IN THE Community - First Capital Federal Credit Union

4 T H Q UA R T E R 2 0 1 6
FIRST for loans.
FIRST for you.
1
4
2
DAY OF ACTION
entry one
BASEBALL
GAME
5
3
BOOK NOOK BONANZA
GOLF TOURNAMENT
6
HOT DOG EATING
FAMILY FUN FESTIVAL
1. United Way Day of Action – On June 17, 2016, First Capital staff helped prepare The ARC of York
County’s Camp Pennwood for this season’s campers as part of the United Way Day of Action!
2. Book Nook Bonanza – First Capital FCU staff volunteered to help out June 24 – 26, 2016 at the York
Hospital Auxiliary’s Book Nook Bonanza 2016.
7
CAN DRIVE
In this issue, catch up on what we’ve been doing in the
community, new and upcoming events, and
ways to take advantage of credit union membership.
Join the conversation at
FirstCapitalFCU.com
3. Hot Dog Eating Contest – On July 21, 2016, Jeremy Holtzapple represented First Capital in a hot dog
eating contest organized by Mid-Atlantic Corporate FCU. In all, the contest raised $2,500 for Penn State
Hershey Children's Hospital.
4. Baseball Game for Our Youth – First Capital takes its young members out to the ballpark on July 30,
2016. Members were treated to a free baseball game, two-hour all-you-can-eat buffet, and cake.
5. WellSpan Golf Tournament – On August 1, 2016, First Capital participated in the WellSpan Golf
Tournament. Although it was rained out in the end, participants still had time to get in 12 holes and
enjoy a nice dinner.
6. WellSpan Family Fun Festival – On August 2, 2016, First Capital staff conducted credit health checkups at the WellSpan Family Fun Festival.
7. Don’t forget in November and December we collect non-perishable food for the York County
Food Bank; toys for Toys for Tots; and hats and mittens for local children’s charities. Please join us in
supporting these charitable organizations.
AS
LOW
AS
APR*
This holiday, treat your little
elves to something nice
with the help of a holiday
loan from First Capital FCU.
And, make sure to stay
away from those naughty
credit card rates and high
interest loans. Make this
holiday the best ever!
FIRST for loans.
FIRST for you.
16
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e
b
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October *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 $86.53 per $1,000.00 borrowed at 6.99% 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, 2016.
no payments
for 90 days
with
rates as
low as
2.24%
APR*
for used
or refinanced.
Let First Capital Federal Credit Union take the stress out of your
holiday buying this season. In addition to industry-beating rates,
we’re offering you 90 days of no payments on your next vehicle loan!
That means you can buy a vehicle now and make no payment until
after the holidays. Make sure you get the present you really want this
year, apply for your loan today!
*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. Interest does accrue for the first 90 days. “No Payments For 90 Days” offer
is valid on models 2009-2017. Minimum loan amount for this offer is $7,500.00. Cannot be combined with any other offer other than the 3 star discount. Offer not valid on existing First Capital Federal Credit Union loans. Regular payment options still available. Estimated monthly
new auto payment of $21.80 per $1,000.00 borrowed at 2.24% APR for 48 months. Estimated monthly used/refinanced auto payment of $21.92 per $1,000.00 borrowed at 2.49% APR for 48 months. Effective October 1 – December 31, 2016.
Ten
reasons to join
First Capital
Join us for our free
educational seminars!
SEMINAR SERIES
OCTOBER 12, 2016
Do you have something in your life that you are passionate about? I have many
things that I care deeply about because I have always been a glass is half-full kind of
girl, and the high school cheerleader in me will never die. As a 27-year employee of
a credit union, you will understand if I talk about credit unions all of the time right?
It is just part of my core and my passion…and I want everyone to know about all of
the advantages of being a member/owner of a credit union.
I have put together my very own David Letterman top 10 list for you and believe
me it was quite difficult to narrow it down toentry
just 10 reasons
onewhy you should be a
member of First Capital FCU…
1. Member/Owner Opening a credit union account means you become a
member/owner. Credit union membership/ownership is one step you can take
to save money now and in the future. Become a credit union member/owner and
experience the First Capital difference. It’s simple and you will be glad you did!
2. First Capital Star Rewards Did you know that you can get a free Safe Deposit
Box at First Capital? How about loan discounts and free checks? Our First Capital
Star Rewards Program offers all of that and so much more.
3. Free Credit Health Check-Ups Have you ever wondered how to read your credit
report but had no idea where to start? Well, we can help! Our experienced team
will be happy to pull your credit report, review the report with you, share your
credit score and offer advice. Did I mention - it’s FREE!
4. Loans, Loans, Loans We absolutely love to make loans here at First Capital and
I guarantee that we have some of the best rates in town. Helping our members
fulfill their dreams, and helping them when no one else will, makes us feel really
great and it really is what credit unions are all about…people helping people!
5. Kasasa Yes the name is fun, but if you don’t know Kasasa, please check out our
website. With our Kasasa checking accounts you could earn up to $9.00 a month
OR a 2.25% dividend rate. Plus, you could receive refunds on ATM surcharges
nationwide. This is just another free benefit for our members!
6. Excess Share Insurance First Capital offers additional protection through Excess
Share Insurance (ESI). ESI covers your account up to an additional $250,000, at no
charge. That means your savings are automatically insured up to at least $500,000!
7. Round The Clock Services Manage banking tasks 24/7 with online banking, bill
pay, mobile check deposit, mobile banking, telephone banking and e-statements.
Who doesn’t love to do their banking in their PJ’s and fuzzy slippers in the comfort
of their own home?
8. Community Just as we’re members helping members, we’re also neighbors
who are deeply involved in the communities we serve. In addition to working
with various charities, we love participating in financial education in almost every
school district in York County and hosting seminars on topics such as budgeting
and car buying.
9. You First We love our members and live every day by our You First Core Values.
We want to make sure that every interaction you have with First Capital is the very
best it can be!
10. Amazing People That Work Here My First Capital co-workers are like family.
We care about each other, we work hard and most importantly, WE HAVE FUN!
We hope you feel that family-friendly environment when you walk through our
doors or speak with us on the phone.
Sue DeStephano President/CEO
Budgeting
6:00 – 7:00 p.m.
OCTOBER 26, 2016
Understanding Your
Personal Insurance
6:00 – 7:00 p.m.
NOVEMBER 9, 2016
Couponing 101
6:00 – 7:30 p.m.
NOVEMBER 17, 2016
Budgeting
6:00 – 7:00 p.m.
REGISTRATION
CLOSES TWO
WEEKS PRIOR
TO THIS OFFSITE SEMINAR.
OFFSITE LOCATION
Holiday Inn Express & Suites
140 Leader Heights Road
York, PA 17403
Unless otherwise noted, seminars are held at:
First Capital’s West York Office
1601 Kenneth Road
York, PA 17408
Seminars are subject to cancellation if registered
attendance is low. To register for a seminar:
Call: 717.767.5551 ext. 1125
Email: [email protected]
Visit: any of our locations
Facebook: tinyurl.com/firstcap
For more information on any seminar,
please visit our website at www.FirstCapitalFCU.com.
Set your children and teens up to be financially
responsible. Check out our new youth programs created
especially for them. The younger ones will enjoy being
rewarded for saving their money with a coin purse at account
opening and First Capital coins for their deposits that can be
redeemed for prizes and even cash.
holiday
SKIP-A-PAY
Increase your gifting
budget this holiday!
Ages 13 and younger
Present this coupon and $35 per loan to
skip a payment on any First Capital FCU
Loan or Line-of-Credit.
The older ones
will enjoy a free
t-shirt at account
opening…then
being automatically
rewarded with $5.00
upon reaching 500
points. To find out
more about our
amazing new youth
programs, visit
us online at www.
FirstCapitalFCU.com.
It is mutually agreed that in consideration
of a $35 fee per loan, the (check one)
November 2016
December 2016
January 2017
payment will be deferred for:
NAME
MEMBER NO.
Ages 14-18
LOAN NO.
SKIP DATE
Visit firstcapitalfcu.com/personal/checking to find the
Kasasa account that is right for you.
Are you a Free Checking Customer? What if
your free checking actually offered you higher
interest? Or music instead of money? Or gave
you money to help you save? Kasasa offers that.
Yes, we know we’re making bold statements.
But let us share with you our three check and
savings accounts.
NO MINIMUM BALANCE
NATIONWIDE ATM
FEE REFUNDS
NO MONTHLY FEES
*Due to limited space we are unable to explain all of the details associated with our
Kasasa qual­ification and rewards. We want
you to be fully informed about our Kasasa
offerings so please come into one of our
branches and visit with a member service
representative to understand additional information, details, restrictions, processing
and calculation limitations and enrollment
instructions. Account approval, conditions,
qualifications, limits, timeframes, enrollments, calculation methodologies, log-ons
and other requirements apply.
All these accounts are absolutely FREE and help
you put your money where your passion is with
the following great benefits:
>Kasasa Cash
and will be deferred and extended to the end
of the original loan agreement(s).
BORROWER’S SIGNATURE
DATE
CO-BORROWER’S SIGNATURE
DATE
>Kasasa Cash Back
Get extra cash! Stop by any branch with
this form and $35 to Skip a Payment!
>Kasasa Saver
CU USE ONLY. FEE(S)
COLLECTED FROM ACCOUNT:
Pays you higher dividends.
3% cash back on debit card purchases.
Makes saving easy by sweeping your dividends into
a savings account. (Offered exclusively with Kasasa
Cash and Cash Back accounts – they work together).
>Kasasa Tunes
Earn money to be used at iTunes® and Amazon®
every month.
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.
First Capital Credit Cards
the gift
that
keeps
on
Mobile Check Deposit!
Since Mobile Check Deposit
rolled out in February, more
and more people are taking
advantage of this great new
benefit. With a quick snap
of your check you can make a
deposit without ever visiting a
branch. It’s fast, easy, secure…
and best of all it’s free! Here’s
what one member had to say:
I just want to say that the Mobile Check Deposit has been the greatest thing First
Capital has come out with, ever! Af ter moving to Lancaster, and not wanting to switch
banks (mainly because customer service is amazing, and loan rates are virtually
unbeatable), it has been really hard for me to make it to the bank during business hours.
So being able to take a couple of pictures to deposit checks is huge. So, thank you!
Extremely satisfied and loyal patron!
- Rob H.
It’s a busy time of year...you may
be out buying presents for the holidays,
donating to those less fortunate, or grabbing food on the
go as you run from event to event. During this season of
giving, we want to give back too!
For every new VISA® Credit Card approved and accepted
from October 1 – December 31, 2016, First Capital FCU
7th Annual
October 2O, 2O16
West York Branch at 1601 Kenneth Rd.
Blood Mobile 9:00 am – 5:00 p.m.
Food Trucks 10:30 a.m. – 2:30 p.m.
(for your purchasing convenience)
Vendors - 9:00 a.m. – 5:00 p.m.
Door Prizes & Giveaways
DAY
Our East and South
York Branches will
also have food,
giveaways, and
fun for all!
will donate $2 to the York Cancer Center. This is our way
of giving back to the community and to thank you for
choosing one of First Capital’s Credit Cards.
Vote for your favorite Decorative Pumpkin
Tickets are $1.00 each or 7 for $5.00.
Proceeds will benefit the United Way of York County
T H E S M A RT Working
C A S H F LOW
SOLUTION
Capital
Time is limited and so is cash! A working capital line of credit can be valuable
tool, giving you a flexible source of funds that can save you time and keep
your finances going strong. Call us today to see how we can help!
We listen.
We understand.
We respond.
BusinessL E ND I N G
717.767.5551 | 800.893.2328 | FirstCapitalFCU.com
Employees Celebrate Milestones
We are celebrating our staff members who are hitting
monumental milestones in their careers this month.
Lisa Barshinger 5 YEARS
Mary Corbin 10 YEARS
Trena Stonebraker 15 YEARS
Judy Wire 20 YEARS
Diana Brown 30 YEARS
Select Employee
Group Profiles
entry one
Faith and Truth Assembly
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Breaking new ground since 1952!
www.glba-engineering.com
Monday, October 10
Gordon L. Brown & Associates, Inc. (GLB&A) provides individual Schedule anTHANKSGIVING
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David Komar
Breaking new ground since 1952!
717-795-8703 Ext 53121
NEW YEAR’S DAY
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[email protected]
Monday,
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