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CAPE Federal Credit Union CAPE Federal Credit Union
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Business Details
50+ Years
experience
Your Trusted Partner for Financial Services
Established in 1947, CAPE Federal Credit Union began as a small initiative by Clarksburg postal employees and has grown into a $12 million financial institution serving members across West Virginia. Our history reflects a steadfast commitment to community-focused banking, evolving from a rudimentary setup in a postal truck to a modern credit union offering comprehensive financial solutions. As a not-for-profit cooperative, we prioritize member needs over profit motives, evidenced by our 76-year track record of providing competitive rates, personalized service, and financial education.

Our team of experienced professionals delivers expert guidance in loans, savings, and investment products, maintaining strict adherence to federally insured security standards through NCUA. We demonstrate industry authority through our enduring presence and continuous adaptation to technological advancements like mobile banking and digital loan applications. Member trust remains paramount, supported by transparent operations, no hidden fees, and community reinvestment initiatives that have strengthened our reputation as a reliable financial partner.
Services
Checking Accounts Auto Loans Mortgage Loans Credit Cards Savings Accounts IRA Accounts Online Banking Safe Deposit Boxes Mobile Banking Student Loans
Details
  • Year established: 1947
Highlights and features
  • We've served Clarksburg communities since 1947 with proven financial expertise
  • Our not-for-profit structure delivers lower loan rates and higher savings yields
  • 24/7 digital access includes mobile check deposit and real-time account management
  • Federally insured deposits protect your money up to $250,000 through NCUA
  • Personalized loan counseling ensures responsible borrowing decisions
Associations and certifications
  • NCUA
What people say
Exceptional service Competitive rates Convenient mobile app Personalized assistance Quick approvals
Update Listing
Services
Checking Accounts
Our no-fee checking accounts provide complete financial flexibility with debit card access, online bill payment, and mobile banking features. Members enjoy unlimited check writing, 24/7 digital access through our app, and nationwide ATM availability. As a not-for-profit credit union, we pass our earnings directly to members through enhanced benefits and no monthly maintenance fees.
Auto Loans
We offer competitive auto loan rates for new and used vehicles with flexible repayment terms up to 60 months. Members receive guaranteed asset protection (GAP) and extended warranties at discounted rates compared to dealerships. Our loan experts provide personalized guidance to ensure affordable payments that align with your budget.
Online Banking
CAPE FCU's digital banking platform enables convenient 24/7 account management through web and mobile devices. Features include real-time balance checks, instant check deposit, fund transfers, loan payments, and electronic statements. Our secure system uses CardValet technology for enhanced card control and transaction monitoring capabilities.
Savings Accounts
We provide multiple savings options including basic share accounts, money market accounts, and certificate programs with tiered dividend rates. Our Christmas and Vacation Club accounts help automate seasonal spending plans, while IRAs offer tax-advantaged retirement savings. All accounts maintain federal insurance coverage up to $250,000.
Personal Loans
Signature loans up to $10,000 feature fixed rates and repayment terms extending to 72 months. These unsecured options work for debt consolidation, emergency expenses, or special purchases. Share Secured Loans offer lower rates by using your savings account or certificate as collateral while preserving your funds for emergency access.
People
Alex Xenakis
Co-Founder
A USPS employee who brought financial expertise to establish CAPE FCU in 1947, pioneering community-based credit union principles that continue today.
Questions
How do I join CAPE Federal Credit Union?
Joining requires only $25 to open a Share Savings Account. Visit our Clarksburg branch or apply digitally through our website's membership application.
What online banking features are available?
Our online platform supports real-time balance checks, fund transfers, bill payments, mobile check deposits, loan applications, and CardValet card management tools.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA), with additional coverage available through shared branching.
Do you offer 24-hour account access?
Digital banking provides 24/7 access, but branch locations have limited in-person hours. Mobile app features work continuously for essential financial management needs.
What loan options do you provide?
We offer auto loans, mortgages, personal loans, student loans, and recreational vehicle financing with competitive rates and personalized terms.
How do payroll deductions work?
Set up automatic transfers from your paycheck to savings accounts or loan payments, ensuring consistent savings and preventing late payment penalties.