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+ |
0.25% 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.
| 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: Swap & Drop |
72 Months |
1.99%* |
| New Vehicles |
48 Months |
2.49% |
| New Vehicles |
60 Months |
2.49% |
| New Vehicles |
72 Months |
2.74% |
| New Vehicles |
84 Months |
3.74% |
| Used Vehicles |
48 Months |
2.49% |
| Used Vehicles |
60 Months |
3.09% |
| Used Vehicles |
72 Months |
3.74% |
| Used Vehicles |
84 Months |
4.74% |
| 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 conditions. Up to a 2% reduction on a current financed vehicle interest rate. Rate will not go below 1.99% on terms up to 72-months OR 2.99% on terms from 73-84 months, with the exception of members who qualify for the First Capital Star Rewards 3-Star Discount. 3-Star Members may receive an additional 0.15% reduction on their rate. Loan terms will be up to the remaining term of the existing loan, with a maximum term of 84-months. Member must provide the original dealer documentation and/or a current loan statement to support the rate being reduced and term being matched. Estimated monthly payment of $14.75 per $1,000 borrowed at 1.99% for 72 months. Estimated monthly payment of $13.21 per $1,000 borrowed at 2.99% for 84 months. Maximum loan to value of 115%. Model year must be 2015 or newer. New money only, cannot be used on existing First Capital Federal Credit Union loans. Cannot be combined with any other offer other than the First Capital Star Rewards 3-Star discount. Effective January 1 – March 31, 2022.
| Type |
Rate |
| Personal Loan |
7.49% |
| First Line (Line of Credit) |
5.25% |
| Term |
Rate |
| Up to 60 Months |
3.24% |
| 61 - 120 Months |
3.74% |
| 121 - 180 Months |
3.99% |
Home Equity Line of Credit
Learn More
| Term |
Rate |
| 120 Months |
3.75% |
*APR=Annual Percentage Rate. 15 Month 0.00% Promotional rate on balance transfers for new and existing Visa Signature Rewards or Visa Platinum credit cards. No annual fee. No balance transfer fee. The standard variable APR for purchases: 7.99% - 17.99%, based on your creditworthiness and card type. Cash Advance variable APR: 7.99% - 17.99% based on your credit worthiness, qualifications and card type. All APRs in effect as of 12/1/2021. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless your purchases have a 0% APR or you pay the entire balance (including any Transferred Balances) in full each month. 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 pay off existing First Capital loans. To receive the promotional Balance Transfer Rate all transactions must post within 90 days of account opening. For New cards, the balance transfer rate of 0% starts at the date of account opening (Ex. If card opened 2/1/2022 and balance transfer is conducted 3/1/2022, borrower will receive 14 months at 0%.). For existing cardholders, the balance transfer rate of 0% starts 1/1/2022 (Ex. If balance transfer is conducted on 2/1/2022, borrower will receive 14 months at 0%.). Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Effective January 1 - March 31, 2022.
**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: 9.99% - 17.99%, based on your creditworthiness and card type. Cash Advance variable APR: 9.99% - 17.99% based on your credit worthiness, qualifications and card type. All APRs in effect as of 12/01/2021. 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 1/1/2022-3/31/2022, only. For new credit card accounts opened between 1/1/2022 and 3/31/2022, 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 January 1 - March 31, 2022.
