APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of July 1, 2025. 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 | 0.249% | 0.25% |
| $10,000+ | 0.149% | 0.15% |
| 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 | 3.928% | 4.000% |
| 18 Months | 3.687% | 3.750% |
| 24 Months | 3.445% | 3.500% |
| 30 Months | 2.959% | 3.000% |
| 36 Months | 2.959% |
3.000% |
| 48 Months | 2.959% | 3.000% |
| 60 Months | 2.959% | 3.000% |
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 | 3.928% | 4.000% |
| 24 Months | 3.445% | 3.500% |
| 30 Months | 2.959% | 3.000% |
| 36 Months | 2.959% | 3.000% |
| 48 Months | 2.959% | 3.000% |
| 60 Months | 2.959% | 3.000% |
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 Month Step-Up | 3.445% | 3.500% |
| 24 Month IRA Step-Up | 3.445% | 3.500% |
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 | 3.445% | 3.500% |
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: WE LIGHT THE WAY TO YOUR NEW RIDE |
UP TO 72 MONTHS |
4.99%* |
| New Vehicles | 48 Months | 4.74% |
| New Vehicles | 60 Months | 5.49% |
| New Vehicles | 72 Months | 5.99% |
| New Vehicles | 84 Months | 6.24% |
| Used Vehicles | 48 Months | 5.00% |
| Used Vehicles | 60 Months | 5.74% |
| Used Vehicles | 72 Months | 6.39% |
| Used Vehicles | 84 Months | 6.59% |
| 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 2022 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 automobile and motorcycle purchases only. Maximum Loan to Value (LTV) on 72 Month Term will be 115% and the 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 the FirstCapital Star Rewards 3-star discount. Effective July 1 - September 30, 2025.
Personal Loans Learn More
| Type | Rate |
|---|---|
| PROMO: VACATION LOAN | 6.99%* |
| Personal Loan | 9.99% |
| First Line (Line of Credit) | 9.50% |
*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 the FirstCapital Star Rewards 3-star discount. Effective July 1 - September 30, 2025.
Home Equity Loans Learn More
| Term | Rate |
|---|---|
| Up to 60 Months | 5.74% |
| 61 - 120 Months | 5.99% |
| 121 - 180 Months | 6.49% |
Home Equity Line of Credit Learn More
| Term | Rate |
|---|---|
| 120 Months | 8.00% |
Credit Cards Learn More
| Types | Rate |
|---|---|
| PROMO: NO FEE BALANCE TRANSFERS & PAY 0% FOR 12 MONTHS | 0.00%* FOR 12 MONTHS ON BALANCE TRANSFERS |
| Visa Platinum Credit Card (Introductory Rate) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 12.24% to 18.00% |
| VISA Signature Rewards | 14.24% to 18.00% |
| VISA Secured | 18.00% |
| VISA Business Rewards | 14.24% to 18.00% |
*APR=Annual Percentage Rate. 12 Month 0.00% Promotional rate on balance transfers for new and existing Visa Platinum credit cards. No annual fee. No balance transfer fee. The standard variable APR for purchases: 12.24% - 18.00%, based on your creditworthiness and card type. Cash Advance variable APR: 12.24% - 18.00% based on your credit worthiness, qualifications and card type. All APRs in effect as of 02/01/2025. 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 existing members, the balance transfer must post within the promotional period. Promotional period will expire 12 months from date of first balance transfer. Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Effective April 1 - September 30, 2025.