Among the many aspects of successful money management, one fundamental stands above the rest: saving your money. Although there is more than one way to accumulate wealth, a savings account at First Capital Federal Credit Union is an excellent way to help you achieve financial security. And it's not the size of the deposit that counts: it's making regular and consistent deposits over time that helps your savings grow.

Make your money work for you with these savings options:

* Share Account - the primary savings account of the credit union. When you establish a Savings or Share Account at First Capital, you become a member and co-owner of the credit union. A credit union savings account is called a share account because you purchase an actual share in the Credit Union. Membership is established by opening this account with a $5.00 minimum deposit which must be maintained to keep the account open and active.
* Money Market Account - an interest-earning savings account similar to a traditional Share Account with a higher interest rate. A $1,000 deposit is required to open the account and six withdrawals are allowed per month. Certain other restrictions may apply.
* Christmas Club Account - a special account to help save for holiday spending. On the first business day in October, the balance in the account (including earned dividends) is transferred to the member's main share account. Saving just a little bit each week can really help take away the money worries at holiday shopping time!
* Vacation Club Account - allows you to save money for that special trip no matter what time of year. We all need a vacation sometime! Use your Vacation Club to save for your time "away from it all."
* All-Purpose Account - an account you can use to save for any need! Up to 9 can be established & you can name them whatever you would like -- tax account, wedding fund, etc.
* Youth Accounts - Savings programs designed especially for kids up to 17 years of age.  Children and teens can learn about saving and other important financial topics through stories, games and monthly activities. We have also instituted the First Capital Bucks Program for those up to age 12.  For every $5 deposit, children can earn First Cap Bucks which are then redeemable for fun prizes. For those between the ages of 13 and 17, we have the First Capital Stamp Card program.  For every $20 our young members deposit, they receive a stamp on their stamp card. When each member reaches 10 stamps he or she receives a prize (one redemption per quarter).

Current Share Rates