Rates

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.

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.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.

*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. 640 credit score and above required to take advantage of the promotional rate of 2.99%. Financing up to 115% of value, with a maximum term of 72 months. Offers are for vehicle purchases only and limited to 2012 or newer makes/models. Valid on new money only, cannot be used to refinance an existing First Capital FCU loan. Estimated monthly payment of $15.20 per $1,000.00 borrowed at 2.99% APR for 72 months. Estimated payment does not reflect the optional 90 Days no payment. Cannot be combined with any other offer other than the 3-star discount. Interest and Debt Protection premiums will accrue for the first 90 days and throughout selected loan term. First Capital FCU reserves the right to end this promotional rate at any time. Effective October 1 - December 31, 2019.

**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. Estimated monthly payment of $13.52 per $1,000.00 borrowed at 3.65% APR for 84 months. 2016 model year or newer, with a minimum credit score of 640. LTV up to 110%. Minimum loan amount is $25,000. Valid on purchases and refinance only, not available for debt consolidation. New money only, cannot be used to refinance an existing First Capital Federal Credit Union loan. Cannot be combined with any other offer other than the 3-star discount. Effective for applications taken October 17, 2019 only. Applications may be completed online, over the phone, or in person at a local First Capital Federal Credit Union branch.

*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, qualification, and collateral conditions. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Estimated monthly payment of $86.31 per $1,000.00 borrowed @ 6.50% 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, 2019.

*Visa Platinum: Based on creditworthiness. The APR will vary with the market based on the Prime Rate. Introductory purchase rate of 2.99% APR for first 6 months. After 6 months, 9.74% to 17.74% APR. Introductory balance transfer rate of 2.99% APR for first 15 months. After 15 months, 9.74% to 17.74% APR.

**Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for VISA is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways. Gas: gas stations and automated fuel dispensers (gas purchases at warehouse and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers). Dining: eating places and restaurants, drinking places, or fast food restaurants (caterers, bakeries, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). Purchases not processed using the codes for VISA mentioned above will not qualify for bonus points. First Capital Federal Credit Union does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Qualifying purchases must be made on or before December 31, 2019 to qualify for the 3x bonus reward points. One rewards point will be earned per $1 spent on other non-qualifying net purchases during the promotional period and on all purchases after December 31, 2019. ATM transactions, cash advances of any kind, balance transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Standard variable APR for Purchase, Balance Transfer & Cash Advance: 11.74% - 18.00% based on credit worthiness . All APRS in effect as of 10/01/2019. Cash Advance Fee: greater of 2% or $10. No Annual Fee. No Balance Transfer Fee. Minimum Finance Charge: $0.50. Credit Approval required. VISA is a registered trademark of Visa International Service Association and used under license. Promotion subject to change or may be withdrawn at any time. Effective October 1 - December 31, 2019.