Business Details
50+ Years
experience
Emergency
services
Trusted Credit Union Services in Clarksburg, WV
Founded in 1947, CAPE Federal Credit Union Federal Credit Union has served the Clarksburg, West Virginia community with a commitment to member-centric financial services. Originally established by postal employees, we began operations from the back of a postal truck and have grown into a $12 million institution offering comprehensive banking solutions. As a not-for-profit cooperative, we prioritize member benefits through competitive rates, low fees, and personalized service. Our history of innovation includes implementing West Virginia's first credit union computer system in 1987 and pioneering digital banking solutions.Governed by a volunteer board of directors, we maintain federal insurance through NCUA, ensuring member deposits are protected up to $250,000. With three generations of local leadership, we combine decades of financial expertise with modern technological advancements to serve Harrison County residents and select employee groups. Our physical branch operations, including drive-thru services since 2020, complement our 24/7 digital banking platform, reflecting our dual commitment to accessibility and tradition.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Mobile Banking
Online Bill Pay
IRA Accounts
Safe Deposit Boxes
Payroll Services
Details
- Year established: 1947
Highlights and features
- We offer 24/7 digital banking access with no monthly service fees
- Our NCUA-insured accounts protect deposits up to $250,000
- We provide personalized financial solutions with local decision-making
- Our member-owned structure returns profits to account holders
- We maintain a 75-year history of community financial service
Associations and certifications
- NCUA
Services
Checking Accounts
Our no-minimum, no-monthly-fee checking accounts provide complete financial flexibility with free online banking, mobile check deposit, and nationwide ATM access. Members enjoy unlimited check writing, debit card transactions, and free e-statements. The account serves as the foundation for all CAPE Federal Credit Union FCU services, including free bill pay and person-to-person payments.
Savings Accounts
From basic share savings to specialized Christmas and vacation clubs, our savings products help members achieve financial goals. All accounts earn competitive dividends with no monthly maintenance fees. The required share savings account establishes membership, while money market options offer tiered dividend rates for larger balances.
Auto Loans
CAPE Federal Credit Union FCU offers low fixed-rate auto loans with terms up to 60 months for new and used vehicles. Members receive guaranteed asset protection (GAP) and extended warranties at 50% less than dealership prices. Online application and payroll deduction options simplify the borrowing process for qualified applicants.
Online Banking
24/7 digital banking services include account management, bill payment, mobile check deposit, and real-time transaction monitoring through CardValet. The free mobile app enables secure fund transfers, statement access, and instant card controls. Biometric authentication ensures account security across all digital platforms.
Mortgage Loans
Our first mortgage programs help homebuyers achieve homeownership with competitive fixed rates and flexible terms. Personalized guidance from loan experts simplifies the approval process, with local decision-making and community-focused underwriting standards that prioritize member financial health.
Questions
What are the membership requirements for CAPE FCU?
Membership is open to individuals living, working, or attending school in Harrison County, West Virginia, along with their families and select employee groups.
How can I access my accounts outside business hours?
Our 24/7 online and mobile banking platforms allow account access anytime, with mobile check deposit, bill payment, and real-time balance monitoring available through the free app.
What loan options are available for vehicle purchases?
We offer auto, motorcycle, and recreational vehicle loans with low fixed rates, flexible terms up to 60 months, and discounted GAP coverage for qualified borrowers.
Are my deposits insured at CAPE FCU?
Yes, all deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA), with additional protection through our financial stability.
What special savings programs do you offer?
We provide Christmas and vacation club accounts with weekly deposit limits, plus individual retirement accounts and money market options with tiered dividend rates.
How can I report a lost or stolen debit card?
Contact our 24/7 hotline at 833-337-6075 immediately to report lost or stolen cards and request emergency replacements.