APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of July 1, 2020. 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 | 0.25% | 0.25% |
| $10,000+ | 0.25% to 0.16% | 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.
Share Savings Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.150% | 0.150% |
| $2,500+ | 0.150% | 0.150% |
All-Purpose Account Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.150% | 0.150% |
| $2,500+ | 0.150% | 0.150% |
IRA Share Learn More
| Dividend Rate | APY |
|---|---|
| 0.400% | 0.400% |
First Money Market Learn More
| 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 | 0.149% | 0.150% |
| $50,000 - $99,999.99 | 0.199% | 0.200% |
| $100,000 + | 0.299% | 0.300% |
Christmas & Vacation Club Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.150% | 0.150% |
| $2,500+ | 0.150% | 0.150% |
College Club Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 (Bump) | 0.300% | 0.300% |
| $2,500+ (Bump) | 0.400% | 0.400% |
| $0 - $2,499.99 (Standard) | 0.200% | 0.200% |
| $2,500+ (Standard) | 0.300% | 0.300% |
Share Draft Account Learn More
| Dividend Rate | APY |
|---|---|
| 0.100% | 0.100% |
Business Share Accounts Learn More
| Share Type | Minimum Opening Balance | Minimum Balance to Avoid Fees | Rate % | Yield % |
|---|---|---|---|---|
| Business Savings | $5 | $500 | 0.150% | 0.150% |
| Business All-Purpose Share | $5 | $500 | 0.150% | 0.150% |
| Business Savings Non-Profit | $5 | $100 | 0.150% | 0.150% |
| Business All-Purpose Share Non-Profit | $5 | $100 | 0.150% | 0.150% |
Business Draft Account
| Balance | Minimum Opening Balance | Minimum Balance to Avoid Fees | Rate % | Yield % |
|---|---|---|---|---|
| $0 - $2,499.99 | $0 | $500 | 0.150% | 0.150% |
| $2,500+ | $0 | $500 | 0.150% | 0.150% |
| $0 - $2,499.99 (Non-Profit) | $0 | $100 | 0.150% | 0.150% |
| $2,500+ (Non-Profit) | $0 | $100 | 0.150% | 0.150% |
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 | 0.149% | 0.150% |
| $50,000 - $99,999.99 | $0 | $1,000 | 0.199% | 0.200% |
| $100,000 + | $0 | $1,000 | 0.299% | 0.300% |
Share Certificates Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| 90 Days | 0.249% | 0.250% |
| 6 Months | 0.299% | 0.300% |
| 12 Months | 0.548% | 0.550% |
| 18 Months | 0.548% | 0.550% |
| 24 Months | 0.697% | 0.700% |
| 30 Months | 0.697% | 0.700% |
| 36 Months | 0.797% |
0.800% |
| 48 Months | 0.896% | 0.900% |
| 60 Months | 0.995% | 1.000% |
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 | 0.548% | 0.550% |
| 24 Months | 0.697% | 0.700% |
| 30 Months | 0.697% | 0.700% |
| 36 Months | 0.797% | 0.800% |
| 48 Months | 0.896% | 0.900% |
| 60 Months | 0.995% | 1.000% |
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 | 0.697% | 0.700% |
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 | 0.697% | 0.700% |
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 |
|---|---|---|
| 90 DAYS NO PAYMENTS PROMO | 48 Months | 1.24%* |
| New Vehicles | 48 Months | 2.99% |
| New Vehicles | 60 Months | 3.24% |
| New Vehicles | 72 Months | 3.49% |
| New Vehicles | 84 Months | 3.99% |
| Used Vehicles | 48 Months | 2.99% |
| Used Vehicles | 60 Months | 3.34% |
| Used Vehicles | 72 Months | 3.99% |
| Used Vehicles | 84 Months | 4.99% |
| OFF-ROAD VEHICLE LOAN PROMO | 5.99%** | |
| New and Used RVs and Boats | 60 Months | 5.74% |
| New and Used RVs and Boats | 72 Months | 5.99% |
| New and Used RVs and Boats | 120 Months | 6.74% |
| New Off-Road Vehicles | 48 Months | 7.99% |
| Used Off-Road Vehicles | 48 Months | 8.74% |
*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. Promotional rate as low as 1.24% for up to a 48 months or as low as 1.99% for 49-72 months, with no payments for up to 90 Days. The 1.24% and 1.99% rates are received when borrower qualifies for the 3 Star Discount of .15%, please see a FCFCU rep to details on how to qualify for the 3 Star Discount. Without the 3 Star Discount rates are as low as 1.39% for up to 48 months and 2.14% for 49-72 month. Estimated monthly payment of $21.41 for $1,000.00 borrowed at 1.24% for 48 months with first payment 90 days from origination. Estimated monthly payment of $14.80 for $1,000.00 borrowed at 1.99% for 72 months with first payment 90 days from origination. Interest will accrue from loan origination. Borrowers are not required to take advantage of the 90 Days no payments to receive the promotional rate. 640 credit score and above. Financing up to 115% of value, with a maximum term of 72 months. LTV will be based on member’s credit. Offer is for vehicle purchase transactions only and limited to 2015 or newer makes/models. Vehicle must be purchased and titled in the State the vehicle will be registered in. Cannot be combined with any other offer other than the 3-star discount. Effective June 1 - August 31, 2020. First Capital FCU reserves the right to stop this promotion at any time.
**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. All borrowers must have a minimum credit score of 640 to receive promotional rates advertised below. New money only, cannot refinance or use funds to pay off an existing First Capital FCU loan. Collateral must be purchased and titled in the State of registration. Cannot be combined with any other offer other than the 3-star discount. Effective July 1 - September 30, 2020. First Capital FCU reserves the right to stop this promotion at any time.
Off-Road Vehicles: Estimated monthly payment of $23.49 per $1,000.00 borrowed at 5.99% APR for 48 months for qualified off-road vehicles. 2013 model year or newer. Minimum loan amount of $5,000. Off-road vehicles, for this promotion are defined as jet-skis, ATVs, dirt bikes, snowmobiles, non-business cargo and horse trailers. Maximum loan to value (LTV) of 100%.
Boat and RV Loans: Estimated monthly payment of $11.10 per $1,000.00 borrowed at 5.99% APR for 120 months for Boats and RVs. 2013 model year or newer. Minimum loan amount $25,000. Maximum loan to value (LTV) of 100%.
Personal Loans Learn More
| Type | Rate |
|---|---|
| Personal Loan | 9.00% |
| First Line (Line of Credit) | 5.25% |
Home Equity Loans Learn More
| Term | Rate |
|---|---|
| FIXED HOME EQUITY LOAN PROMO | 3.75%* |
| Up to 60 Months | 3.49% |
| 61 - 120 Months | 3.99% |
| 121 - 180 Months | 4.49% |
*APR=Annual Percentage Rate. All loans subject to credit approval. 3.75% 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 rate offer is $15,000.00. Estimated monthly payment of $10.01 per $1,000 borrowed at 3.75% 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 in first or second lien position. First Capital Federal Credit Union reserves the right to end this promotional rate at any time. New money only, 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. Effective July 1 - September 30, 2020.
Home Equity Line of Credit Learn More
| Term | Rate |
|---|---|
| 120 Months | 4.00% |
Credit Cards Learn More
| Credit Card Types | Rate |
|---|---|
| Visa Platinum Credit Card (Introductory Rate) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 7.99% to 15.99% |
| 9.99% to 17.99% | |
| VISA Secured | 13.99% |
| VISA Business Rewards | 9.99% to 17.99% |