Credit union · NCUA insured
First Capital Federal Credit Union Credit Card Rates
Top CarrotFirst Capital Federal Credit Union credit cards start at 13.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Capital Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near York, PA, where First Capital Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Capital Federal Credit Union
13.74%APR
- Up to
- 18.00% APR
VISA Signature Rewards
Lowest rate
New Cumberland Federal Credit Union
6.90%APR
- Up to
- —
2nd-lowest rate
AmeriChoice Federal Credit Union
8.90%APR
- Up to
- —
First Capital Federal Credit Union credit card score
65
Credit card score
Higher than 13% of U.S. banks and credit unions
- Purchase APRPurchase APR13.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Capital Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Secured
Secured by funds established in a First Capital share account or share certificate. Choose a credit limit between $500 and $1,500. No annual or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.74% | None | Secured by funds established in a First Capital share account or share certificate. Credit limit of $500 to $1,500. |
VISA Signature Rewards
No annual or balance transfer fee. Standard variable APR for Purchase, Balance Transfer & Cash Advance: 14.24% - 18.00% based on credit worthiness in effect as of 01/01/2026; rates table reflects 13.74% to 18.00%. Earn points for every dollar spent. 10x rewards points promo on gas and groceries through December 31, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–18.00% | None | Rates table rate. Annual Percentage Rate varies with WSJ Prime. Subject to credit approval. |
Visa Platinum
No annual or balance transfer fee. Introductory rates on Purchases and Balance Transfers as low as 2.99% APR. Standard variable APR based on the Prime Rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 2.99% | None | Introductory rate on purchases. Based on creditworthiness. |
| Ongoing | 11.74%–18.00% | None | Standard variable rate after introductory period. Based on creditworthiness. Variable APR varies with the market based on the Prime Rate. |
Who can join First Capital Federal Credit Union
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.
Membership information collected October 5, 2026.