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: Freedom Check |
72 Months |
1.99%* |
| New Vehicles |
48 Months |
1.99% |
| New Vehicles |
60 Months |
2.24% |
| New Vehicles |
72 Months |
2.49% |
| New Vehicles |
84 Months |
3.49% |
| Used Vehicles |
48 Months |
1.99% |
| Used Vehicles |
60 Months |
2.84% |
| Used Vehicles |
72 Months |
3.49% |
| Used Vehicles |
84 Months |
4.49% |
| New and Used RVs and Boats |
60 Months |
4.24% |
| New and Used RVs and Boats |
72 Months |
4.49% |
| New and Used RVs and Boats |
120 Months |
5.24% |
| 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. 1.99% for up to 72 months on new vehicles. New Vehicle is defined as 2020-2022 AND never been titled. 2.49% for up to 72 months on used vehicles, 2017 model year or newer. Estimated monthly payment of $14.75 on $1,000.00 borrowed at 1.99% for 72 Months. Estimated monthly payment of $14.97 on $1,000.00 borrowed at 2.49% for 72 Months. 640 credit score and above. LTV will be based on credit and term selected, maximum LTV of 115%. Offers are for dealer purchases only and limited to 2017 or newer makes/models. Minimum loan amount of $15,000. Cannot be combined with any other offer other than the 3-star discount. Effective October 1 - December 31, 2021.
| Type |
Rate |
| PROMO: Holiday Loan |
3.99% APR* |
| Personal Loan |
7.49% |
| First Line (Line of Credit) |
5.25% |
*APR=Annual Percentage Rate. All loans subject to credit approval. 3.99% APR for a Personal Unsecured Loan for up to a 12-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. 640 credit score and above. Estimated monthly payment of $85.15 per $1,000.00 borrowed at 3.99% APR for 12 months. Minimum loan amount is $500.00, maximum loan amount is $5,000.00. Cannot be combined with any other offer other than the 3-star discount. Effective October 1 - December 31, 2021.
| 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% |
