now accepting SBA Paycheck Protection Program loan applications to help out our business members.  To be eligible to apply, you must have an existing First Capital business membership as of February 15, 2020.  

• Click here for a checklist of the documents required to apply for this loan
• Click here for a guide on how to use the system and upload folders

A member of our Business Services Team will be in contact with you regarding your application as soon as possible.

-April 7, 2020

Federal Small Business Relief Program Information

We understand the significant impact that the Coronavirus (COVID-19) pandemic is having on small businesses. The newly enacted federal Coronavirus Aid, Relief, and Economic Security (CARES) Act provides a variety of emergency relief programs for businesses.  

         Paycheck Protection Program (PPP)

• The "Paycheck Protection Program" is administered by the SBA to provide small business loans through financial institutions to borrowers impacted by the current state of economic uncertainty. It provides $349 billion in loans for small businesses, to primarily help cover short-term operating expenses and retain their employees. More information can be found here.
  
  Economic Injury Disaster Loans (EIDL)

• SBA’s Economic Injury Disaster Loans (EIDL) offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue as a result of COVID-19. These loans may be used to pay debts, payroll, accounts payable and other expenses that cannot be paid because of the disaster’s impact. More information can be found here.

We stand ready to help with guidance related to a Paycheck Protection Loan or an Economic Injury Disaster Loan.  Please email [email protected] or call us at 717-767-5551, select option #5 and ask to speak to a Business Services Officer.

As we navigate these uncertain times together, the safety and well-being of our members, employees, and community remains our top priority.

-April 3, 2020 

We're Here For You!

First Capital Federal Credit Union understands the hardships you may be facing, and we want you to know you are not alone. We have several financial options to help you through this difficult time.  

Personal Account Options:

• Overdraft Privilege: for more information on this service, please click here
• Loan Skip-a-Pay: First Capital will accept Skip-a-Pay requests for members with qualifying loans and waive the $35 fee for up to two months. To apply, call 717.767.5551 and select option #5 (during business hours) to speak to a Member Service Officer.
• Credit Card Skip-a-Pay: this option will appear on your next credit card statement
• Student Loan 3-Month COVID-19 Forbearance Process: contact a Student Choice Representative at 800.723.2210 to discuss your forbearance options.
• 1st Mortgage COVID-19 Emergency Forbearance: please call 800.808.2662 ext. 52457 to speak with our Mortgage Forbearance Specialist
• Home Equity Line of Credit (HELOC): if you have a HELOC, you can transfer funds from your HELOC right into your checking account. Just give us a call at 717-767-5551 and speak to a Member Service Representative.
• First Line of Credit (FLOC): if you have a FLOC, remember you can transfer funds directly from your FLOC rigt into your checking account through online banking.
• Emergency Assistance Personal Loan:
  • Borrow up to $2,500
  • As low as 4.99% APR*
  • Up to 24-month term 
  • To Apply: Click here and select Personal Loan or you may visit our website or call us at 717.767.5551, select Option #5 and ask to speak to a Member Service Officer.

Business Account Options:

• Overdraft Privilege: for more information on this service, please click here
• Interest-Only Payment Loans: for impacted business loans
• Other options are available
  Please email [email protected] or call us at 717.767.5551, select option #5 and ask to speak to a Business Services Officer with questions concerning your account.
  
  If you are a small business owner with questions regarding COVID-19 small business assistance, here are two great resources to check out: PreparedYork.com and SBA.gov

If you need any financial help during this time, please don't hesitate to reach out. We will work with you. Thank you for your membership. We can get through this together!

*APR=Annual Percentage Rate. 4.99% for up to 24 months.  All loans subject to credit approval. Rates, terms, and conditions are subject to change at any time and may vary based on credit worthiness, qualification, and collateral conditions.  Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Estimated monthly payment of $43.88 per $1,000.00 borrowed @ 4.99% APR for 24 months. Minimum credit score of 640.  Maximum loan amount of $2500, with a maximum term of 24 months. Cannot be combined with any other offer other than the Star Rewards 3-Star discount.  Effective Now - April 30, 2020.

-April 1, 2020

Your Money is Safe & Sound!

Per Governor Wolf’s mandate last night, financial institutions ARE deemed life-sustaining businesses, therefore our drive-thrus remain OPEN during regular business hours. Rest assured, we are practicing social distancing, wearing gloves, and sanitizing our branches, which includes our drive-thru equipment. However, we also highly encourage the use of our electronic services to conduct business.

Despite the ever changing landscape, please know that your money is SAFE AND SOUND!  All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to $250,000 per individual. Plus, First Capital takes it one step further by providing you with Excess Share Insurance (ESI), for FREE, which gives you an additional $250,000 in deposit insurance for a total of $500,000!  First Capital is one of only 12 institutions in the state that offer this coverage.  Additional information is available at MyCreditUnion.gov or www.excessshare.com.

If you have any questions, please don’t hesitate to reach out to us by calling 717.767.5551 or 800.893.2328.  We are here to help!  And remember, we are all in this together!

 

-March 20, 2020

First Capital's Drive-Thrus Remain Open!

In accordance with Governor Wolf's mandate, First Capital's drive-thrus will remain open during normal business hours.  First Capital is considered a life sustaining business.  Please note: we are taking all precautions to ensure the safety of our staff and members.  We are practicing social distancing, using gloves, and sanitizing our branches. Thank you for your membership and stay safe!!   

 

-March 19, 2020

Drive-Thru Only Hours go into effect on March 18, 2020 at Noon!

Due to the rapidly changing conditions surrounding the Coronavirus (COVID-19) outbreak, First Capital has made the decision to move to drive-thru only service effective Wednesday, March 18, 2020 at Noon. This decision will protect both you and our staff by creating social distancing as recommended by the state and federal government. All First Capital drive-thrus will be open during the following times:

 

Monday – Wednesday: 7:30 a.m. – 5:30 p.m.
Thursday: 7:00 a.m. – 6:00 p.m.
Friday: 7:00 a.m. – 6:30 p.m.
Saturday: 9:00 a.m. – 12:00 p.m.

We are here for our members:

Your safety and well-being are our top priority.  That includes your financial well-being.  First Capital recommends these options to help make transactions and accessing your accounts easier:

• Check your accounts electronically with online banking
• Pay your bills electronically by using our online bill pay
• Check your transactions with our mobile banking app and deposit checks using our Mobile Check Deposit
• Utilize our ATMs to take out money or deposit checks.  For a list of surcharge free ATMs, please visit: https://www.firstcapitalfcu.com/services-tools/electronic-services/surcharge-free-atms.html
• Night Drop Depositories are available at all locations
• Loan applications can be submitted online at www.firstcapitalfcu.com or through our Contact Center – once submitted, one of our dedicated Member Service Team members will contact you
• All-The-Time Teller (Telephone banking) is available for your use, just call 717.764.4852 or 800.858.0544 to get started
• Senior members or those needing personalized service can request an appointment by calling us at 717.767.5551 or 800.893.2328

If you are experiencing a financial hardship due to the COVID-19 outbreak, please know that First Capital has options to assist you like our skip-a-pay program and overdraft protection.  Please call our offices at 717.767.5551 or 800.893.2328 to speak with a Member Service Team Member.  Our Contact Center is fully staffed and can help you with any questions you may have.  Please rest assured our credit union is safe and sound and your money is well protected.

Thank you for your membership and stay safe!

-March 18, 2020

What is First Capital doing about the Coronavirus (COVID-19) outbreak?

We would like to let all members know First Capital is closely monitoring the current situation regarding the COVID-19. And, our team is focused on the health and safety of our employees and members. We want to assure you that First Capital is following the Centers for Disease Control (CDC) guidelines (see below) to respond to the potential public health threat posed by the virus appropriately.

These include:

• Avoiding close contact with people who are sick.
• Avoiding touching your eyes, nose, and mouth.
• Staying home when you are sick.
• Washing your hands often. This is especially important after using an ATM.

For more information and the full list of recommendations, please see the CDC guidelines.

We are here for you!

At this time, we are keeping regular business hours. As a precaution, we are encouraging employees to increase sanitizing efforts in high-touch areas inside our branches.

If possible, we recommend that you use Online, Mobile, and Telephone Banking as your primary channels to conduct business. You can access your account from home 24/7 using Online or Mobile Banking to view transactions, check balances, deposit a check, make payments, and more.  Additionally, if you are concerned about coming into the branch, we recommend you utilize our drive-thru or night depository.

If you've been impacted by COVID-19 and experiencing financial challenges, please know that First Capital has options to assist you like our skip-a-pay program and overdraft protection.

Our website or Facebook page is the best place to find the most up to date information related to First Capital actions in the coming weeks and months, including any changes or service interruptions that affect members.