Rates

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.

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.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

*APR = Annual Percentage Rate. All loans subject to credit approval. 3.65% APR applies for 24 months upon loan closing. After 24-months, any remaining balance plus subsequent advances are subject to a standard variable APR, which is the monthly average of the Six-Month Treasury Bill Rate plus a margin of 3.50% and can adjust quarterly. Rates current as of April 1, 2019. Minimum Loan amount is $10,000. Maximum Loan to Value (LTV) is 80%. First Capital will pay all closing and appraisal costs. Additional fees may apply. Property insurance required; flood insurance may be required. Consult with your tax advisor on possible tax benefits. Applicable to owner-occupied primary residence only in a first or second lien position. Minimum advance of $100. The monthly payment may vary based on loan balance and interest rate fluctuation. First Capital reserves the right to end this promotional rate at any time. New money only. The introductory APR will terminate at the end of the 24- month introductory period, no notice required. Maximum rate cannot exceed 18%. Certain additional restrictions may apply. Other home loan products, rates, and terms available. Offer valid April 1 – June 30, 2019.

*Visa Platinum: Based on creditworthiness. The APR will vary with the market based on the Prime Rate. Introductory purchase rate of 2.99% APR for first 6 months. After 6 months, 10.24% to 18.00% APR. Introductory balance transfer rate of 2.99% APR for first 15 months. After 15 months, 10.24% to 18.00% APR.