APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 1, 2026. Fees may reduce earnings.
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 | 0.249% | 0.25% |
| $10,000+ | 0.149% | 0.15% |
| 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 | 1.98% | 2.00% |
| 6 Months | 2.96% | 3.00% |
| 12 Months | 3.69% | 3.75% |
| 18 Months | 3.45% | 3.50% |
| 24 Months | 3.20% | 3.25% |
| 30 Months | 2.72% | 2.75% |
| 36 Months | 2.72% |
2.75% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.72% | 2.75% |
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 | 3.687% | 3.750% |
| 24 Months | 3.202% | 3.250% |
| 30 Months | 2.715% | 2.750% |
| 36 Months | 2.715% | 2.750% |
| 48 Months | 2.471% | 2.500% |
| 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 Month Step-Up | 3.20% | 3.25% |
| 24 Month IRA Step-Up | 3.202% | 3.250% |
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 | 3.202% | 3.250% |
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 (as low as) |
|---|---|---|
| PROMO: YOUR KEYS. YOUR CAR. YOUR FREEDOM. |
UP TO 72 MONTHS |
3.99%* |
| New Vehicles | 48 Months | 4.49% |
| New Vehicles | 60 Months | 5.24% |
| New Vehicles | 72 Months | 5.49% |
| New Vehicles | 84 Months | 5.99% |
| Used Vehicles | 48 Months | 4.75% |
| Used Vehicles | 60 Months | 5.49% |
| Used Vehicles | 72 Months | 5.74% |
| Used Vehicles | 84 Months | 6.14% |
| New and Used RVs and Boats | 60 Months | 5.99% |
| New and Used RVs and Boats | 72 Months | 6.74% |
| New and Used RVs and Boats | 120 Months | 7.74% |
| 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 requirements. 3.99% APR up to 72 Months OR 4.99% up to 84 Months on 2023 Model Year or newer. Minimum loan amount for this offer is $20,000.00. Minimum credit score of 650. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Valid on automobile and motorcycle purchases only. Maximum Loan to Value (LTV) on 72 Month Term will be 115% and the 84 Month Term will be 100%. Additional restrictions may apply. Estimated monthly payment of $15.65 per $1,000.00 borrowed at 3.99% APR for 72 months. Estimated monthly payment of $14.14 per $1,000.00 borrowed at 4.99% APR for 84 months. Cannot be combined with any other offer other than the FirstCapital Star Rewards® 3-star discount. Effective April 1 - June 30, 2026. Federally Insured by NCUA.
Personal Loans Learn More
| Type | Term | Rate |
|---|---|---|
| Personal Loan | 8.74% | |
| First Line (Line of Credit) | 8.75% |
Home Equity Loans Learn More
| Term | Rate |
|---|---|
| PROMO: LOVE WHERE YOU LIVE NO FEE, FIXED HOME EQUITY |
5.25% APR* |
| Up to 60 Months | 5.49% |
| 61 - 120 Months | 5.74% |
| 121 - 180 Months | 6.24% |
*APR=Annual Percentage Rate. All loans subject to credit approval. 5.25% APR applies to Fixed Home Equity loans for terms up to 120 months. Minimum credit score of 650 to receive promotional rate. Maximum loan to value (LTV) not to exceed 80%. Minimum loan amount to qualify for this rate offer is $15,000.00. Estimated monthly payment of $10.74 per $1,000 borrowed at 5.25% for 120 months. First Capital Federal Credit Union will pay all appraisal and closing costs. Additional fees may apply. Property insurance required. Flood insurance may be required. Consult your tax advisor on possible tax benefits. Owner-occupied primary residence only and must be in first or second lien position. First Capital Federal Credit Union reserves the right to end this promotion at any time. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Certain additional restrictions may apply. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral requirements. Other home loan products, rates, and terms are available. Cannot be combined with any other offer other than the FirstCapital Star Rewards® 3-star discount. Effective April 1- June 30, 2026. Federally Insured by NCUA. Equal Housing Lender.
Home Equity Line of Credit Learn More
| Term | Rate |
|---|---|
| 120 Months | 7.25% |
Credit Cards Learn More
| Types | Rate |
|---|---|
| Visa Platinum Credit Card (Introductory Rate) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 11.49% to 18.00% |
| VISA Signature Rewards | 13.49% to 18.00% |
| VISA Secured | 17.49% |
| VISA Business Rewards | 13.49% to 18.00% |