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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of May 1, 2019. 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+ 0.25% 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 0.15% 0.15%
$2,500+ 0.25% 0.25%

All-Purpose Account Learn More

Balance Dividend Rate APY
$0 - $2,499.99 0.15% 0.15%
$2,500+ 0.25% 0.25%

IRA Share Learn More

Dividend Rate APY
0.40% 0.40%

First Money Market Learn More

Balance Dividend Rate APY
$1,000 - $4,999.99 0.349% 0.350%
$5,000 - $14,999.99 0.449% 0.450%
$15,000 - $49,999.99 0.498% 0.500%
$50,000 - $99,999.99 0.648% 0.650%
$100,000 + 0.846% 0.850%

Christmas & Vacation Club Learn More

Balance Dividend Rate APY
$0 - $2,499.99 0.15% 0.15%
$2,500+ 0.25% 0.25%

College Club Learn More

Balance Dividend Rate APY
$0 - $2,499.99 (Bump) 0.30% 0.30%
$2,500+ (Bump) 0.40% 0.40%
$0 - $2,499.99 (Standard) 0.20% 0.20%
$2,500+ (Standard) 0.30% 0.30%

Share Draft Account Learn More

Dividend Rate APY
0.10% 0.10%

Business Share Accounts Learn More

Share Type Minimum Opening Balance Minimum Balance to Avoid Fees Rate % Yield %
Business Savings $5 $500 0.20% 0.20%
Business All-Purpose Share $5 $500 0.20% 0.20%
Business Savings Non-Profit $5 $100 0.20% 0.20%
Business All-Purpose Share Non-Profit $5 $100 0.20% 0.20% 

Business Draft Account

Balance Minimum Opening Balance Minimum Balance to Avoid Fees Rate % Yield %
$0 - $2,499.99 $0 $500 0.15% 0.15%
$2,500+ $0 $500 0.25% 0.25%
$0 - $2,499.99 (Non-Profit) $0 $100 0.15% 0.15%
$2,500+ (Non-Profit) $0 $100 0.25% 0.25%

Capital Money Market Learn More

Balance Minimum Opening Balance Minimum Balance to Avoid Fees Rate % Yield %
$0 - $999.99 $0 $1,000 0.00% 0.00%
$1,000 - $4,999.99 $0 $1,000 0.349% 0.350%
$5,000 - $14,999.99 $0 $1,000 0.449% 0.450%
$15,000 - $49,999.99 $0 $1,000 0.498% 0.500%
$50,000 - $99,999.99 $0 $1,000 0.648% 0.650%
$100,000 + $0 $1,000 0.846% 0.850%

Share Certificates Learn More

Term Dividend Rate APY
90 Days 0.846% 0.850%
6 Months 0.945% 0.950%
12 Months 1.489% 1.500%
18 Months 1.932% 1.950%
24 Months 1.736% 1.750%
30 Months 1.785% 1.800%
36 Months 1.981%

2.000%

48 Months 2.618% 2.650%
60 Months 2.715% 2.750%

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 1.489% 1.500%
24 Months 1.736% 1.750%
30 Months 1.785% 1.800%
36 Months 1.981% 2.000%
48 Months 2.618% 2.650%
60 Months 2.715% 2.750%

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 1.736% 1.750%

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 1.736% 1.750%

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
New Vehicles 48 Months 3.49%
New Vehicles 60 Months 3.74%
New Vehicles 72 Months 4.24%
New Vehicles 84 Months 4.49%
Used Vehicles 48 Months 3.59%
Used Vehicles 60 Months 3.84%
Used Vehicles 72 Months 4.24%
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%

Personal Loans Learn More

Type Rate
Personal Loan 9.50%
First Line (Line of Credit) 7.50% 

Home Equity Loans Learn More

Term Rate
Up to 60 Months 4.49%
61 - 120 Months 4.99%
121 - 180 Months 5.24%

Home Equity Line of Credit Learn More

Term Rate
*Promo: Fixed Intro Rate for 24 Months;
NO CLOSING COSTS!
3.65%
120 Months 6.00%

*APR = Annual Percentage Rate. All loans subject to credit approval. 3.65% APR applies for 24 months upon loan closing. After 24-months, any remaining balance plus subsequent advances are subject to a standard variable APR, which is the monthly average of the Six-Month Treasury Bill Rate plus a margin of 3.50% and can adjust quarterly. Rates current as of April 1, 2019. Minimum Loan amount is $10,000. Maximum Loan to Value (LTV) is 80%. First Capital will pay all closing and appraisal costs. Additional fees may apply. Property insurance required; flood insurance may be required. Consult with your tax advisor on possible tax benefits. Applicable to owner-occupied primary residence only in a first or second lien position. Minimum advance of $100. The monthly payment may vary based on loan balance and interest rate fluctuation. First Capital reserves the right to end this promotional rate at any time. New money only. The introductory APR will terminate at the end of the 24- month introductory period, no notice required. Maximum rate cannot exceed 18%. Certain additional restrictions may apply. Other home loan products, rates, and terms available. Offer valid April 1 – June 30, 2019.

Credit Cards Learn More

Credit Card Types Rate
Visa Platinum Credit Card (Introductory Rate*) 2.99%
Visa Platinum Credit Card (After Introductory Rate) 10.24% to 18.00%
VISA Signature Rewards 12.24% to 18.00%
VISA Secured 16.24%
VISA Business Rewards** 12.24% to 18.00%

*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, 10.24% to 18.00% APR. Introductory balance transfer rate of 2.99% APR for first 15 months. After 15 months, 10.24% to 18.00% APR.