FIRST For Loans. FIRST For You.
FIRST for loans.FIRST for you.1. United Way Day of ActionOn Friday, June 16, 2017, First CapitalFederal Credit Union staff took partin the United Way Day of Actionby helping sort books for the BookNook Bonanza.2. Book Nook BonanzaFirst Capital FCU staff volunteeredto help out June 23-25, 2017 at theYork Hospital Auxiliary’s Book NookBonanza 2017.3. Best of York BashFirst Capital was voted BestCredit Union in York by readers ofSusquehanna Style magazine. OnJuly 29, 2017, First CapitalFCU celebrated with otherbusinesses that werenamed “The Best.”4. WellSpan Employee PicnicOn August 5, 2017, First Capitalstaff took part in the WellSpanEmployee Picnic. At our table,employees and their families couldparticipate in a fun game and findout more about the Credit Union.5. WellSpan Golf TournamentOn August 21, 2017, First Capitalparticipated in the WellSpan GolfTournament at the Out DoorCountry Club.6. Harvey DonationsIn September, First Capital staffcollected non-perishable itemsand toiletries for those affected byHurricane Harvey. The items weredelivered to Bailey Coach whichsent 10 tractor trailers of donationsto victims.In November and December wecollect non-perishable food for theYork County Food Bank; toys forToys for Tots; and hats and mittensfor local children’s charities.Please join us in supporting thesecharitable organizations.
holidaySKIP-A-PAYIncrease your giftingbudget this holiday!Ages 13 and youngerPresent this coupon and 35 per loan toskip a payment on any First Capital FCULoan or Line-of-Credit.The older oneswill enjoy a freet-shirt at accountopening thenbeing automaticallyrewarded with 5.00upon reaching 500points. To find outmore about ouramazing new youthprograms, visitus online at www.FirstCapitalFCU.com.It is mutually agreed that in considerationof a 35 fee per loan, the (check one)November 2017December 2017January 2018payment will be deferred for:NAMEMEMBER NO.Ages 14-18LOAN NO.SKIP DATEVisit firstcapitalfcu.com/personal/checking to find theKasasa account that is right for you.Are you a Free Checking Customer? What ifyour free checking actually offered you higherinterest? Or music instead of money? Or gaveyou money to help you save? Kasasa offers that.Deck the halls, trim thetree, buy a special holidayYes, we know we’re making bold statements.gift, consolidateBut let us share with credityou our three check andsavings accounts.card debt and more with aAll these accounts are absolutely FREE and helpyour money whereyour passion is withFirstCapitalCreditNO MINIMUM BALANCE you put Federalthe following great benefits:NATIONWIDE ATMUnion Holiday Loan. It’s theFEE REFUNDS Kasasa CashNO MONTHLY FEESyou higherloan you Payscanusedividends.for just Kasasa Cash Back3% cashback on debit card purchases.aboutanything.*Due to limited space we are unable to explain all of the details associated with ourKasasa qual ification and rewards. We wantyou to be fully informed about our Kasasaofferings so please come into one of ourbranches and visit with a member serviceMakes saving easy by sweeping your dividends intorepresentativeto understandadditional in- Rate. All loans*APR AnnualPercentagesubjectaccount.to credit approval.terms, anda savings(OfferedRates,exclusivelywith Kasasaformation, details, restrictions, processingconditions are subject to change at anytimeandandCashmay varyon creditworthiness,CashBackbasedaccounts– theywork together).and calculation limitations and enrollmentqualification,and conditions,collateral conditions. Estimated monthly payment of 86.07 per 1,000.00instructions.Account approval,borrowed@ 5.99%enrollAPR for 12 months. Minimum loan amount is 500.00, maximumqualifications,limits, timeframes,moneytoanybe otherusedofferat iTunes andments, calculationmethodologies,log-ons Cannot beEarnloan amountis 5,000.00.combinedwithother thantheAmazon 3-starand other requirements apply.every month. Kasasa Saver Kasasa Tunesdiscount. Effective October 1 – December 31, 2017.and will be deferred and extended to the endof the original loan agreement(s).BORROWER’S SIGNATUREDATECO-BORROWER’S SIGNATUREDATEGet extra cash! Stop by any branch withthis form and 35 to Skip a Payment!CU USE ONLY. FEE(S)COLLECTED FROM ACCOUNT:MSR*Certain restrictions may apply. Not available for VISA Credit Cards, Home Equity Lines ofCredit or first payments. All loans must be paid current through November. By skipping anyloan payment(s) you extend your final loan payment by one month. Interest will continue toaccrue on your loan(s). Contact us for specific details concerning your loans. 35 fee is PERLOAN. Limit one skip pay, per loan, per year.
Join us for our freeeducational seminars!SEMINAR SERIESThe holiday season can be very busy and very expensive. Thereare presents to buy, social events to attend, food to purchase, andcontributions to various charitable organizations. With a littleplanning and a little bit of will power, it is possible to enjoy thebeauty of the holiday season without being stressed and in debt.Before heading out on a holiday shopping spree, create a budget,make a list and stick to it. Doing this will help you spend much lessand keep you, and your budget, on track. First Capital FederalCredit Union offers a holiday savings account to help you savemoney throughout the year so that you are better prepared. Also,don’t forget to check out our website for the upcoming seminarswe have scheduled. The budgeting seminar is very informativeand the very popular couponing seminar may be just what youneed to help you get through the season.Don’t forget to stop in and see us on October 19th for InternationalCredit Union Day. First Capital will be having a fun-filled day offood and various tables displaying all of the great benefits that weoffer our members. If you’re in the neighborhood that day, pop into any of our branches and say hello.I am also very appreciative and thankful for the amazing team thatworks for First Capital. Each and every day our employees workhard to improve the financial lives of our members. Whether it’sa new house, a new budget, or a child’s first savings account, wecelebrate when our members achieve their financial goals anddreams. I am also appreciative and thankful for two long-timeemployees who are retiring at the end of this year. Thank you toDiana Brown, our Call Center Supervisor who has been with thecredit union for 30 years and Judy Chisholm, from our Accountingteam who just celebrated 20 years. Good luck and best wishes toboth of you on your retirement!Have a wonderful holiday season and thank you for being amember of First Capital Federal Credit Union!Sue DeStephano President/CEOUnderstanding Your CreditOctober 11, 2017; 6:00 - 7:00 p.m.Learn the importance of saving, budgeting, and moneymanagement along with what makes up your credit scoreand just how valuable that three-digit number really is.Lisa Barshinger, First Capital FCUProtecting Your Online IdentityOctober 25, 2017; 6:00 – 7:00 p.m.Learn how to protect your business from competitor’sbrand attacks, internet trolls and negative reviews; preventand stop the unapproved use of your business’ name andintellectual property; control the access points to yourcompany’s online image; and respond to data breachesand misappropriation of intellectual property.Alan C. Green, Attorney at CGA Law FirmCouponing 101November 8, 2017; 6:00 – 7:30 p.m.Looking for ways to save money at the grocery store? Wantto cut your bill in half? At this seminar, we’ll tell you how todo just that! Plus, we’ll tell you about the coupon policies at4 major retailers and show you how to stay organized.Lisa Barshinger, Coupon QueenBudgeting (off-site)November 16, 2017; 6:00 – 7:00 p.m.Learn how to budget your money so that you have moneyfor the things you need and want.Lisa Barshinger, First Capital FCUUnless otherwise noted, seminars are held at:First Capital’s West York Office1601 Kenneth RoadYork, PA 17408For more informationCall: 717.767.5551 ext. 1125Email: LisaB@FirstCapitalFCU.comVisit: any of our locationsFacebook: tinyurl.com/firstcapWeb: FirstCapitalFCU.comTo register for anyseminar please visit:www.FirstCapitalFCU.Eventbrite.com
Program ChangesDon’t forget, Deep Sea Savers cannow cash in their coins for prizes evensooner! Pick up an updated prize chartat any branch.or5 COINSbouncy ball10 COINScoloring mug15 COINSstuffedmanatee15 COINS 10 depositinto accountOn Friday, July 21, 2017, First Capital FederalCredit Union treated those in its youth programto a free York Revolution baseball game.Nearly 100 people joined us for the game.ColoringContestWinnerCongratulations goes outto Carolina R. for winningour July coloring contest.Carolina won two ticketsto Frank’s Theatres.MOBILE APP UPGRADEConsider it an early holiday gift – our Mobile App is getting anupgrade! Here’s a sneak peek at three features you can expect tofind with the release of version 3.0 later this year: Searchable transaction history. If you think scrolling throughtransaction history is fun, then by all means. But if you want tofind a transaction quickly, search by text or amount and let usfind it for you. Touch ID/Fingerprint Reader. Say goodbye to forgottenpasswords. With fingerprint reading technology enabled on yourphone, all you need to remember is which finger you’ve set up.WEST YORK BRANCH16O1 KENNETH RD., YORK, PA Quick View. Prefer not to log in at all? With Quick Viewenabled, you can view account balances and recenttransactions without logging in. But, you’ll still be asked tosign in to conduct transactions.BLOOD MOBILE9:OO A.M. – 5:OO P.M.Want to be one of the first to have our new app? Check the PlayStore or App Store settings to enable automatic updates. Andremember, we’re here to answer any questions you have. Just ask!YOURPURCHASINGFOOD TRUCKS FORCONVENIENCE!NEW WEBSITE1O:3O A.M. – 2:OO P.M.VENDORS9:OO A.M. – 5:OO P.M.FREE SHREDDING7:3O – 9:3O A.M.DOOR PRIZES &GIVEAWAYSOur East andSouth YorkBranches willalso have food,giveaways,and fun for all!In an effort to maintain our commitment to quality, we have madesome changes to our website to enhance our members’ onlineexperience, including: F ully responsive design that offers users a seamless experienceacross all devices; including mobile, tablet, and desktop ADA compliant design Same great resources and information with fresh features Plus, other enhanced tools and capabilitiesWe are in the business of putting YOU first! So, with that in mind, wehave redesigned our website to make your experience even better!
Break loose from the limitations andstress of financing through a dealership! Start your car buyingprocess with us. We’ll pre-approve you for the amount of your loanand then you can shop with confidence knowing that you have a checkto buy your vehicle at a low rate without any surprises.0% INTERESTFOR 9 MONTHSON CREDIT CARDPURCHASESAND BALANCETRANSFERSVISA Platinum· NO Annual Fee· NO Balance Transfer FeeVISA Signature Rewards NO Annual Fee NO Balance Transfer Fee E arn Points for everydollar spent*APR Annual Percentage Rate. All loans subject to credit approval. Rates terms and conditions aresubject to change at any time and may vary based on credit worthiness, qualifications, and collateralconditions. Estimated monthly payment of 17.63 of 1,000.00 borrowed at 2.22% for 60 months.640 credit score and above. Financing up to 120% of value. Cannot be combined with any other offerother than the 3-star discount. Effective October 1-December 31, 2017.VISA Business· NO Annual Fee· NO Balance Transfer Fee717.767.5551800.893.2328FirstCapitalFCU.comThis holiday season, open a credit card with us and enjoyO.OO% interest for the first 9 months your account isopen. This is a great time to transfer balances, pay downdebt and get ahead!*APR Annual Percentage Rate. 0.00% Promotional Rate for 9 months on balance transfers and purchases. No annual fee. No balance transfer fee. The standard variable APR for purchases is 8.99% - 18.00%, based on your creditworthiness and card type. CashAdvance APR: 8.99% - 18.00% based on your credit worthiness, qualifications and card type. All APRs in effect as of 10/1/2017. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases andnew balance transfers. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless your purchases have a 0% APR, or you pay the entire balance (including any Transferred balances) in full each month. 640credit score and above. Cash Advance Fee: greater of 2% or 10.00. Minimum finance charge 0.50. Subject to credit approval. Visa is a registered trademark of Visa International Service Association and used under license. Offer is not valid to pay off existingFirst Capital loans. Balance transfer rate and purchase promotion applies to new cardholders only. For new credit card accounts opened between October 1 - December 31, 2017, to receive the promotional purchase and balance transfer rate, all transactionsmust be posted within 9 months of new credit card opening. Other conditions may apply. Promotion subject to change or may be withdrawn at any time.
Diana Brown31 YEARS - DECEMBERDeVono’s Dry Cleaners, Inc.is a family business that hasbeen in York County for 65years. Check out our websitefor a complete list of servicesincluding free pickup anddelivery. “It’s a decision you’llbe glad you made!”devonosdrycleaners.comHOLIDAY CLOSINGSCOLUMBUS DAYMonday, October 9THANKSGIVINGThursday, November 23BLACK FRIDAYFriday, November 24CHRISTMAS DAYMonday, December 25NEW YEAR’S DAYMonday, January 1, 2018Best Wishes toDiana and Judy ontheir retirement.As a certified John Maxwell TeamMember, OAK Leadership offersindividual and business coaching,workshops, speaking and consulting;aiding personal and professionalgrowth through the study andpractical application of Maxwell‘sproven leadership principles. Workingtogether, OAK Leadership will moveindividuals, teams, and organizationsin the desired direction to reach theirgoals. We challenge business leadersto commit to taking daily steps towardsgreater leadership growth. As a result,companies experience higher employeeperformance levels, improved teammorale, increased team synergy, higherproduct quality, lower attrition rates andincreased profits.oakleadership.comJudy Chisholm2O YEARS - NOVEMBERSal Castro . State Farm AgentDeVono’s Dry CleanersShadowfaxBowser DentistryMinuteman PressKeystone State Family ChiropracticHands of HealingTherapeutic MassageHoffmeyer and Semmelman, LLPYork Abstracting CompanyRed Brick BakeryAMA Fleet Enterprises, Inc.Join us atFirstCapitalFCU.com
by helping sort books for the Book Nook Bonanza. 2. Book Nook Bonanza First Capital FCU staff volunteered to help out June 23-25, 2017 at the York Hospital Auxiliary's Book Nook Bonanza 2017. 3. Best of York Bash First Capital was voted Best Credit Union in York by readers of Susquehanna Style magazine. On July 29, 2017, First Capital
International Student Loans Private loans offered to non-U.S. citizens who generally won't qualify for federal student loans. State and nonprofit loans Usually offered by state or a nonprofit organization, usually to promote college access. Credit union loans Institutional loans Medical school loans Bar exam loans
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Loans made or insured under the Public Health Service Act - Loans for Disadvantaged Students (LDS), Primary Care Loans (PCL), Nursing Student Loans (NSL), Health Professions Student Loans (HPSL), Health Education Assistance Loans (HEAL) - 2 - MD # 251-02 . Revision # 00 . V.
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The proportion of loans made for 2,500 or more has grown from 16% of all installment loans in 2018 to 21% of all installment loans in 2019. About 12% of online installment loans in 2019 were for less than 500, compared to 16% in 2018. The average number of loans per borrower was static from 2018 to 2019—staying at 1.6 loans per borrower in .
