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.

*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. 3.99% for up to 72 months on new vehicles. New Vehicle is defined as 2026-2027 AND never been titled. 4.49% for up to 72 months on used vehicles, 2024 model year or newer. Estimated monthly payment of $15.65 on $1,000.00 borrowed at 3.99% for 72 Months. Estimated monthly payment of $15.88 on $1,000.00 borrowed at 4.49% 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 2024 or newer makes/models. Minimum loan amount of $20,000. Cannot be combined with any other offer other than the First Capital StarRewards® 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2026.

*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 $86.06 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 First Capital StarRewards® 3-star discount. Promotion may be withdrawn at any time. Effective October 1 – December 31, 2026.

*APR=Annual Percentage Rate. Qualifying purchases must be made on or before December 31, 2026, 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 reward point will be earned per $1 spent on other non-qualifying net purchases during the promotional period and on all purchases after December 31, 2026. 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 01/01/2026. 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 for new and existing First Capital Federal Credit Union VISA Signature Rewards cards. Effective October 1 - December 31, 2026.