Credit union · NCUA insured
First Capital Federal Credit Union
Top CarrotA $370.7M credit union headquartered in York, PA, with 21,316 members and 6 branches in Pennsylvania. Best rates: CDs 3.75% and savings 0.85% APY.
First Capital Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#3 of 19 in York, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Capital Federal Credit Union
Established in 1954 as the S. Morgan Smith Credit Union and converting to a federal charter in 1993, First Capital Federal Credit Union is a member-owned financial institution.
Headquartered at 1601 Kenneth Road since 2004, the credit union operates multiple branch locations across York County, Pennsylvania.
- Headquarters
- 1601 Kenneth Rd, York, PA 17408-2228
- NCUA charter
- 24490
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of an affiliated Preferred Business Partner qualify for membership.
- Volunteers associated with a First Capital Preferred Business Partner qualify for membership.
Family and household
- Immediate family members (related by blood, marriage, or other recognized family relationship) of an employee of an affiliated Preferred Business Partner qualify for membership.
- Roommates and individuals sharing another member's household qualify for membership.
Other ways
- Members of the FirstCap Gives Back Foundation qualify for membership.
Cost to join
- A one-time membership fee of $1 is required when applying in person.
- A minimum deposit of $5 into a Regular Share Savings account is required to establish membership.
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
- Main OfficeMain office1601 Kenneth Rd, York, PA 17408Directions
- Eagles Nest4500 Intermediate Ave, Dover, PA 17315Directions
- Manchester Branch4157 N George Street Ext, Manchester, PA 17345Directions
- Bulldog Branch1800 Bannister St, York, PA 17404Directions
- East York-Eastern Blvd2801 Eastern Blvd, York, PA 17402Directions
- South York2602 Course Rd, York, PA 17402Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.95% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.07% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio11.95%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Capital Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.