Skip to content

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of February 1, 2024. Fees may reduce earnings.

View Deposit Account Rates

View Loan Rates


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 2.959% 3.000%
12 Months 4.409% 4.500%
18 Months 4.169% 4.250%
24 Months 4.888% 5.000%*
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 4.888% 5.000%*
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 4.888% 5.000%*

*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.

Youth Add-On

Term Dividend Rate APY
24 Months 4.888% 5.000%*

*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.


Loan Rates

Auto Loans Learn More

Type Term Rate
PROMO: Swap 'N Drop

84 Months

5.70%

New Vehicles 48 Months 6.24%
New Vehicles 60 Months 6.49%
New Vehicles 72 Months 6.74%
New Vehicles 84 Months 7.49%
Used Vehicles 48 Months 6.49%
Used Vehicles 60 Months 6.49%
Used Vehicles 72 Months 7.24%
Used Vehicles 84 Months 7.99%
New and Used RVs and Boats 60 Months 8.74%
New and Used RVs and Boats 72 Months 8.99%
New and Used RVs and Boats 120 Months 9.74%
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 conditions. Up to a 2% reduction on a current financed vehicle interest rate. Rate will not go below 5.70% on terms up to 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 $14.47 per $1,000 borrowed at 5.70% for 84 months. Maximum loan to value of 115% on 72 Month Term. Maximum loan to value of 100% on 73-84 Month Term. LTV will be determined by the applicant credit qualifications. Model year must be 2017 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, 2024.

Personal Loans Learn More

Type Rate
PROMO: Debt Consolidation Loan 8.70%*
Personal Loan 9.99%
First Line (Line of Credit) 10.50% 
*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 and qualifications. 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 $45.55 per $1,000.00 borrowed @ 8.70% APR for 24 months. Minimum loan amount is $500.00, maximum loan amount is $7,000.00. Cannot be combined with any other offer other than the 3-star discount. Effective January 1 – March 31, 2024.

Home Equity Loans Learn More

Term Rate
Up to 60 Months 6.24%
61 - 120 Months 6.49%
121 - 180 Months 6.99%

Home Equity Line of Credit Learn More

Term Rate
120 Months 9.00%

Credit Cards Learn More

Types Rate
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%