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2. personal finance
3. lending
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First Capital Federal Credit Union
4th Quarter 2014
All-the-Time Teller
717.764.4852
800.858.0544
EARN $10 AND
A CHANCE AT
A 60" HDTV!
Online/Mobile Banking
FirstCapitalFCU.com
Just refer First Capital FCU
to your co-worker, friend or
family member. You, as well
as the newly referred member who
ACTIVELY uses his/her new account, will receive $10
deposited into the account after 90 days…and both of
your names will also be entered into a drawing for a 60"
HDTV which will be given away at the end of the year.
Main/West York Office
1601 Kenneth Road
PO Box 7746
York, PA 17404
phone: 717.767.5551
toll-free: 800.893.2328
fax: 717.767.6207
East York Office
161 Kent Road
York, PA 17402
phone: 717.767.5551
fax: 717.755.9537
South York Office
2602 Course Road
York, PA 17402
phone: 717.767.5551
fax: 717.747.0696
HOLIDAY
CLOSINGS
SELECT EMPLOYEE GROUP PROFILES
Columbus Day
Monday, October 13
Normandie Ridge has an enduring
legacy of being called to serve seniors.
Our supportive services, responsive
staff, engaging environment, and
strong values provide seniors with
a continuum of care promoting
worry-free living and independence.
BAILEY TRAVEL is now TRAVEL TIME
and has moved to a new location at
2474 N. George St., effective Aug. 11,
2014. Still providing the same great
service with the same people, just at
a new address. Let us assist you with
your travel needs.
normandieridge.org
trvltime.com
717.764.6262
717.854.5511
Thanksgiving
Thursday, November 27
Black Friday
Friday, November 28
Christmas
Thursday, December 25
New Year’s Day
Thursday, January 1, 2015
NEW SELECT EMPLOYEE GROUPS
J.E. Smith Services, Inc. United Weld Services, LLC
Red Lion Motors
First for loans, First for you.
FirstCapitalFCU.com
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Select First Capital
–Susie
CAPITAL
MEMBER OF FIRSTUNION
FEDERAL CREDIT
*APR=Annual Percentage Rate. All loans subject to credit approval. Rates, terms
and conditions are subject to change and may vary based on credit worthiness,
qualifications and collateral conditions. No refinanced vehicle loan will go below
2.00%. Estimated monthly payment of $21.70 per $1,000.00 borrowed at 2.00%
APR for 48 months. Estimated monthly payment of $14.98 of $1,000.00 borrowed at
2.50% APR for 72 months. 600 credit score and above. Cannot be combined with any
other offer other than the 3-star discount. Effective October 1 – December 31, 2014.
FCU in the startup
screen.
Swap your auto loan from
another financial institution
for one at First Capital FCU
and drop your rate by up to
2% APR*. Your rate could go
as low as 2.00%! You’ll lower
your monthly payments, saving money monthly and over
the life of the loan.
The sooner you apply, the
sooner you can start
saving more money - just in
time for the holidays!
holiday
SKIP-A-PAY
Increase your gifting
budget this holiday!
Present this coupon and $35 per loan to
skip-a-payment on any First Capital FCU
Loan or Line-of-Credit.
It is mutually agreed that in consideration
of a $35 fee per loan, the (check one)
November 2014
December 2014
January 2015
payment will be deferred for:
A WORD FROM THE CEO
NAME
Rumors about a new East York Branch will soon
become reality as we have cleared all hurdles
MEMBER NO.
with Springettsbury Township and should see
LOAN NO.
“shovel in the ground” by the time this newsletter reaches members. Not knowing what
SKIP DATE
weather lies ahead of us this fall, it’s hard to
and will be deferred and extended to the end
of the original loan agreement(s).
predict an exact move in date, but certainly
no later than first quarter 2015 is a safe bet.
We all look forward to the new facility and the
BORROWER’S SIGNATURE
DATE
enhanced services it will provide our membership. On another topic that is already receiving
COSIGNER’S SIGNATURE
DATE
member acclaim, Kasasa® is growing beyond
our expectations. Well over one thousand
members have already signed up for the new
Get extra cash! Stop by any branch with
this form and $35 to Skip-a-Payment!
checking accounts that reward members in
CU USE ONLY. FEE(S)
COLLECTED FROM ACCOUNT:
being. Stop by any branch to find out about
MSR
*Certain restrictions may apply. Not available for VISA Credit Cards, Home Equity Lines of
Credit or first payments. All loans must be paid current through November. By skipping any
loan payment(s) you extend your final loan payment by one month. Interest will continue to
accrue on your loan(s). Contact us for specific details concerning your loans. $35 fee is PER
LOAN. Limit one skip pay, per loan, per year.
unique ways to improve their financial wellthis exciting new product that is only available
through First Capital. “Do you Kasasa?”
-Dennis Flickinger, President & CEO
Now you can Kasasa with the
best of them! First Capital is
now offering: Kasasa Cash®,
Kasasa Cash Back®, Kasasa
Tunes® and Kasasa Saver®
accounts—free accounts that
reward you for things you’d do
anyway, like pay with your debit
card rather than write a check.
on debit card purchase; or
iTunes® and Amazon® rewards.
Kasasa® is a new brand of free
checking and savings accounts.
Get paid for using your account
with high dividends; cash back
If you are interested in opening a Kasasa® account, please
speak to a Member Service
Officer.
Community Bulletin Board
Facebook:
tinyurl.com/firstcap
Twitter:
twitter.com/FirstCapitalFCU
YouTube:
youtube.com/FirstCapitalFCU
1. Book Nook Bonanza
First Capital FCU staff
volunteered to help out
June 20-22, 2014 at the York
Hospital Auxiliary’s Book Nook
Bonanza 2014.
2. United Way Day of Action
On June 30, 2014, staff
stained buildings at the Girl
Scouts’ Camp Echo Trail in
Felton as part of the United
Way Day of Action.
TRPOINTS
TRIPLE
IIPPLE
November 1, 2014 —
December 31, 2014
EARN TRIPLE POINTS ON ALL PURCHASES
o
s
l
a
2
1
signature
card users get
November 28
December 1
A FREE FLEECE*
for approved applicants!
*Quantities are limited.
3
Relax…
4
3. Recess at Work Day
June 19, 2014, First Capital staff
celebrated Recess at Work Day.
They hula hooped, jumped rope,
and wrote with sidewalk chalk…and
just had fun!
4. Patriot Par 3 Challenge
On August 12, 2014, First
Capital staff and board members
participated in the Patriot Par 3
Challenge to support Keystone
Wounded Warriors.
5
5. CoWork155 Couponing Session
On August 14, 2014, Lisa
Barshinger led the CoWork155
lunchtime session on couponing.
HOLIDAY LOANS
Make it
easy!
APR†
8.99%
up to 12 months
$500 to $5,000
†APR=Annual
Percentage Rate. All loans subject to credit approval. Rates, terms and conditions are subject
to change and may vary based on credit worthiness, qualifications and collateral conditions. Estimated
monthly payment of $87.44 per $1,000 borrowed at 8.99% APR for 12 months. Minimum loan amount is
$500, maximum amount is $5,000. Cannot be combined with any other offer other than the 3-star discount.
Effective October 1 – December 31, 2014.
DOOR
PRIZES!
Noon—1:00 p.m.
Join us for one of our free
educational seminars.
Budgeting
EXPERIENCE
OUR NEW YOUTH & YOUNG
ADULT PROGRAMS
It’s never too early to learn the
importance of saving. And, our youth
and young adult programs can help!
Participate in monthly activities and
make deposits to earn Sand Dollar
and Star Status Stamps which can be
redeemed for great prizes!
OCTOBER
· Deep Sea Savers: Color a picture of a
pumpkin and bring it in to show us.
· Rock Star Super Savers: Take a picture
of your carved pumpkin and bring it in
to show us.
NOVEMBER
· Deep Sea Savers & Rock Star Super
Savers: Bring in a canned good to
donate to the York County Food Bank.
October 8, 2014, 6:00 – 7:00 p.m.
Lisa Barshinger, First Capital FCU
How to Apply for a
Business Loan, Successfully!
October 22, 2014, 6:00 – 7:00 p.m.
Wendy Bixler, First Capital FCU
Couponing 101
November 12, 2014 – 6:00 – 7:30 p.m.
Lisa Barshinger, Coupon Queen
Budgeting
November 20, 2014, 6:00 – 7:00 p.m.
Lisa Barshinger & Amber Zorbaugh,
First Capital FCU
Holiday Inn Express & Suites
140 Leader Heights Road
York, PA 17403
Registration closes TWO WEEKS prior
to this off-site seminar!
Unless otherwise noted,
seminars are held at:
First Capital’s West York Office
1601 Kenneth Road
York, PA 17408
Registration closes one week
prior to each scheduled
seminar. Seminars are subject
to cancellation if registered
attendance is low. To register
for a seminar:
CALL 717.767.5551 ext. 1125
EMAIL lisab@firstcapitalfcu.com
VISIT any of our locations
FACEBOOK tinyurl.com/
firstcapfacebook
In addition to special monthly activities,
members can take advantage of
our Add-On Youth Share Certificate,
College Club, and other exciting offers.
Talk to a Member Service Officer today
to see how you can benefit from these
programs.
YOU CAN SOON PURCHASE
OUR 60TH ANNIVERSARY
COOKBOOK, “CULINARY
CREATIONS” AT FIRST CAPITAL!
The First Capital Federal Credit Union 60th Anniversary cookbooks
will soon be on sale in our branches! Your purchase of a cookbook for
$8.00 will help support Leg Up Farm, a non-profit therapy center in
York County, for children with disabilities and developmental delays.
To purchase a cookbook, please visit any branch to complete the
transaction. Members may elect to have the money transferred from
one of their accounts otherwise cash, or checks made out to: First
Capital Federal Credit Union will be accepted. If you would like to
mail in a check, please email marketing@firstcapitalfcu.com for more
information on where to send it and what will be needed to do so.
LET’S GET COOKING!
6O
of proceeds go to the York County
Food Bank
Vendors on site 8:30 a.m. – 5:30
p.m. Liberty Mutual, Enterprise
Car Sales, Sprint.
BENEFIT DAY
OCTOBER 16, 2014
WEST YORK BRANCH
1601 Kenneth Road
York, PA 17408
8:00 a.m.—5:00 p.m.
FREE CREDIT
CHECK!
At all branches. Please email
wendys@firstcapitalfcu.com to reserve
your timeslot.
All proceeds from the sale
of the cookbook will benefit
Leg Up Farm.
FirstCapitalFCU.com
Business Services... the differences between
us and them!
banks
First Capital FCU
BUSINESS
· Rock Star Super Savers: Bring in cold
weather gear to place on our Hat &
Mitten Tree. All items will be donated
to the Children’s Home of York and
Family-Child Resources.
11:00 a.m.—2:00 p.m. A portion
MEMBER
For more information on these
seminars, visit our website at
www.FirstCapitalFCU.com
DECEMBER
· Deep Sea Savers: Tell us what is on
your Christmas list?
ANNUAL
per item fees on checks
written & checks deposited
no fees if $500 balance
maintained - saves you
thousands each year
high and going higher
low to moderate
LOAN PREPAYMENT
FEES
5% 1st year,
4% 2nd year, etc.
no prepayment fees
LOAN COVENANTS
plenty of them
rarely used
LENDING DECISIONS
out of state
york county
PROFITS GO
out of state
stay here in york county
and are returned to our
members
CHECKING FEES
LOAN FEES
We listen. We understand. We respond.
SERVICES
FOR MORE INFORMATION
call 717.767.5551 and ask to speak with
Wendy Bixler or Helen Landis or email
businessservices@firstcapitalfcu.com.