Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 1, 2024. 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+ 0.15% 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
0.250% 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 2.959% 3.000%
6 Months 3.445% 3.500%
12 Months 4.409% 4.500%
18 Months 4.888% 5.000%
24 Months 4.169% 4.250%*
30 Months 2.959% 3.000%
36 Months 2.959%

3.000%
48 Months 2.959% 3.000%
60 Months 2.959% 3.000%

*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.

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 4.409% 4.500%
24 Months 4.169% 4.250%*
30 Months 2.959% 3.000%
36 Months 2.959% 3.000%
48 Months 2.959% 3.000%
60 Months 2.959% 3.000%

*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.

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 4.169% 4.250%*

*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.

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 4.169% 4.250%*

*APY = Annual Percentage Yield. Limited-Time Offer. This promo may be pulled at any time.

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: 70 Days No Payments

84 Months

5.70%
New Vehicles 48 Months 4.99%
New Vehicles 60 Months 6.49%
New Vehicles 72 Months 6.74%
New Vehicles 84 Months 7.49%
Used Vehicles 48 Months 5.25%
Used Vehicles 60 Months 6.49%
Used Vehicles 72 Months 7.24%
Used Vehicles 84 Months 7.99%
New and Used RVs and Boats 60 Months 8.74%
New and Used RVs and Boats 72 Months 8.99%
New and Used RVs and Boats 120 Months 9.74%
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. 5.70% APR up to 84 Months. Valid on vehicle model year 2021 or newer. No payments for up to the first 70 days. Interest will accrue for the first 70 days and throughout selected loan term. Minimum loan amount for this offer is $25,000.00. Minimum credit score of 640. Purchase money only. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. Certain additional restrictions may apply. Estimated monthly payment of $14.47 per $1,000.00 borrowed at 5.70% APR for 84 months. Cannot be combined with any other offer other than the 3-star discount. Promotion subject to change and may be discontinued at any time. Effective April 1, 2024 through June 30, 2024.

Personal Loans Learn More

Type Rate
Personal Loan 9.99%
First Line (Line of Credit) 10.50% 

Home Equity Loans Learn More

Term Rate
PROMO: No Fee Fixed Home Equity 5.70%*
Up to 60 Months 6.24%
61 - 120 Months 6.49%
121 - 180 Months 6.99%
*APR=Annual Percentage Rate. All loans subject to credit approval. 5.70% APR applies to Fixed Home Equity loans for terms up to 120 months. Minimum credit score of 640 to receive promotional rate. Maximum loan to value (LTV) not to exceed 80%. Minimum loan amount to qualify for this offer is $15,000.00. Estimated monthly payment of $10.96 per $1,000 borrowed at 5.70% 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 3-star discount. Promotion subject to change and may be discontinued at any time. Effective March 17 - June 30, 2024.

Home Equity Line of Credit Learn More

Term Rate
120 Months 9.00%

Credit Cards Learn More

Types Rate
VISA Business Rewards Promo: 0% Interest on Balance Transfers and Purchases for 12 months 15.24% to 18.00%
Visa Platinum Credit Card (Introductory Rate) 2.99%
Visa Platinum Credit Card (After Introductory Rate) 13.24% to 18.00%
VISA Signature Rewards 15.24% to 18.00%
VISA Secured 18.00%
VISA Business Rewards 15.24% to 18.00%

 

*APR = Annual Percentage Rate. 0.00% Promotional rate for the first 12 billing cycles on purchases and balance transfers with new Visa Business Rewards Credit Card. No annual fee. No balance transfer fee. The standard variable APR for purchases: 15.24% to 18.00%, based on creditworthiness. Cash Advance variable APR: 15.24% - 18.00%. APRs in effect as of 03/31/2024. 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. Balance transfer rate and purchase promotion applies
to new cardholders only. To receive the promotional Balance Transfer Rate all transactions must post within 90 days of account opening. Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Offer valid April 1, 2024 – December 31, 2024.