First Capital Star Rewards
The power of points!
At the beginning of each month we evaluate your credit union activity and participation for the previous month. We look at the accounts you have, your overall account balances, services you've used over the month (like Direct Deposit or Online Banking), and enrollment for special services like eStatements or Online Bill Pay.
The more you use, the more you get.
Each product or service has a point value which adds into your overall score. Once your score is tallied, you begin earning benefits based on your star level. For example, a score calculated May 1 is based on April activity with benefits awarded for the entire month of May.
*This program does not apply to Deep Sea Savers, Rock Star Super Savers, Business, Custodial, Estate or Rep Payee Members.
|1st order of Share Drafts (checks)||Free||Free||Free (+1 box per year)|
|Dividend Earning Share Draft Accounts||Free||Free||Free|
|Online Bill Pay||Free||Free||Free|
|Share Draft Copy (free online)||$3.00/ea||Free||Free|
|Safe Deposit Box (annual)***||By size||3x5 Free*||3x5 Free*|
|VISA Gift Card Fee***||$4.00||$4.00||Free|
|Wire Transfer (incoming)||$5.00||$5.00||Free|
|Wire Transfer, Domestic (outgoing)||$20.00||$20.00||Free|
|Paid/Unpaid Item Fee (NSF)***||$30.00||$30.00||Free|
|Loan Discount (fixed-rate only)||N/A||N/A||-0.15%|
|Certificate Bump Rate||N/A||N/A||+0.10%|
Use our simple chart toDownload
keep track of your points!