Deposit Account Rates
| Balance |
Dividend Rate |
APY |
| $0 - $10,000 |
2.23% |
2.25% |
| $10,000+ |
0.15% |
2.25% to 0.36% (depending on the balance) |
| All balances if qualifications not met |
0.03% |
0.03% |
Qualifications
To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning really high dividends and ATM withdrawal fee refunds the very next month.
| Balance |
Dividend Rate |
APY |
| $0 - $10,000 |
0.25% |
0.25% |
| $10,000+ |
0.15% |
0.25% to 0.16% |
| All balances if qualifications not met |
0.03% |
0.03% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 |
0.050% |
0.050% |
| $2,500+ |
0.050% |
0.050% |
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 |
0.050% |
0.050% |
| $2,500+ |
0.050% |
0.050% |
| Dividend Rate |
APY |
| 0.150% |
0.150% |
| Balance |
Dividend Rate |
APY |
| $1,000 - $4,999.99 |
0.299% |
0.300% |
| $5,000 - $14,999.99 |
0.299% |
0.300% |
| $15,000 - $49,999.99 |
0.399% |
0.400% |
| $50,000 - $99,999.99 |
0.498% |
0.500% |
| $100,000 + |
0.648% |
0.650% |
Christmas & Vacation Club
Learn More
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 |
0.050% |
0.050% |
| $2,500+ |
0.050% |
0.050% |
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 (Bump) |
0.100% |
0.100% |
| $2,500+ (Bump) |
0.200% |
0.200% |
| $0 - $2,499.99 (Standard) |
0.200% |
0.200% |
| $2,500+ (Standard) |
0.300% |
0.300% |
| Dividend Rate |
APY |
| 0.050% |
0.050% |
Business Share Accounts
Learn More
| Share Type |
Minimum Opening Balance |
Minimum Balance to Avoid Fees |
Rate % |
Yield % |
| Business Savings |
$5 |
$500 |
0.050% |
0.050% |
| Business All-Purpose Share |
$5 |
$500 |
0.050% |
0.050% |
| Business Savings Non-Profit |
$5 |
$100 |
0.050% |
0.050% |
| Business All-Purpose Share Non-Profit |
$5 |
$100 |
0.050% |
0.050% |
Business Draft Account
| Balance |
Minimum Opening Balance |
Minimum Balance to Avoid Fees |
Rate % |
Yield % |
| $0 - $2,499.99 |
$0 |
$500 |
0.100% |
0.100% |
| $2,500+ |
$0 |
$500 |
0.100% |
0.100% |
| $0 - $2,499.99 (Non-Profit) |
$0 |
$100 |
0.100% |
0.100% |
| $2,500+ (Non-Profit) |
$0 |
$100 |
0.100% |
0.100% |
Capital Money Market
Learn More
| Balance |
Minimum Opening Balance |
Minimum Balance to Avoid Fees |
Rate % |
Yield % |
| $0 - $999.99 |
$0 |
$1,000 |
0.000% |
0.000% |
| $1,000 - $4,999.99 |
$0 |
$1,000 |
0.299% |
0.300% |
| $5,000 - $14,999.99 |
$0 |
$1,000 |
0.299% |
0.300% |
| $15,000 - $49,999.99 |
$0 |
$1,000 |
0.399% |
0.400% |
| $50,000 - $99,999.99 |
$0 |
$1,000 |
0.498% |
0.500% |
| $100,000 + |
$0 |
$1,000 |
0.648% |
0.650% |
| Term |
Dividend Rate |
APY |
| 90 Days |
1.000% |
1.005% |
| 6 Months |
1.050% |
1.056% |
| 12 Months |
1.500% |
1.511% |
| 18 Months |
3.250% |
3.299% |
| 24 Months |
2.520% |
2.550% |
| 30 Months |
2.520% |
2.550% |
| 36 Months |
2.569% |
2.600%
|
| 48 Months |
2.618% |
2.650% |
| 60 Months |
2.667% |
2.700% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
IRA Share Certificates
Learn More
| Term |
Dividend Rate |
APY |
| 12 Months |
1.500% |
1.511% |
| 24 Months |
2.520% |
2.550% |
| 30 Months |
2.520% |
2.550% |
| 36 Months |
2.569% |
2.600% |
| 48 Months |
2.618% |
2.650% |
| 60 Months |
2.667% |
2.700% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Step-Up Share Certificate & IRA Step-Up Share Certificate
| Term |
Dividend Rate |
APY |
| 24 Months |
2.520% |
2.550% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Youth Add-On
| Term |
Dividend Rate |
APY |
| 24 Months |
2.520% |
2.550% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Loan Rates
| Type |
Term |
Rate |
| PROMO: Swap & Drop |
72 Months/84 Months
|
3.99%*/4.75%* |
| New Vehicles |
48 Months |
3.49% |
| New Vehicles |
60 Months |
4.74% |
| New Vehicles |
72 Months |
5.24% |
| New Vehicles |
84 Months |
5.49% |
| Used Vehicles |
48 Months |
3.99% |
| Used Vehicles |
60 Months |
5.24% |
| Used Vehicles |
72 Months |
5.74% |
| Used Vehicles |
84 Months |
6.24% |
| New and Used RVs and Boats |
60 Months |
5.74% |
| New and Used RVs and Boats |
72 Months |
5.99% |
| New and Used RVs and Boats |
120 Months |
6.74% |
| New Off-Road Vehicles |
48 Months |
8.99% |
| Used Off-Road Vehicles |
48 Months |
9.74% |
*APR = Annual Percentage Rate. All loans subject to credit approval. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. Up to a 2% reduction on a current financed vehicle interest rate. Rate will not go below 3.99% on terms up to 72-months OR 4.75% on terms from 73-84 months, with the exception of members who qualify for the First Capital Star Rewards 3-Star Discount. 3-Star Members may receive an additional 0.15% reduction on their rate. Loan terms will be up to the remaining term of the existing loan, with a maximum term of 84-months. Member must provide the original dealer documentation and/or a current loan statement to support the rate being reduced and term being matched. Estimated monthly payment of $15.65 per $1,000 borrowed at 3.99% for 72 months. Estimated monthly payment of $14.02 per $1,000 borrowed at 4.75% for 84 months. Maximum loan to value of 115% on 72 Month Term. Maximum loan to value of 100% on 73-84 Month Term. LTV will be determined by the applicant credit qualifications. Model year must be 2019 or newer. New money only, cannot be used on existing First Capital Federal Credit Union loans. Cannot be combined with any other offer other than the First Capital Star Rewards 3-Star discount. Effective January 1 – March 31, 2023.
| Type |
Rate |
| PROMO: Debt Consolidation Loan |
6.99%* |
| Personal Loan |
7.99% |
| First Line (Line of Credit) |
9.50% |
*APR=Annual Percentage Rate. All loans subject to credit approval. Rates, terms, and conditions are subject to change at any time and may vary based on credit worthiness, qualification, and collateral conditions. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 680 credit score and above. Estimated monthly payment of $44.78 per $1,000.00 borrowed @ 6.99% APR for 24 months. Minimum loan amount is $500.00, maximum loan amount is $7,500.00. Cannot be combined with any other offer other than the 3-star discount. Effective January 1 – March 31, 2023.
| Term |
Rate |
| Up to 60 Months |
4.74% |
| 61 - 120 Months |
4.99% |
| 121 - 180 Months |
5.49% |
Home Equity Line of Credit
Learn More
| Term |
Rate |
| 120 Months |
7.00% |
