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 |
0.150% |
0.150% |
| $2,500+ |
0.150% |
0.150% |
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 |
0.150% |
0.150% |
| $2,500+ |
0.150% |
0.150% |
| Dividend Rate |
APY |
| 0.200% |
0.200% |
| 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 |
0.149% |
0.150% |
| $50,000 - $99,999.99 |
0.199% |
0.200% |
| $100,000 + |
0.299% |
0.300% |
Christmas & Vacation Club
Learn More
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 |
0.150% |
0.150% |
| $2,500+ |
0.150% |
0.150% |
| Balance |
Dividend Rate |
APY |
| $0 - $2,499.99 (Bump) |
0.300% |
0.300% |
| $2,500+ (Bump) |
0.400% |
0.400% |
| $0 - $2,499.99 (Standard) |
0.200% |
0.200% |
| $2,500+ (Standard) |
0.300% |
0.300% |
| Dividend Rate |
APY |
| 0.100% |
0.100% |
Business Share Accounts
Learn More
| Share Type |
Minimum Opening Balance |
Minimum Balance to Avoid Fees |
Rate % |
Yield % |
| Business Savings |
$5 |
$500 |
0.150% |
0.150% |
| Business All-Purpose Share |
$5 |
$500 |
0.150% |
0.150% |
| Business Savings Non-Profit |
$5 |
$100 |
0.150% |
0.150% |
| Business All-Purpose Share Non-Profit |
$5 |
$100 |
0.150% |
0.150% |
Business Draft Account
| Balance |
Minimum Opening Balance |
Minimum Balance to Avoid Fees |
Rate % |
Yield % |
| $0 - $2,499.99 |
$0 |
$500 |
0.150% |
0.150% |
| $2,500+ |
$0 |
$500 |
0.150% |
0.150% |
| $0 - $2,499.99 (Non-Profit) |
$0 |
$100 |
0.150% |
0.150% |
| $2,500+ (Non-Profit) |
$0 |
$100 |
0.150% |
0.150% |
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 |
0.149% |
0.150% |
| $50,000 - $99,999.99 |
$0 |
$1,000 |
0.199% |
0.200% |
| $100,000 + |
$0 |
$1,000 |
0.299% |
0.300% |
| Term |
Dividend Rate |
APY |
| 90 Days |
0.249% |
0.250% |
| 6 Months |
0.299% |
0.300% |
| 12 Months |
0.449% |
0.450% |
| 18 Months |
0.449% |
0.450% |
| 24 Months |
0.548% |
0.550% |
| 30 Months |
0.548% |
0.550% |
| 36 Months |
0.598% |
0.600%
|
| 48 Months |
0.697% |
0.700% |
| 60 Months |
0.797% |
0.800% |
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 |
0.449% |
0.450% |
| 24 Months |
0.548% |
0.550% |
| 30 Months |
0.548% |
0.550% |
| 36 Months |
0.598% |
0.600% |
| 48 Months |
0.697% |
0.700% |
| 60 Months |
0.797% |
0.800% |
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 |
0.548% |
0.550% |
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 |
0.548% |
0.550% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Loan Rates
| Type |
Term |
Rate |
| FREEDOM CHECK PROMO |
72 Months |
1.99%* |
| New Vehicles |
48 Months |
2.99% |
| New Vehicles |
60 Months |
3.24% |
| New Vehicles |
72 Months |
3.49% |
| New Vehicles |
84 Months |
3.99% |
| Used Vehicles |
48 Months |
2.99% |
| Used Vehicles |
60 Months |
3.34% |
| Used Vehicles |
72 Months |
3.99% |
| Used Vehicles |
84 Months |
4.99% |
| New and Used RVs and Boats |
60 Months |
5.74% |
| New and Used RVs and Boats |
72 Months |
5.99% |
| New and Used RVs and Boats |
120 Months |
6.74% |
| 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. Estimated monthly payment of $14.75 per $1,000.00 borrowed at 1.99% for 72 months. 640 credit score and above. Financing up to 115% of value, with a maximum term of 72 months. Offer is for dealer purchases only and limited to 2018 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, 2020.
| Type |
Rate |
| HOLIDAY LOAN PROMO |
4.99%* |
| Personal Loan |
7.49% |
| First Line (Line of Credit) |
5.25% |
*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 $85.61 per $1,000.00 borrowed at 4.99% 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, 2020.
| Term |
Rate |
| Up to 60 Months |
3.49% |
| 61 - 120 Months |
3.99% |
| 121 - 180 Months |
4.49% |
Home Equity Line of Credit
Learn More
| Term |
Rate |
| 120 Months |
3.75% |
* Qualifying purchases must be made on or before December 31, 2020 to qualify for the 10x bonus reward points. 10 rewards points (1 base point plus 9 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at Amazon.com (MCC Codes- Book Store and Lrg. Digital Good Merch). 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. 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, 2020. 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: 9.99% - 17.99% based on credit worthiness. All APRs in effect as of 09/01/2020. 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. Offer valid on new and existing First Capital Federal Credit Union VISA Signature Rewards and VISA Business Rewards cards. Effective October 1 - December 31, 2020.
