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 |
| 0.250% |
0.250% |
| Balance |
Dividend Rate |
APY |
| $1,000 - $4,999.99 |
0.399% |
0.400% |
| $5,000 - $14,999.99 |
0.399% |
0.400% |
| $15,000 - $49,999.99 |
0.498% |
0.500% |
| $50,000 - $99,999.99 |
0.995% |
1.000% |
| $100,000 + |
1.489% |
1.500% |
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 |
0.399% |
0.400% |
| $5,000 - $14,999.99 |
$0 |
$1,000 |
0.399% |
0.400% |
| $15,000 - $49,999.99 |
$0 |
$1,000 |
0.498% |
0.500% |
| $50,000 - $99,999.99 |
$0 |
$1,000 |
0.995% |
1.000% |
| $100,000 + |
$0 |
$1,000 |
1.489% |
1.500% |
| Term |
Dividend Rate |
APY |
| 90 Days |
1.000% |
1.005% |
| 6 Months |
1.050% |
1.056% |
| 12 Months |
4.169% |
4.250% |
| 18 Months |
4.409% |
4.500% |
| 24 Months |
3.445% |
3.500% |
| 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 |
4.169% |
4.250% |
| 24 Months |
3.445% |
3.500% |
| 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 |
3.445% |
3.500% |
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 |
3.445% |
3.500% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Loan Rates
| Type |
Term |
Rate |
| PROMO: Auto Loan |
72 Months/84 Months
|
4.49%*/4.99%* |
| New Vehicles |
48 Months |
4.99% |
| New Vehicles |
60 Months |
5.49% |
| New Vehicles |
72 Months |
5.99% |
| New Vehicles |
84 Months |
6.49% |
| Used Vehicles |
48 Months |
5.49% |
| Used Vehicles |
60 Months |
5.99% |
| Used Vehicles |
72 Months |
6.49% |
| Used Vehicles |
84 Months |
6.99% |
| New and Used RVs and Boats |
60 Months |
6.74% |
| New and Used RVs and Boats |
72 Months |
6.99% |
| New and Used RVs and Boats |
120 Months |
7.74% |
| 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 requirements. 4.49% APR up to 72 Months on 2020 model year or newer. 4.99% up to 84 Months on 2022 model year or newer. Minimum loan amount for this offer is $20,000.00. Minimum credit score of 640. Maximum loan to value (LTV) of 115%. Valid on purchase and refinance transactions. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Certain additional restrictions may apply. Estimated monthly payment of $15.87 per $1,000.00 borrowed at 4.49% APR for 72 months. Estimated monthly payment of $14.13 per $1,000.00 borrowed at 4.99% APR for 84 months. Cannot be combined with any other offer other than the 3-star discount. Effective April 1 - June 30, 2023.
| Type |
Rate |
| Personal Loan |
8.99% |
| First Line (Line of Credit) |
10.25% |
| Term |
Rate |
| PROMO: No Fee Home Equity Loan |
4.99%* |
| Up to 60 Months |
5.74% |
| 61 - 120 Months |
5.99% |
| 121 - 180 Months |
6.24% |
*APR=Annual Percentage Rate. All loans subject to credit approval. 4.99% APR applies to Fixed Home Equity loans for terms up to 120 months. Minimum credit score of 640 to receive promotional rate. Maximum loan to value (LTV) not to exceed 80%. Minimum loan amount to qualify for this rates offer is $15,000.00. Estimated monthly payment of $10.61 per $1,000 borrowed at 4.99% for 120 months. First Capital Federal Credit Union will pay all appraisal and closing costs. Additional fees may apply. Property insurance required. Flood insurance may be required. Consult your tax advisor on possible tax benefits. Owner-occupied primary residence only and must be in first or second lien position. First Capital Federal Credit Union reserves the right to end this promotion at any time. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Certain additional restrictions may apply. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral requirements. Other home loan products, rates, and terms are available. Cannot be combined with any other offer other than the 3-star discount. Effective April 1,2023 through June 30, 2023.
Home Equity Line of Credit
Learn More
| Term |
Rate |
| 120 Months |
8.00% |
