Experience a world of PERKS as a member of CAPE Federal Credit Union. As a Not-For-Profit financial institution, all our services are designed with your best interest in mind. From lower loan rates and higher deposit yields to lower and eliminated fees, the benefits of being a member are great!

Plus, you’ll experience the luxury of having financial experts ready to help answer all your questions – all without unnecessary fees, such as fees to speak to a teller. Our goal is to help you make the best financial decisions and provide the tools for you to achieve your personal goals.

You’re not just another account. At CAPE Federal Credit Union, you are a member.


Experience a level of member service long forgotten by larger institutions. We are people helping people!


As a not-for-profit institution, we’re able to offer lower loan rates, higher deposit yields and provide many at little or no cost.


Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. through NCUA (National Credit Union Administration).


Enjoy the convenience of anytime, anywhere access to your accounts with FREE Online & Mobile Banking.

Who can join CAPE


  • Persons who live, work, worship, or attend school in Harrison County, West Virginia.
  • A spouse of persons who died while within the field of membership of the Credit Union, employees of this Credit Union, and members of their immediate families or household, and organizations of such persons are within the field of membership.
  • Select Employee Groups (SEG) Opportunity.
  • If you are a local business and would like the option to offer membership at CAPE Federal Credit Union to your employees, you may become a Select Employee Group. This is a great and FREE benefit to offer your employees.
  • To apply to become a SEG, simply print this letter on your company letterhead and return to CAPE Federal Credit Union.

*Subject to approval by the CAPE Board of Directors and National Credit Union Administration (NCUA).


  • If you qualify to become a member of CAPE Federal Credit Union, joining is easy! Simply print and complete the Membership Application. You will need to bring an initial $10.00 deposit and $1.00 membership fee at the time of account opening along with two forms of ID.
  • Once you are a member of CAPE, you are a member for life unless you close your account.
How to join CAPE

Become a member of CAPE FCU today & experience the PERKS of a not-for-profit institution with your best interest in mind!

Website Accessibility
CAPE Federal Credit Union is committed to providing the best banking and financial service solutions for our members. Our goal is to provide an accessible website that is barrier-free to everyone and we are actively working to increase accessibility and usability of our website. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 304-623-4794. The products and services described on this website are offered only in the United Sates.

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