Thank You for Joining CAPE FCU!

Thank you for becoming part of our credit union family. As you explore your account and member benefits, please know that we are here to answer all your questions.

If you need assistance with your account or want to learn more about specific financial services, please reach out at your convenience.

» Give Us a Call: 304.623.4794

» Leave a Message: Contact Form

» Stop By & See Us: 323 East Pike Street | Clarksburg, WV 26301

Discover Better Rates & Yields

Unlike traditional banks, CAPE Federal Credit Union is a not-for-profit financial institution. Instead of maximizing income for outside investors, CAPE returns all our profits to our members.

We return this income to our members in the form of:

» Lower Loan Rates                      

» Higher Savings Yields             

» Low & Eliminated Fees

» Many Services at No Cost

Your Funds are Safe & Secure

At CAPE FCU, protection of the credit union and our members’ funds is our top priority, and we make every effort to ensure we remain a fiscally sound and secure financial institution. We do this with the guidance of the National Credit Union Administration (NCUA), a US government agency, who regularly examines our policies and practices to safeguard our financial well-being.

Additionally, our Board of Directors, Supervisory Committee, and leadership team consistently work with federal and independent examiners to review and analyze our assets, interest rates, and overall financials to preserve our sound financial institution status.

All members accounts are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000.

Reminder: CAPE FCU will never call, email, text, or contact you via social media asking you to verify or provide private or financial account details. If you receive a suspicious communication claiming to be from CAPE FCU, please call us at 304.623.4794.

Enroll in Online & Mobile Banking

Access to your accounts has never been easier thanks to CAPE Online & Mobile Banking. Whether you’re out shopping, relaxing on the couch, or traveling cross-country, your accounts are only a few clicks away.

» View Account Balances

» Transfer Funds

» Make Loan Payments

» Apply for a Loan

» Review Your E-Statement

» Pay Bills with Online Bill Pay

You must first enroll in Online Banking. If you have not already done so, please click here to get started. Then, download our Free Mobile App to access your account anytime, anywhere.

» Download Free Mobile App – Apple App Store

» Download Free Mobile App – Google Play

Set Up Direct Deposit & Relax

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 https://liteblue.usps.gov. 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 877.874.6347.

Learn How to Control Your Debit Card

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 on Google Play or the Apple App Store or learn more at www.CardValet.com.

» Download CardValet App – Apple App Store

» Download CardValet App – Google Play

Same Car. Lower Payments!

Love your car, but not your payment? Refinancing your auto loan might sound complicated and costly, but it’s actually the opposite. Switching your loan to CAPE is quick, easy, and together we’ll work to lower your existing payments.

4 Ways Refinancing Can Save You Money:

• Interest Rates Have Dropped

If interest rates have come down since you originally financed your car, refinancing could instantly save you money. Or, if your current loan is financed with a dealership, our current rates are likely much lower.

• Your Credit Score Improved

Loan rates are determined largely by your credit score. Rates are priced on tiers, meaning the better your score, the lower your interest rate will be. As a result, even small improvements in your score could move you up to a lower-priced tier, helping to reduce your monthly payments.

• Extending Your Term

By extending your current loan’s term, you can immediately experience financial relief. However, you do not want to over-extend your loan, causing you to owe more than your car is worth. Luckily, our lending team will work with you one-on-one to ensure you don’t fall into this scenario. Instead, you’ll experience lower monthly payments and drive away happy.

• Shortening Your Term

Maybe you want to pay off your car quicker and significantly reduce the amount of interest you pay at the same time. By shortening your loan term, your payments will increase. However, the amount of interest you pay over the life of your loan will drastically decline.

At CAPE, we know car loans. If you love your existing car, but want to keep more of your hard-earned money, we’re here to help. Get started by calling us at 304.623.4794 or apply online.

We Finance More Than Just Cars!

Whether you want to cruise the waterways or trailblaze in a 4X4 UTV, we have you covered. At CAPE, we’re here to help finance the vehicles that mean the most to you.

• Motorcycles
• ATVs
• Recreational Vehicles
• Boats & Watercraft
• Campers
• Farm Equipment

Get started by calling us at 304.623.4794 or apply online.

Unlock the Potential of a Certificate Account

Share Certificate Accounts, commonly called Certificates of Deposit (CD), are an excellent tool to boost your savings. Take a break from the stock market roller coaster and enjoy guaranteed returns on your investments.^

Who Should Invest with Certificates?

Short answer: Everyone! Certificates are investment accounts that lock in your funds for a designated period. In exchange, you earn much higher returns vs. traditional savings accounts. Here are some ideal scenarios for certificates:

• Nearing Retirement: Certificates are a more conservative investment tool without market risk.
• Diversified Portfolio: A well-diversified portfolio is a winning strategy for any investor.
• First-Time Investors: Learn not to touch your money for extended periods and let compound interest work in your favor.
• Achieving Goals: One of the best perks of certificates is that they force you to save – making them great tools when saving for a new home, building a college fund for your child, or preparing for a dream vacation.

Open Your Share Certificate Account Today.

It’s easy to get started. Stop by to see us or call 304-623-4794.

Fees may reduce earnings on accounts. $1,000 minimum deposit required for Certificates. Early withdrawal penalties may apply on Certificate Accounts. Contact credit union for complete details.

^Share Certificate Accounts available through CAPE Federal Credit Union are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), a US government agency.

Enjoy Freedom with a Money Market Account

With a Money Market Account from CAPE FCU, you’ll be able to enjoy the flexibility of a traditional Savings Account, but with the added ability to earn even higher returns on your savings.

Money Market rates are tiered, meaning the more you deposit, the better your rates will become. Your money will grow even faster, plus you can withdraw funds as necessary – without any hidden fees. (Money Market Account withdrawals are limited to six per month.)

It’s easy to get started. Stop by to see us or call 304-623-4794.

Membership is a Family Affair!

We’re thankful that you chose CAPE as your credit union. Now, we want to share the perks of membership with all your family members.

At CAPE, we provide the tools, resources, and benefits to assist members of all ages. Whether you’re opening your child their first account, saving for college, preparing to start a family, or planning for retirement, we’re prepared to help.

So, spread the word about the Perks of Membership at CAPE, and invite all your family members (and friends) to join!

Open Your Child a Youth Account

It’s never too early to begin teaching your child about money. As a parent, you have the most significant influence on your child’s saving and spending habits – both now, and later in life. By providing a good example and helping them create healthy habits now, you will set them up for success in the future.

Opening your child a Youth Account is a crucial step to introducing them to banking and building strong money management skills.

It’s easy to open their account. Stop by to see us or call 304-623-4794.

*Please bring birth certificate and Social Security card to open a new account.

Start Saving for College Early

The best strategy in building your child’s college savings plan is to start early. Putting a little money aside each month following their birth allows your earnings to grow and compound for 18 years. Even small sums can turn into significant balances with time.

Whether you’re just getting started or want to explore Sallie Mae® Student Loans, we’re here to help.

For more information on Sallie Mae® Student Loans, please click here. To explore savings options at the credit union, please give us a call at 304-623-4794 or stop by to see us.

4 Reasons to Use a Balance Transfer

A balance transfer allows you to move your existing high-interest credit card balances to a lower-rate CAPE VISA® Credit Card – providing immediate financial relief. Transferring balances can streamline your finances and unlock substantial savings immediately.

Here are 4 Reasons to Consider a Balance Transfer:

• Get Organized

If you’re juggling multiple credit cards, it can quickly become challenging to stay afloat financially. Between multiple due dates and high-interest charges, it might seem like you’ll never become debt-free. By consolidating debt with a balance transfer, you’ll only have one monthly payment – providing instant stress-relief.

• Save Instantly

A key component of a balance transfer is to move your high-interest balances to a lower-rate credit card. Doing so will instantly reduce the amount of interest you owe monthly, providing immediate savings.

• Improve Your Credit Score

Anytime you can reduce outstanding credit card debt, your credit score will get a bump. Balance transfers allow you to organize your debts and streamline your finances with a single monthly payment. But, best of all, the immediate savings gives you money to pay down debt quicker or address other outstanding debts – both helping to boost your credit score.

• Build Confidence

High-interest credit card debt can weigh you down. Using a balance transfer can help you reduce debt quicker and save money at the same time. As you watch your outstanding balances fall, it will boost your confidence and motivate you to keep progressing toward all your financial goals.

If you have questions about CAPE’s VISA® Credit Card or want to learn more about transferring your high-interest balances, we’re here to help. Please give us a call at 304-623-4794 or stop by to see us.

Your Balance Transfer Checklist

Financial relief is only one balance transfer away. By moving your high-interest credit card balances to a lower-rate CAPE VISA® credit card, you’ll streamline your finances and immediately save money.

Use the following checklist to get the most out of your balance transfer.

BEFORE YOU APPLY:

1. Review your credit score & report. Dispute any errors to help improve your score.
2. Gather copies of all your existing credit card statements.
3. Apply for your transfer with CAPE.

AFTER YOU TRANSFER BALANCES:

1. Create a repayment plan to eliminate debts quickly & affordably.
2. Enroll in Autopay to ensure you never miss a payment.
3. Limit new purchases. Instead, focus on paying off your balance – not adding to it.

If you have questions about CAPE’s VISA® Credit Card or want to learn more about transferring your high-interest balances, we’re here to help. Please give us a call at 304-623-4794 or stop by to see us.

Reference Links:

• Thank You
• Better Rates
• Safe Secure
• Online Mobile
• Direct Deposit
• Card Valet
• Lower Payments
• More Than Cars
• Certificate Account
• Money Market
• Family Membership
• Youth Account
• College Savings
• Balance Transfer
• Checklist