APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of October 1, 2025. Fees may reduce earnings.
Deposit Account Rates
Kasasa Cash* Learn More
| 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.
Kasasa Saver* Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $10,000 | 0.249% | 0.25% |
| $10,000+ | 0.149% | 0.15% |
| 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.
Share Savings Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.050% | 0.050% |
| $2,500+ | 0.050% | 0.050% |
All-Purpose Account Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.050% | 0.050% |
| $2,500+ | 0.050% | 0.050% |
IRA Share Learn More
| Dividend Rate | APY |
|---|---|
| 0.250% | 0.250% |
First Money Market Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999.99 | 0.747% | 0.750% |
| $5,000 - $14,999.99 | 0.846% | 0.850% |
| $15,000 - $49,999.99 | 1.094% | 1.100% |
| $50,000 - $99,999.99 | 1.341% | 1.350% |
| $100,000 + | 1.588% | 1.600% |
Christmas & Vacation Club Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.050% | 0.050% |
| $2,500+ | 0.050% | 0.050% |
College Club Learn More
| 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% |
Share Draft Account Learn More
| 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 | 0.747% | 0.750% |
| $5,000 - $14,999.99 | $0 | $1,000 | 0.846% | 0.850% |
| $15,000 - $49,999.99 | $0 | $1,000 | 1.094% | 1.100% |
| $50,000 - $99,999.99 | $0 | $1,000 | 1.341% | 1.350% |
| $100,000 + | $0 | $1,000 | 1.588% | 1.600% |
Share Certificates Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| PROMO: 5 Month Adult | 4.89% | 5.00%* |
| PROMO: 96 Month Youth | 9.57% | 10.00%** |
| 90 Days | 1.98% | 2.00% |
| 6 Months | 2.96% | 3.00% |
| 12 Months | 3.69% | 3.75% |
| 18 Months | 3.45% | 3.50% |
| 24 Months | 3.20% | 3.25% |
| 30 Months | 2.72% | 2.75% |
| 36 Months | 2.72% |
2.75% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.47% | 2.50% |
*APY=Annual Percentage Yield. 5.00% effective as of September 1, 2025 for the 5-month Share Certificate; subject to change at any time. Minimum deposit $1,000, maximum $50,000 per unique social security number. The 5-Month Promo certificate will not automatically renew and all funds from the certificate will be deposited into the primary share at the time of certificate maturity. Promotional offer cannot be combined with any other offer other than the First Capital Star Rewards 3-Star rate increase. In-branch opening only. Penalty for early withdrawal; fees could reduce earnings. Available September 1 - October 31, 2025, to consumer members only. This promotion is not available for business or youth accounts. Other restrictions may apply. Promotion may be discontinued at any time. Federally Insured by NCUA.
**APY=Annual Percentage Yield. 10.00% effective as of September 1, 2025 for the 8-Year Youth Share Certificate; subject to change at any time. Minimum deposit $500.00, maximum $2,000.00 per unique social security number. The 8-Year Youth Share Certificate will not automatically renew and all funds from the certificate will be deposited into the primary share at the time of certificate maturity. Offer cannot be combined with any other offer. Penalty for early withdrawal is 100% forfeiture of all dividends, and the certificate must be closed. The 8-Year Youth Share Certificate promo is available on Deep Sea Saver or NextGen youth accounts for members under age 18 only. Not available for custodial or rep payee accounts. Available September 1 – October 31, 2025 to consumer youth members only. Other restrictions may apply. Promotion may be discontinued at any time. Federally Insured by NCUA.
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 | 3.687% | 3.750% |
| 24 Months | 3.202% | 3.250% |
| 30 Months | 2.715% | 2.750% |
| 36 Months | 2.715% | 2.750% |
| 48 Months | 2.471% | 2.500% |
| 60 Months | 2.471% | 2.500% |
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 Month Step-Up | 3.20% | 3.25% |
| 24 Month IRA Step-Up | 3.202% | 3.250% |
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 | 3.202% | 3.250% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Loan Rates
Auto Loans Learn More
| Type | Term | Rate (as low as) |
|---|---|---|
| PROMO: PAWS ON THE WHEEL, NO PAYMENTS FOR 90 DAYS AUTO LOAN |
UP TO 72 MONTHS |
4.49%* NEW |
| New Vehicles | 48 Months | 4.74% |
| New Vehicles | 60 Months | 5.49% |
| New Vehicles | 72 Months | 5.74% |
| New Vehicles | 84 Months | 6.24% |
| Used Vehicles | 48 Months | 5.00% |
| Used Vehicles | 60 Months | 5.74% |
| Used Vehicles | 72 Months | 5.99% |
| Used Vehicles | 84 Months | 6.39% |
| New and Used RVs and Boats | 60 Months | 6.74% |
| New and Used RVs and Boats | 72 Months | 7.49% |
| New and Used RVs and Boats | 120 Months | 8.49% |
| New Off-Road Vehicles | 48 Months | 9.49% |
| Used Off-Road Vehicles | 48 Months | 10.24% |
*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, qualifications, and collateral conditions. 4.49% for up to 72 months on new vehicles. New Vehicle is defined as 2025-2026 AND never been titled. 4.89% for up to 72 months on used vehicles, 2023 model year or newer. Estimated monthly payment of $15.88 on $1,000.00 borrowed at 4.49% for 72 Months. Estimated monthly payment of $16.06 on $1,000.00 borrowed at 4.89% for 84 Months. No payments for up to the first 90 days. Interest will accrue for the first 90 days and throughout selected loan term. 700 credit score and above. Maximum LTV of 115%. Offers are for dealer purchases only (no private sales) and limited to 2023 or newer makes/models. Minimum loan amount of $20,000. Cannot be combined with any other offer other than the FirstCapital Star Rewards 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2025.
Personal Loans Learn More
| Type | Rate |
|---|---|
| PROMO: HOLIDAY LOAN | 5.99%* |
| Personal Loan | 9.24% |
| First Line (Line of Credit) | 9.25% |
*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. 700 credit score and above. Estimated monthly payment of $86.07 per $1,000.00 borrowed @ 5.99% APR for 12 months. Minimum loan amount is $500.00, maximum loan amount is $5,000.00. Cannot be combined with any other offer other than the FirstCapital Star Rewards 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2025.
Home Equity Loans Learn More
| Term | Rate |
|---|---|
| Up to 60 Months | 5.74% |
| 61 - 120 Months | 5.99% |
| 121 - 180 Months | 6.49% |
Home Equity Line of Credit Learn More
| Term | Rate |
|---|---|
| 120 Months | 8.00% |
Credit Cards Learn More
| Types | Rate |
|---|---|
| PROMO: 10X POINTS ON GAS & GROCERY PURCHASES WITH THE SIGNATURE REWARDS VISA CREDIT CARD | 13.99% TO 18.00%* |
| Visa Platinum Credit Card (Introductory Rate) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 11.99% to 18.00% |
| VISA Signature Rewards | 13.99% to 18.00% |
| VISA Secured | 17.99% |
| VISA Business Rewards | 13.99% to 18.00% |
*APR=Annual Percentage Rate. Qualifying purchases must be made on or before December 31, 2025, to qualify for the 10x bonus reward points. 10x rewards points (1 base point plus 9 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) on gas and grocery purchases (Merchant Codes- 5411, 5541 and 5542). Purchases not processed using the codes for VISA mentioned above will not qualify for bonus points. First Capital Federal Credit Union does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts. One rewards point will be earned per $1 spent on other non-qualifying net purchases during the promotional period and on all purchases after December 31, 2025. Minimum purchase amount of $1.00. ATM transactions, cash advances of any kind, balance transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Standard variable APR for Purchase, Balance Transfer & Cash Advance: 14.24% - 18.00% based on credit worthiness . All APRS in effect as of 08/01/2025. The Annual Percentage Rate is subject to change on the first day of the billing cycle quarterly to reflect any change in the index (Wall Street Journal Prime) and will be determined by the Prime Rate on the first day
of each quarter (January, April, July, and October). Cash Advance Fee: greater of 2% or $10. No Annual Fee. No Balance Transfer Fee. Minimum Finance Charge: $0.50. Credit Approval required. VISA is a registered trademark of Visa International Service Association and used under license. Promotion subject to change or may be withdrawn at any time. Offer valid on new and existing First Capital Federal Credit Union VISA Signature Rewards credit cards. Effective October 1 – December 31, 2025.