APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of September 1, 2024. 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+ | 0.15% | 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.
Share Savings Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.050% | 0.050% |
| $2,500+ | 0.050% | 0.050% |
All-Purpose Account Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.050% | 0.050% |
| $2,500+ | 0.050% | 0.050% |
IRA Share Learn More
| Dividend Rate | APY |
|---|---|
| 0.250% | 0.250% |
First Money Market Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999.99 | 0.747% | 0.750% |
| $5,000 - $14,999.99 | 0.846% | 0.850% |
| $15,000 - $49,999.99 | 1.094% | 1.100% |
| $50,000 - $99,999.99 | 1.341% | 1.350% |
| $100,000 + | 1.588% | 1.600% |
Christmas & Vacation Club Learn More
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.050% | 0.050% |
| $2,500+ | 0.050% | 0.050% |
College Club Learn More
| 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% |
Share Draft Account Learn More
| 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 | 0.747% | 0.750% |
| $5,000 - $14,999.99 | $0 | $1,000 | 0.846% | 0.850% |
| $15,000 - $49,999.99 | $0 | $1,000 | 1.094% | 1.100% |
| $50,000 - $99,999.99 | $0 | $1,000 | 1.341% | 1.350% |
| $100,000 + | $0 | $1,000 | 1.588% | 1.600% |
Share Certificates Learn More
| Term | Dividend Rate | APY |
|---|---|---|
| 90 Days | 2.959% | 3.000% |
| 6 Months | 3.445% | 3.500% |
| 12 Months | 4.409% | 4.500% |
| 18 Months | 3.928% | 4.000% |
| 24 Months | 3.687% | 3.750%* |
| 30 Months | 2.959% | 3.000% |
| 36 Months | 2.959% |
3.000% |
| 48 Months | 2.959% | 3.000% |
| 60 Months | 2.959% | 3.000% |
*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.
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 | 4.409% | 4.500% |
| 24 Months | 3.687% | 3.750%* |
| 30 Months | 2.959% | 3.000% |
| 36 Months | 2.959% | 3.000% |
| 48 Months | 2.959% | 3.000% |
| 60 Months | 2.959% | 3.000% |
*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.
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 | 3.687% | 3.750%* |
*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.
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 | 3.687% | 3.750%* |
*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.
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 (as low as) |
|---|---|---|
| PROMO: PURR-Fect Auto Loan |
72 Months |
4.99% |
| New Vehicles | 48 Months | 4.99% |
| New Vehicles | 60 Months | 5.99% |
| New Vehicles | 72 Months | 6.49% |
| New Vehicles | 84 Months | 6.99% |
| Used Vehicles | 48 Months | 5.25% |
| Used Vehicles | 60 Months | 6.24% |
| Used Vehicles | 72 Months | 6.74% |
| Used Vehicles | 84 Months | 7.49% |
| New and Used RVs and Boats | 60 Months | 6.74% |
| New and Used RVs and Boats | 72 Months | 7.49% |
| New and Used RVs and Boats | 120 Months | 8.49% |
| New Off-Road Vehicles | 48 Months | 9.49% |
| Used Off-Road Vehicles | 48 Months | 10.24% |
*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. 4.99% APR up to 72 Months OR 5.99% up to 84 Months on 2020 Model Year or newer. Minimum loan amount for this offer is $20,000.00. Minimum credit score of 640. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Valid on purchase and refinance transactions. Maximum Loan to Value (LTV) on 84-Month Term will be 100%. Additional restrictions may apply. Estimated monthly payment of $16.11 per $1,000.00 borrowed at 4.99% APR for 72 months. Estimated monthly payment of $14.61 per $1,000.00 borrowed at 5.99% APR for 84 months. Cannot be combined with any other offer other than FirstCapital Star Rewards 3-star discount. Effective July 1 - September 30, 2024.
Personal Loans Learn More
| Type | Rate |
|---|---|
| PROMO: Vacation Loan | 6.99% |
| Personal Loan | 9.99% |
| First Line (Line of Credit) | 10.50% |
*APR=Annual Percentage Rate. All loans subject to credit approval. 6.99% APR for a Personal Unsecured Loan for up to a 24 Month Term. 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. 680 credit score and above. Estimated monthly payment of $44.78 per $1,000.00 borrowed @ 6.99% APR for 24 months. Minimum loan amount is $500.00, maximum loan amount is $7,500.00. Cannot be combined with any other offer other than FirstCapital Star Rewards 3-star discount. Effective July 1 - September 30, 2024.
Home Equity Loans Learn More
| Term | Rate |
|---|---|
| PROMO: No Fee Fixed Home Equity | 5.70%* |
| Up to 60 Months | 5.99% |
| 61 - 120 Months | 6.24% |
| 121 - 180 Months | 6.74% |
*APR=Annual Percentage Rate. All loans subject to credit approval. 5.70% 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 offer is $15,000.00. Estimated monthly payment of $10.96 per $1,000 borrowed at 5.70% 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. Promotion subject to change and may be discontinued at any time. Effective March 22 - September 30, 2024.
Home Equity Line of Credit Learn More
| Term | Rate |
|---|---|
| 120 Months | 9.00% |
Credit Cards Learn More
| Types | Rate |
|---|---|
| VISA Business Rewards Promo: 0% Interest on Balance Transfers and Purchases for 12 months | 15.24% to 18.00% |
| Visa Platinum Credit Card (Introductory Rate) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 13.24% to 18.00% |
| VISA Signature Rewards | 15.24% to 18.00% |
| VISA Secured | 18.00% |
| VISA Business Rewards | 15.24% to 18.00% |
*APR = Annual Percentage Rate. 0.00% Promotional rate for the first 12 billing cycles on purchases and balance transfers with new Visa Business Rewards Credit Card. No annual fee. No balance transfer fee. The standard variable APR for purchases: 15.24% to 18.00%, based on creditworthiness. Cash Advance variable APR: 15.24% - 18.00%. APRs in effect as of 03/31/2024. 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. Balance transfer rate and purchase promotion applies to new cardholders only. To receive the promotional Balance Transfer Rate all transactions must post within 90 days of account opening. Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Offer valid April 1, 2024 – December 31, 2024.