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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of January 1, 2022. Fees may reduce earnings.

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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+ 0.25% 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.

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
0.150% 0.150%

First Money Market Learn More

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%

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 0.099% 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%

Share Certificates Learn More

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

Auto Loans Learn More

Type Term Rate
PROMO: Swap & Drop 72 Months 1.99%*
New Vehicles 48 Months 2.49%
New Vehicles 60 Months 2.49%
New Vehicles 72 Months 2.74%
New Vehicles 84 Months 3.74%
Used Vehicles 48 Months 2.49%
Used Vehicles 60 Months 3.09%
Used Vehicles 72 Months 3.74%
Used Vehicles 84 Months 4.74%
New and Used RVs and Boats 60 Months 5.24%
New and Used RVs and Boats 72 Months 5.49%
New and Used RVs and Boats 120 Months 6.24%
New Off-Road Vehicles 48 Months 8.99%
Used Off-Road Vehicles 48 Months 9.74%
*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 1.99% on terms up to 72-months OR 2.99% on terms from 73-84 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 $14.75 per $1,000 borrowed at 1.99% for 72 months. Estimated monthly payment of $13.21 per $1,000 borrowed at 2.99% for 84 months. Maximum loan to value of 115%. Model year must be 2015 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, 2022.

Personal Loans Learn More

Type Rate
Personal Loan 7.49%
First Line (Line of Credit) 5.25% 

Home Equity Loans Learn More

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%

Credit Cards Learn More

Types Rate
PROMO: 0%* Balance Transfer for up to 15 months, No Balance Transfer Fee  
Visa Platinum Credit Card (Introductory Rate) 2.99%
Visa Platinum Credit Card (After Introductory Rate) 7.99% to 15.99%
VISA Signature Rewards 9.99% to 17.99%
VISA Secured 13.99%
PROMO: 0%**on PURCHASES for up to 12 months
VISA Business Rewards
9.99% to 17.99%

 

*APR=Annual Percentage Rate. 15 Month 0.00% Promotional rate on balance transfers for new and existing Visa Signature Rewards or Visa Platinum credit cards. No annual fee. No balance transfer fee. The standard variable APR for purchases: 7.99% - 17.99%, based on your creditworthiness and card type. Cash Advance variable APR: 7.99% - 17.99% based on your credit worthiness, qualifications and card type. All APRs in effect as of 12/1/2021. 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 New cards, the balance transfer rate of 0% starts at the date of account opening (Ex. If card opened 2/1/2022 and balance transfer is conducted 3/1/2022, borrower will receive 14 months at 0%.). For existing cardholders, the balance transfer rate of 0% starts 1/1/2022 (Ex. If balance transfer is conducted on 2/1/2022, borrower will receive 14 months at 0%.). Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Effective January 1 - March 31, 2022.
 
**APR=Annual Percentage Rate. 0.00% Promotional rate for the first 12 billing cycles on purchases on the Business Rewards card. No annual fee. No balance transfer fee. The standard variable APR for purchases: 9.99% - 17.99%, based on your creditworthiness and card type. Cash Advance variable APR: 9.99% - 17.99% based on your credit worthiness, qualifications and card type. All APRs in effect as of 12/01/2021. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. 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 payoff existing First Capital loans. Valid on New Business Rewards cards, opened between 1/1/2022-3/31/2022, only. For new credit card accounts opened between 1/1/2022 and 3/31/2022, to receive the promotional purchase rate, all transactions must be posted within 12 months of new credit card opening. Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Effective January 1 - March 31, 2022.