4 T H Q UA R T E R 2 0 1 6
2 N D Q UA R T E R 2 0 1 7
FIRST
for loans.
FIRST
for loans.
FIRST
for
you.
FIRST for you.
v
1
ADOPT-A-FAMILY
entry
entry one
one
4 4
AMERICAN
HEART
BASEBALL
ASSOCIATION
DONATION
GAME
55
2
HAT
& NOOK
MITTEN
DONATION
BOOK
BONANZA
NATIONAL
RED DAY
GOLFWEAR
TOURNAMENT
6
3
YORK
CENTER
HOTCANCER
DOG EATING
STUDENT
TOUR
FAMILY FUN
FESTIVAL
1. A
dopt-a-Family – Employees of First Capital Federal Credit Union adopted a family from the Bell Family
Shelter over the holidays. And, on Friday, December 15, 2017, mom stopped by First Capital to express her
appreciation and to accept the presents for her family.
7 7
REAL LIFE
CANPROGRAM
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
2. Hat & Mitten Donation – On January 20, 2017, Tara Houser, Vice President of Marketing and Lisa
Barshinger, Community Engagement Officer, delivered hats and mittens, which were collected at the
branches over the holidays, to the Salvation Army.
3. York Cancer Center – On January 20, 2017, First Capital gave $250 to the York Cancer Center from our 4th Q.
credit card promotion and in honor of those affected by cancer.
4. A
merican Heart Association Donation - In February, First Capital sold hearts for $1.00 each at all of its
branches and raised $200 for the American Heart Association.
5. N
ational Wear Red Day – First Capital staff wore red on February 3, 2017 in recognition of National Wear
Red Day. The Go Red movement was designed to empower women to take charge of their heart health.
6. S tudent Tour – On February 10, 2017 students from the West York Area High School visited First Capital to
learn about the positions in the credit union and the differences between banks and credit unions.
FirstCapitalFCU.com
7. R
eal Life Program – On February 21, 2017 First Capital staff served as financial advisors for Junior
Achievement’s Real Life program.
8
8. R
ealtor Seminar – On February 24, 2017 First Capital hosted a seminar for local realtors to learn more
about our new mortgage program.
REALTOR SEMINAR
EXTENDED
NOW AVAILABLE FOR
PERSONAL AND BUSINESS
VEHICLE LOANS!
swap dropsave
and
Don’t let a hefty car payment shatter your dreams.
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 1.99% APR*.
You’ll lower your monthly
payments, and save money
over the life of the loan. The
sooner you apply, the sooner
you can start saving money.
your
rate
as much as
2%
FirstCapitalFCU.com
717.767.5551
800.893.2328
We’ve
got
you covered.
HOME
EQUITY
AND
MORTGAGE
with lower
monthly
payments and
better rates
and terms.
*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 1.99% for consumer and 2.49% for business. Estimated monthly payment
for consumer loans of $14.75 per $1,000.00 borrowed at 1.99% APR for 72 months. Estimated monthly
payment for business loans of $14.97 per $1,000.00 borrowed at 2.49% APR for 72 months. Offer valid
on NON-First Capital FCU loans. Cannot be combined with any other offer other than the 3-star discount. Effective January 1 – April 30, 2017.
Dream big
for less.
HOME
EQUITY
• Flexible & convenient.
•R
ates as low as 3.99%
APR* for 120 months.
• L ower rates, better terms.
Buying or
refinancing we’ve got you
covered.
MORTGAGE
• Competitive rates.
• First Mortgage • Jumbo loans
• Adjustable-rate • PHFA loans
• FHA and VA
• Refinancing
We do everything mortgage! From first mortgage to home equity loans,
we’ve got you covered with competitive rates and terms! Call or visit us
online to find out more or apply today.
*APR=Annual Percentage Rate. All loans subject to credit approval. Rates, terms and conditions are subject to change at any time and may vary based on credit worthiness, qualifications and collateral conditions. Estimated monthly payment of
$10.13 per $1,000.00 borrowed at 3.99% APR for 120 months. Up to 80% Loan to Value. Minimum home equity loan amount is $5,000, new money. 3.99% interest rate INCLUDES the 3-star discount; otherwise interest rate is as low as 4.14%.
Effective April 1 – June 30, 2017.
gives
back
Sue DeStephano, President/CEO
Helping our members improve their financial lives and
giving back to our community is our passion. In fact, it is the
heart of the credit union philosophy-people helping people.
So, that’s why I am so excited to share this news with you.
Since we implemented Kasasa® a little over two years ago,
we have given back over $558,000.00 to our members! That
entry one
is an amazing amount of money we have paid out to our
members for Kasasa Cash, Kasasa Cash Back, and Kasasa
Tunes, our rewards checking account programs. If you do
not know what Kasasa is, please check it out online, stop in
or give us a call today so that you can take advantage of this
extraordinary return we
provide to our members.
Since we
implemented
Kasasa® a little over
two years ago, we
have given back over
$558,000.00 to our
members!
In addition to giving
back to our members,
First Capital has a long
history of giving back to
our community. We are
committed to supporting
civic, educational, cultural
and human service
organizations located
right here in York County.
As a member of First
Capital, you are part
of a financial cooperative that does not focus solely on
generating income, but on making a positive impact in the
lives of our members, family, friends and neighbors. As a
credit union, we’re committed to helping our membership
make good financial decisions. Unlike some traditional
commercial banks, your credit union is not here to “sell” you
financial services that you don’t need. We are here to help
you manage your money, meet your obligations, and have
the financial success you deserve.
Thank you for your membership at First Capital Federal
Credit Union and entrusting us with your financial needs.
We look forward to serving you and our community for
many years to come.
First Cap Gives Back!
Sue DeStephano, President/CEO
Join us for our free
educational seminars!
SEMINAR SERIES
Used Car Buying
April 12, 2017, 6:00 – 7:00 p.m.
Buying a car is one of the biggest purchases a person will make. The average person doesn’t buy a car but once every few years, and the industry is
constantly evolving. How can you keep up? Should you buy new or used?
How do you know which incentive is the best deal? Is your trade really worth
$5,000 even if it is towed in? Our car buying consultant will help answer these
questions and more.
Dennie Smith, Enterprise Car Sales
To register: https://firstcapitalfcuusedcarbuying.eventbrite.com
Medicare
April 26, 2017, 6:00 – 7:00 p.m.
Understanding Medicare is the first step in making the right choice for your
insurance coverage. In this informative workshop, Natalie Harnish, a trusted
Highmark Medicare Sales Advisor will explain what you need to consider. Learn
about the gaps in original Medicare, explore Medicare plan options and review
important information about Medicare eligibility and enrollment periods. This
event is for educational purposes only, and no Medicare specific plan benefits
or details will be shared.
Natalie Harnish, Highmark, Inc.
To register: https://firstcapitalfcumedicare.eventbrite.com
Introduction to QuickBooks
May 10, 2017, 6:00 – 7:00 p.m.
Want to use QuickBooks for your business, but don’t know how?
This seminar will give you a quick look at how QuickBooks works; including
charts of accounts which include Accounts Receivable, Accounts Payable and
Reporting Features.
Tammy Winters and Kevin Eisenhart, Reinsel Kuntz Lesher LLP (RKL),
Certified Public Accountants and Consultants
To register: https://firstcapitalfcuquickbooks.eventbrite.com
Estate Planning & Elder Care
May 24, 2017, 6:00 – 7:00 p.m.
Estate planning is one of the most valuable steps you can take to protect
yourself and your loved ones for future events. In this seminar you’ll learn how
wills, trusts, Powers of Attorney and health care powers can help to secure
your assets and personal wishes. We will touch on taxes, probate and share
tips for keeping your assets in your family, as well as discuss the importance of
Medicaid Planning and Elder Law guidance.
Timothy J. Bupp, Esquire and Christina Herold, Estates Paralegal, CGA Law Firm
To register: https://firstcapitalfcueldercare.eventbrite.com
Unless otherwise noted, seminars are held at:
First Capital’s West York Office
1601 Kenneth Road
York, PA 17408
For more information
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
FirstCapitalFCU.com
JOIN US FOR A SPECIAL YORK REVOLUTION BASEBALL
GAME TO CELEBRATE OUR YOUTH PROGRAMS!
• 2 hour all-you-can
-eat buffet
• goody bag for children
• activities
Saturday, July 22, 2017
5:45pm – 7:45pm
5 Brooks Robinson Way
York, PA 17401
RSVP by Friday, June 23, 2017
Deep Sea Savers will receive a free ticket with a
Haven’t joined our youth program? What
paying adult. Adult tickets cost $15.35 (this number
are you waiting for? Our Deep Sea Savers
may change). NextGen members will also receive a
and NextGen programs are created
free ticket. One free ticket per membership. Tickets
with our young members in mind! From
are limited. Friends and family who wish to attend
learning how to save to growing up
may purchase additional tickets. Every Deep Sea
and learning how to best manage your
Saver and NextGen member in attendance will be
money, these accounts will give you the
entered into a drawing for a chance to throw out the
building blocks for your financial future.
first pitch. Stop in at any branch beginning Monday,
Talk to a Member Service Officer to open
May 1, 2017 to pick up your ticket vouchers.
your youth account today!
DEADLINE
Don’t miss out on your chance at
one of two $1,000.00 scholarships
to help with college. The deadline
to submit the First Capital FCU
scholarship application is:
Friday, April 7, 2017.
For more information, call
717.767.5551 or stop by any branch.
$250
D
R
A
C
T
F
®
I
G
A
S
I
V
Simplify the way you pay your bills by paying
them on your schedule, all in one place, with
one password. PLUS, BE ENTERED TO WIN A
$
250 VISA® GIFT CARD!
Pay at least THREE bills through Online Bill Pay during
each month of the quarter - April, May, and June - and
be automatically entered for a chance to win a $250
VISA® Gift Card.*
*One bill payer will be randomly selected from all participating members to win a $250
gift card. Employees and immediate family members of the financial institution are not
eligible to win.
3.49
We’re your local loan source! Take advantage of special rates
for our business members - available for a limited time only.
*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. Effective April 1 – June 30, 2017.
BUSINESS CORNER
commercial
equipment as low as
The Business
Services Team
Helen, Wendy
and Jenna
We have given $558,000 back to our members since June
of 2014 through our Kasasa rewards checking accounts!
NO MINIMUM BALANCE
NATIONWIDE ATM
FEE REFUNDS
NO MONTHLY FEES
Are you a Free Checking Customer? What if your free checking
>Kasasa Cash
Pays you higher dividends.
actually offered you higher interest? Or music instead of money?
Or gave you money to help you save? Kasasa offers that.
>Kasasa Cash Back
3% cash back on debit card purchases.
Yes, we know we’re making bold statements. But let us share with
creditunioning:
First Capital FCU engaging with
you our three check and savings accounts.
>Kasasa Saver
a group
share financial
Makes people
saving easyto
by sweeping
your dividends into a savings
All these accounts are absolutely FREE and help you
put yourof like-minded
account. (Offered exclusively with Kasasa Cash and Cash Back
money where your passion is with the following great
benefits:
knowledge and creating an exceptional experience for
accounts – they work together).
them at every point
of contact.
>Kasasa
Tunes The opposite of banking.
Visit FirstCapitalFCU.com/personal/checking
to find the Kasasa account that is right for
you.us
Help
Earn money to be used at iTunes® and Amazon® monthly.
abolish
the ‘b’ word and make
*Due to limited space we are unable to explain all of the details associated with our Kasasa
qual­ification and rewards. We want you to bethe
fully informed
about our
offerings so please come into
#creditunioning
way
toKasasago.
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.
Employees Celebrate Milestones
We are celebrating our staff members who are hitting
monumental milestones in their careers this quarter.
MAY
Becky Braun 15 YEARS
Helen Landis 15 YEARS
JUNE
Danielle Keith 5 YEARS
Danielle, Helen and Becky
Select
Select
Employee
Employee New
New
Select
Select
Group
Group
Profiles
Profiles Employee
Employee
Groups
Groups
entry
entry
one one
Southern Branch YMCA
Wherley Generations Moving
& Storage
Meta Hair, LLC
Brown’s Orchards and Farm
Market is nestled among the
rolling hills of Southern York
County Pennsylvania. Since
1948, Brown’s has transformed
from a simple roadside stand
into one of the region’s favorite
family destinations. Brown’s
has been owned & operated by
three generations of the Brown’s
family, all committed to homegrown excellence.
GGS Information Services is
recognized as an ISO-certified
quality provider of technical
information, engineering services,
parts database and document
management solutions. GGS
is the leading provider of the
document management software
Laserfiche®. GGS offers Laserfiche
training, consulting, and technical
support services to support your
document management solution.
www.brownsorchards.com
www.ggsinc.com
A BETTER
WAY TO PAY
FOR COLLEGE.
If you haven’t figured out how to pay
for college, First Capital FCU can help. With zero origination fees, lower interest rates and flexible
repayment options, our private student loan solution may be the best option for you.
Our Credit Union Student Choice private loan solution will help fill funding gaps that federal aid can
leave behind. Visit us online at FirstCapitalFCU.com/loans/student-loans.html to find out more
about the product and to apply. You can also apply for a student loan by calling our 24/7 student
lending call center at 866.686.6858.
HOEM, Inc.
12th Ward Independent
Democratic Club
HOLIDAY CLOSINGS
MEMORIAL DAY
Monday, May 29
INDEPENDENCE DAY
Tuesday, July 4
Get up-to-date
Get up-to-date
information
information
and more
and more
at at
FirstCapitalFCU.com
FirstCapitalFCU.com