When it comes to your accounts and your hard-earned money, there is one area we take very seriously – security. Your accounts, whether it’s our processing-system or your online / mobile banking, experience the highest level of security.

In addition, we seek to offer the most convenient service options possible to our members. From anytime, anywhere access to one-on-one financial advice, we’re here for you.


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.

Online Banking


Access your accounts on your schedule. Whether you’re an early bird or night owl, you can access your money whenever, wherever with our Free Online Banking.

  • View Your Account Balance(s)
  • Transfer Funds
  • Make Loan Payments
  • Review Your E-Statements and more!
  • If you are not set up for CAPE Online Banking – sign up today.


Manage your money on the go with our Free Mobile App! Available to download from the Google Play Store or Apple iTunes.

  • View Your Account Balance(s)
  • Deposit Checks via Smartphone
  • Transfer Funds
  • Make Loan Payments
  • Review Your E-Statements and more!

Download our Free Mobile App Today!

CAPE Federal Credit Union iOS App Download
CAPE Federal Credit Union Google Play App Download
Mobile Banking
Card Valet Logo


Easily control your debit card with CardValet. Set up alerts and manage your finances on the go.

  • Security:  Turn your card ON or OFF, in an instant, for any reason.
  • Alerts & Controls:  Monitor and control your spending limits based on location, merchant categories, and specific transaction types.
  • Flexibility:  Easily set, customize, and modify alerts.

Best of all, the CardValet app is FREE to use for all CAPE FCU members. Download it today or learn more at


Waiting in line to deposit your paycheck is a thing of the past. With Direct Deposit, your paycheck will be deposited instantly into your CAPE FCU account before you even wake up! So whether you want to spend time with your family or are on vacation, you never have to worry about waiting in line to deposit your paycheck again.

Signing up for Direct Deposit is simple and only takes a few minutes. Most employers offer this convenient service and best of all it’s FREE!

  • USPS Employees:  To sign up for Direct Deposit, you need to log into PostalEase by calling 877.4PS.EASE or visit You will need your CAPE FCU account number and the Credit Union Routing #: 251578721
  • Non-USPS Employees:  To sign up for Direct Deposit, stop by your Accounting or Payroll Office of your company and provide them with a voided check from your CAPE FCU Checking Account. If you do not have a Checking Account, provide them with your Savings Account number and CAPE FCU’s Routing #: 251578721
  • Social Security / Other Federal Benefits:  To set up Direct Deposit for your Social Security benefit or other Federal Benefit programs, please visit GoDirect or call the U.S. Treasury Processing at 800.333.1795.
Direct Deposit
Payroll Deduction


Grow Your Savings & Never Miss a Loan Payment Again with PAYROLL DEDUCTION!

  • Grow Your Savings: The biggest part of growing your savings is not how much you earn in dividends; instead it is the act of saving. Putting aside a specific amount each month leads to fruitful savings. When you sign up for Payroll Deduction at the Credit Union, you choose a specific amount to save each month. When your paycheck is deposited, that portion will automatically be withdrawn and deposited into the account you choose (i.e. Savings or Money Market). Now your savings will grow consistently and automatically. Best of all, Payroll Deduction is FREE!
  • Never Miss a Loan Payment: A great feature of Payroll Deduction is the option to have your Credit Union loan payments automatically withdrawn from your paycheck. Imagine never having to worry about missing a loan payment. You protect your credit score you’ve worked so hard to build and eliminate the possibility of late fees.

To enroll in Payroll Deduction, call 304-623-4794, or stop by any Branch Location.


We know your time is valuable. In order to help you address your financial needs, we’ve provided the most commonly requested account forms.

You are able to download, print and return these forms to the Credit Union.

When returning completed forms, please DO NOT email (as most contain personal / private information).

Note: To view the forms below, you need Adobe Reader. Click here to download this free software.

Common Account Forms
Safe Deposit Box


Have you ever lost your passport? Spent hours searching for your birth certificate or other documents? Or had an expensive piece of jewelry disappear?

If you answered yes to any of these questions, stop by and open a Safe Deposit Box. For about $2 per month, you can eliminate the fear of losing your valuables and the hassle of replacing them.

You have private access to your belongings anytime during credit union hours. Stop by our Branch Location to get your Safe Deposit Box today.

    3″ x 10″ x 22″
  • $35.00
    per year
    6″ X 10″ X 22″
  • $60.00
    per year
    10″ X 10″ X 22″
  • $100.00
    per year


TruStage™ Life Insurance Plans

Protect the people who matter most in your life with TruStage™ Life Insurance Policies. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.

Call 1-844-337-5831 for more information about this important coverage.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

TruStage™ Life Insurance Plans
TruStage™ Auto Insurance Program


TruStage™ Auto Insurance Plans

Working with carefully selected auto insurance companies, the TruStage™ Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.

Get your Free Quote today or call 1-855-262-9150.

TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. No matter where you travel in the United States, we protect you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts or labor.

To find out more, visit

Route 66 extended warranty graphic


At CAPE, we understand your time is valuable. That’s why we offer a variety of additional services designed to save you time and money.

Stop by our Branch Location today and we’ll be happy to help you with all your financial needs!

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 States.

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