E CAL - York, PA – Red Lion, PA – Dallastown, PA · our charitable organizations, please contact Lisa . Barshinger, Community & Business Development Manager at. 717.767.5551 ext.

1. Breakfast Tour On March 11, 2020,the Senior Managers visited the East YorkBranch with some tasty breakfast dishesfor staff to enjoy.

2. Career Readiness EducationWorkshop On March 16, 2020, LisaBarshinger and Eric Deaner took part inthe York County Alliance for Learning’sCareer Readiness Education Workshop.This event showcased career options tohelp give students a better idea of whatjob field they may like to pursue.

3. Interview Day On April 24, 2020,First Capital’s Lisa Barshinger and EricDeaner conducted “virtual” interviewsduring Interview Day at York Catholic HighSchool.

4. Give Local York Sponsor On May 1,2020, in commemoration of First Capital’syear of founding (1954), at 19:54 ALLGIFTS up to $100 were matched by FirstCapital FCU until the minute was overor the $1,000 Match Minute Pool wasdepleted! We helped out 21 organizationswith this sponsorship.

5. Scholarship Winners On May 1, 2020,First Capital awarded two $1,000 DennisFlickinger Honorable Scholarships toKaylee Renfrew and Samuel Koons.

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Lori Hoskin15 YE ARS

From offering deposit slips to members waiting in the drive-thru to plexi-shields on our desks, First Capital is making sure our members and staff stay safe and healthy during this difficult time.

We are here to help! If you are experiencing challenges due to the COVID-19 pandemic, our loan counselors, Courtney and Susan, can help get you back on track.

GI VELOCAL

PANDEMIC PREPAREDNESS

Sue DeStephano President/CEO | First Capital Federal Credit Union

On behalf of the Board of Directors, Management and Staff at First Capital Federal Credit Union, we warmly welcome the members of West York Area School District Employees Federal Credit Union (WYASDEFCU)!

On May 6, 2020, the members from WYASDEFCU overwhelmingly approved a merger with First Capital. The Board of Directors from both credit unions have mutually agreed that this partnership is a tremedous opportunity to create more value to your membership. At First Capital, we are pleased to offer you a full array of banking products and services to serve all your financial needs including free checking accounts, credit and debit cards, auto loans, mortgages, mobile and online banking, mobile check deposit, and much more.

All three employees from WYASDEFCU have decided to retire and start the very exciting next phase of their life. We would like to congratulate and thank Bill, Patty and Judy for all of their years of service in the credit union industry. I am confident that the decision to bring together our two credit unions will mean a secure and promising future for our members. I appreciate your support and confidence as we move forward together!

The Path ForwardAlthough times are uncertain, the First Capital team is here to support you. We are financially strong and we will continue to weather this storm together. We are committed to keeping our branches, contact center and ATMs open to serve you.

Our focus is keeping our employees and our members safe. As a member-owned cooperative, we are, and always will be, here for our members in good times, but especially during challenging times. This is why credit unions were created in the first place.

Information around COVID-19 continues to evolve. We will continue to communicate with you during this time and thank you for your understanding and patience as we carve out the path forward together. We remain committed to serving our members and our community, and we never take for granted the trust you have put in us as your financial institution.

Welcome!

Stay well and safe!

Contactless Debit Card& Digital Wallet

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Along with the Contactless card, we will also be introducing a Digital Wallet. This will allow you to store your credit cards, debit cards, loyalty cards, and even coupons in digital form on your mobile device. Through this wallet you will be able to access Apple Pay, Samsung Pay, Visa Checkout, and more. Look for these new enhancements this summer.

As social distancing and virtual and digital alternatives become the new norm, First Capital continues to look for ways to take your banking experience to the next level. In the coming months, we will be rolling out Contactless Debit Cards. As your debit card expires, you will receive a new Contactless card. What that means is you can pay with a single tap at many of your favorite merchants, negating the need to hand over your card to the clerk.

Visit FirstCapitalFCU.Eventbrite.com for details and to register.

Questions or comments?

call: 717.767.5551 ext. 1125email: [email protected]: tinyurl.com/firstcap

S E M I N A R S E R I E SCheck out our new VIRTUAL

seminar series!

In addition to our Student Choice undergraduate

private lending solution, we also offer a solution to help

graduate students fill advanced degree funding gaps.

When federal aid just isn’t enough, we can help!

We now offer education loans for

UNDERGRADUATE & GRADUATE STUDENTS

· Flexible repayment options

· Extremely competitive rates

· No origination or pre-payment fees

· Easy online application

· 24/7 call center services

· Convenient line of creditstructure that helps yousecure financing for yourentire college career*

Visit FirstCapitalFCU.StudentChoice.orgor call 866.686.6858 to learn more!

* Subject to credit qualification and annual creditreview. Students must also meet the school’s Satisfactory Academic Progress (SAP) requirements.

Going to college is one of life’s most significant opportunities. And it’s expensive! We’re giving you access to Edmit’s college planning tools so your family is set up for financial success.

Edmit’s professional guidance gives you peace of mind that you’re making the best decisions when it comes to paying for college. With personalized college reports and recommendations, you can find the best schools for your budget and understand the value of different colleges, including by specific majors.

Oh, and it’s free! We’re covering the full cost of Edmit Plus, a $99 value. The average Edmit family saves over $5,000 in college costs!

To learn more or get started, visit edmit.me/firstcapitalfcu.com

During the onset of the COVID-19 pandemic, while many other businesses were closed, First Capital was on the financial frontlines, making sure you had access to your money and helping members with emergency assistance and other loans. But it was First Capital’s Business Services Team, that worked ‘round the clock to help make sure our small business members received help through the Small Business Administration’s Payment Protection Program. During this time, we funded 43 PPP loans.

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Make all the right college money movesEDMIT

We’re here to help you thrive!Your Business Services Team: Helen Landis, Wendy Bixler, and Barb Heikes

For more information on how to become one of our charitable organizations, please contact Lisa Barshinger, Community & Business Development Manager at 717.767.5551 ext. 1125 or [email protected].

First Cap Gives Back is our charitable giving program in which employees nominate organizations that are near and dear to their hearts for First Capital to consider giving financial support. Not only does this program allow us to support our local community, it allows our employees to have a voice in which organizations we support.

The 2nd Q. partner we had chosen to support was the York County Food Bank. Unfortunately, due to COVID-19, First Capital was unable to hold the food drive originally planned. Instead, First Capital donated $500 to the York County Food Bank to use towards the purchase of food for those in need.

For 3rd Quarter, First Capital pledges to donate money to local organizations to help our community get back on its feet.

* 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 requirements. All borrowers must have a minimum credit score of 640 to receive promotional rates advertised below. New money only, cannot refinance or use funds to pay off an existing First Capital FCU loan. Collateral must be purchased and titled in the State of registration. Cannot be combined with any other offer other than the 3-star discount. Effective July 1 - September 30, 2020. First Capital FCU reserves the right to stop this promotion at any time.

Boat and RV Loans: Estimated monthly pay-ment of $11.10 per $1,000.00 borrowed at 5.99% APR for 120 months for Boats and RVs. 2013 model year or newer. Minimum loan amount $25,000. Maximum loan to value (LTV) of 100%.

Off-Road Vehicles: Estimated monthly payment of $23.49 per $1,000.00 borrowed at 5.99% APR for 48 months for qualified off-road vehicles. 2013 model year or newer. Minimum loan amount of $5,000. Off-road vehicles, for this promotion are defined as jet-skis, ATVs, dirt bikes, snowmobiles, non-business cargo and horse trailers. Maximum loan to value (LTV) of 100%.

Here are a few of the charitable organizations we have supported: Leg Up FarmOlivia’s HouseAmerican Heart AssociationSalvation ArmyUnited Way of York CountyHospice & Community CareNot One More – York ChapterYork County Veterans OutreachYork County SPCA

and relax this summer!and relax this summer!

55..99995.99 APR*5.99get outside with rates as low as

HOME EQUITY LOANS

FIXEDRATE 3.75

AS LOW AS

GREAT FOR REMODELING, DEBT CONSOLIDATION, UNEXPECTED EXPENSES AND MORE!

** APR=Annual Percentage Rate. All loans subject to credit approval. 3.75% APR applies to Fixed Home Equity loans for terms up to 120 months. Minimum credit score of 640 to receive promotional rate. Maximum loan to value (LTV) not to exceed 80%. Minimum loan amount to qualify for this rates offer is $15,000.00. Estimated monthly payment of $10.01 per $1,000 borrowed at 3.75% for 120 months. First Capital Federal Credit Union will pay all appraisal and closing costs. Additional fees may apply. Property insurance required. Flood insurance may be required. Consult your tax advisor on possible tax benefits. Owner-occupied primary residence only in first or second lien position. First Capital Federal Credit Union reserves the right to end this promotional rate at any time. New money only, certain additional restrictions may apply. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral requirements. Other home loan products, rates, and terms are available. Effective July 1 - September 30, 2020. First Capital FCU reserves the right to stop this promotion at any time.

APR**

Allstar Home Buyers LLC

Diakon Adoption and Foster Care

Youngs Fitness LLCRJ Investment Properties LLCKipling Kreek

Materials

HOLIDAY CLOSINGS

INDEPENDENCE DAY Weekend of July 3rd and 4th

LABOR DAY Monday, September 7

FirstCapitalFCU.com

Thank you for all your hard work!

Congratulations to all those who are celebrating

anniversaries.

E M P L O Y E E MILESTONES

Lori Hoskin 15 YE ARS

Angel Rohrbaugh 1 YE AR

Lonny Trovinger 1 YE AR

Sheilah Werner 1 YE AR

Central Family Restaurant is located 1 mile from Route 30 and is within walking distance of historic downtown York. They offer a variety of homemade specials and desserts from hand-rolled pot pie, steaks and prime rib, award-winning cream of crab soup to a Spanish omelet for breakfast.

EatAtCentral.com

learn more at rabbittransit.org

rabbittransit, a regional public transportation provider, offers a variety of transportation services to the residents of Adams, Columbia, Cumberland, Franklin, Montour, Northumberland, Perry, Snyder, Union and York Counties. Nearly 8,000 people depend on rabbittransit each day to get to work, medical facilities, school and other life-sustaining activities. rabbittransit is dedicated to helping all residents in the region get to where they want to go.

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AS LOW AS

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…and start your loan with

NO PAYMENTSFOR 90 DAYS!

Celebrate the return of summer with special

rates on auto loans …

UP TO 48 MONTHS UP TO 72 MONTHS