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 |
0.099% |
0.100% |
| $5,000 - $14,999.99 |
0.099% |
0.100% |
| $15,000 - $49,999.99 |
0.099% |
0.100% |
| $50,000 - $99,999.99 |
0.099% |
0.100% |
| $100,000 + |
0.199% |
0.200% |
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 |
0.099% |
0.100% |
| $5,000 - $14,999.99 |
$0 |
$1,000 |
0.099% |
0.100% |
| $15,000 - $49,999.99 |
$0 |
$1,000 |
0.099% |
0.100% |
| $50,000 - $99,999.99 |
$0 |
$1,000 |
0.099% |
0.100% |
| $100,000 + |
$0 |
$1,000 |
0.199% |
0.200% |
| Term |
Dividend Rate |
APY |
| 90 Days |
0.099% |
0.100% |
| 6 Months |
0.149% |
0.150% |
| 12 Months |
0.299% |
0.300% |
| 18 Months |
0.299% |
0.300% |
| 24 Months |
0.399% |
0.400% |
| 30 Months |
0.399% |
0.400% |
| 36 Months |
0.449% |
0.450%
|
| 48 Months |
0.548% |
0.550% |
| 60 Months |
0.648% |
0.650% |
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 |
0.299% |
0.300% |
| 24 Months |
0.399% |
0.400% |
| 30 Months |
0.399% |
0.400% |
| 36 Months |
0.449% |
0.450% |
| 48 Months |
0.548% |
0.550% |
| 60 Months |
0.648% |
0.650% |
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 |
0.399% |
0.400% |
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 |
0.399% |
0.400% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Loan Rates
| Type |
Term |
Rate |
| PROMO: 90 Days, No Payments |
72 Months |
1.99%* NEW
2.99%* USED
|
| New Vehicles |
48 Months |
2.49% |
| New Vehicles |
60 Months |
2.74% |
| New Vehicles |
72 Months |
2.99% |
| New Vehicles |
84 Months |
3.24% |
| Used Vehicles |
48 Months |
2.74% |
| Used Vehicles |
60 Months |
3.24% |
| Used Vehicles |
72 Months |
3.74% |
| Used Vehicles |
84 Months |
4.24% |
| New and Used RVs and Boats |
60 Months |
5.24% |
| New and Used RVs and Boats |
72 Months |
5.49% |
| New and Used RVs and Boats |
120 Months |
6.24% |
| 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. 1.99% APR up to 72 Months on New Vehicles. New Vehicles defined as 2021 -2022 and never been titled. 2.99% up to 72 Months on Used Vehicles. Used Vehicles defined as 2018 model year or newer. No payments for the first 90 days. Interest will accrue for the first 90 days and throughout selected loan term. Minimum loan amount for this offer is $15,000.00. Minimum credit score of 640. For purchases only. 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 $14.75 per $1,000.00 borrowed at 1.99% APR for 72 months. Estimated monthly payment of $15.20 per $1,000.00 borrowed at 2.99% APR for 72 months. Cannot be combined with any other offer other than the 3-star discount. Effective April 1, 2022 through June 30, 2022.
| Type |
Rate |
| Personal Loan |
6.74% |
| First Line (Line of Credit) |
6.00% |
| Term |
Rate |
| PROMO: No Fee Home Equity Loan, up to 120 months |
3.15% |
| Up to 60 Months |
3.49% |
| 61 - 120 Months |
3.74% |
| 121 - 180 Months |
3.99% |
Home Equity Line of Credit
Learn More
| Term |
Rate |
| 120 Months |
4.00% |
*APR=Annual Percentage Rate. 0.00% Promotional rate for the first 12 billing cycles on purchases on the Business Rewards card. No annual fee. No balance transfer fee. The standard variable APR for purchases: 10.24% - 18.00%, based on your creditworthiness and card type. Cash Advance variable APR: 10.24% - 18.00% based on your credit worthiness, qualifications and card type. All APRs in effect as of 04/01/2022. Rates will adjust based on the Wall Street Journal Prime. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. Cash Advance Fee: greater of 2% or $10.00. Minimum finance charge $0.50. Subject to credit approval. Visa is a registered trademark of Visa International Service Association and used under license. Offer is not valid to payoff existing First Capital loans. Valid on New Business Rewards cards, opened between 1/1/2022-6/30/2022, only. For new credit card accounts opened between 01/01/2022 and 06/30/2022, to receive the promotional purchase rate, all transactions must be posted within 12 months of new credit card opening. Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Effective April 1. 2022 to June 30, 2022.
