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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of January 1, 2019. Fees may reduce earnings.
| 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:
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% |
| 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:
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 | 0.15% | 0.15% |
| $2,500+ | 0.25% | 0.25% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.15% | 0.15% |
| $2,500+ | 0.25% | 0.25% |
| Dividend Rate | APY |
|---|---|
| 0.40% | 0.40% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999.99 | 0.249% | 0.250% |
| $5,000 - $14,999.99 | 0.349% | 0.350% |
| $15,000 - $49,999.99 | 0.399% | 0.400% |
| $50,000 - $99,999.99 | 0.598% | 0.600% |
| $100,000 + | 0.797% | 0.800% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.15% | 0.15% |
| $2,500+ | 0.25% | 0.25% |
| 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% |
| Dividend Rate | APY |
|---|---|
| 0.10% | 0.10% |
| Share Type | Minimum Opening Balance | Minimum Balance to Avoid Fees | Rate % | Yield % |
|---|---|---|---|---|
| Business Savings | $5 | $500 | 0.200% | 0.200% |
| Business All-Purpose Share | $5 | $500 | 0.200% | 0.200% |
| Business Savings Non-Profit | $5 | $100 | 0.200% | 0.200% |
| Business All-Purpose Share Non-Profit | $5 | $100 | 0.200% | 0.200% |
| Business Draft $0 - $2,499.99 | $0 | $500 | 0.150% | 0.150% |
| Business Draft $2,500+ | $0 | $500 | 0.250% | 0.250% |
| Business Draft Non-Profit $0 - $2,499.99 | $0 | $100 | 0.150% | 0.150% |
| Business Draft Non-Profit $2,500+ | $0 | $100 | 0.250% | 0.250% |
| Capital MMA $0 - $999.99 | $0 | $1,000 | 0.000% | 0.000% |
| Capital MMA $1,000 - $4,999.99 | $0 | $1,000 | 0.249% | 0.250% |
| Capital MMA $5,000 - $14,999.99 | $0 | $1,000 | 0.349% | 0.350% |
| Capital MMA $15,000 - $49,999.99 | $0 | $1,000 | 0.399% | 0.400% |
| Capital MMA $50,000 - $99,999.99 | $0 | $1,000 | 0.598% | 0.600% |
| Capital MMA $100,000 + | $0 | $1,000 | 0.797% | 0.800% |
| Term | Dividend Rate | APY |
|---|---|---|
| 90 Days | 0.598% | 0.600% |
| 6 Months | 0.697% | 0.700% |
| 12 Months | 0.896% | 0.900% |
| *16 Months | 2.462% | 2.490%* |
| 18 Months | 0.945% | 0.950% |
| 24 Months | 1.242% | 1.250% |
| 30 Months | 1.292% | 1.300% |
| 36 Months | 1.489% | 1.500% |
| 48 Months | 1.883% | 1.900% |
| 60 Months | 1.981% | 2.000% |
*APY=Annual Percentage Yield. 2.49% effective as of November 15, 2018 for a 16-month Regular or IRA Certificate; subject to change at any time. Minimum deposit $500-$1000, maximum $100,000 per membership. This 16-month term certificate will automatically renew as a 12-month term certificate at the current rate in existence at the time of the certificate renewal. Offer cannot be combined with any other offer other than the 3-star rate increase. If a member is not a 3-star member at the time of renewal, the certificate will renew at the standard rate. Penalty for early withdrawal; fees could reduce earnings. If the certificate is redeemed within 7 days of renewal, no penalty will apply. Available November 15 - January 31, 2019 to consumer members. Other restrictions may apply.
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| Term | Dividend Rate | APY |
|---|---|---|
| 12 Months | 0.896% | 0.900% |
| *16 Months | 2.462% | 2.490%* |
| 24 Months | 1.242% | 1.250% |
| 30 Months | 1.292% | 1.300% |
| 36 Months | 1.489% | 1.500% |
| 48 Months | 1.883% | 1.900% |
| 60 Months | 1.981% | 2.000% |
*APY=Annual Percentage Yield. 2.49% effective as of November 15, 2018 for a 16-month Regular or IRA Certificate; subject to change at any time. Minimum deposit $500-$1000, maximum $100,000 per membership. This 16-month term certificate will automatically renew as a 12-month term certificate at the current rate in existence at the time of the certificate renewal. Offer cannot be combined with any other offer other than the 3-star rate increase. If a member is not a 3-star member at the time of renewal, the certificate will renew at the standard rate. Penalty for early withdrawal; fees could reduce earnings. If the certificate is redeemed within 7 days of renewal, no penalty will apply. Available November 15 - January 31, 2019 to consumer members. Other restrictions may apply.
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| Term | Dividend Rate | APY |
|---|---|---|
| 24 Months | 1.242% | 1.250% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| Term | Dividend Rate | APY |
|---|---|---|
| 24 Months | 1.242% | 1.250% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| *Promo: Swap & Drop! | Up to 72 Months | Rates as low as 3.24% |
|---|---|---|
| Type | Term | Rate |
| New Vehicles | 48 Months | 3.24% |
| New Vehicles | 60 Months | 3.49% |
| New Vehicles | 72 Months | 3.99% |
| New Vehicles | 84 Months | 4.24% |
| Used Vehicles | 48 Months | 3.34% |
| Used Vehicles | 60 Months | 3.59% |
| Used Vehicles | 72 Months | 3.99% |
| Used Vehicles | 84 Months | 4.74% |
| 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% |
| *Promo: Consolidation Loan | Rates as low as 6.50%, 24-month term |
|---|---|
| Type | Rate |
| Personal Loan | 9.50% |
| First Line (Line of Credit) | 7.50% |
| Term | Rate |
|---|---|
| Up to 60 Months | 4.49% |
| 61 - 120 Months | 4.99% |
| 121 - 180 Months | 5.24% |
| Term | Rate |
|---|---|
| 120 Months | 6.00% |
|
**Promo: Business Rewards $365 Cash Back Offer 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.
**Visa Business Rewards: The $365 cash back reward will be deposited into your First Capital FCU Business Share account 30 days after the qualifying purchase period ends. To be eligible to receive the cash back reward, you must charge $3,500 in eligible purchases*** during the first 3 months of card membership. Some purchases may fall outside of the 3-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. Limit one new card per account. If we, in our sole discretion, determine that you cancel or return purchases you made to meet the cash back reward amount, we may not credit the reward or we may take away credits from your account. Late payments will cause ineligibility for the cash back reward. Offer is not valid to pay off existing First Capital loans. First Capital reserves the right to modify or withdraw this offer at any time. Effective January 1 – March 31, 2019.
***Eligible purchases are defined as purchases made with the Visa Business Rewards Credit Card at a merchant for goods or services. Balance transfers do not apply.
