*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 Promotion subject to change or may be withdrawn at any time.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.
The official rules are found here!
*APR=Annual Percentage Rate. Qualifying purchases must be made on or before December 31, 2024, to qualify for the 10X bonus reward points. 10 rewards points (1 base point plus 9 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) on gas and grocery purchases (Merchant Codes- 5411 and 5542). Purchases not processed using the codes for VISA mentioned above will not qualify for bonus points. First Capital Federal Credit Union does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts. One rewards point will be earned per $1 spent on other non-qualifying net purchases during the promotional period and on all purchases after December 31, 2024. Minimum purchase amount of $1.00. ATM transactions, cash advances of any kind, balance transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Standard variable APR for Purchase, Balance Transfer & Cash Advance: 15.24% - 18.00% based on credit worthiness. All APRS in effect as of 08/1/2024. The Annual Percentage Rate is subject to change on the first day of the billing cycle quarterly to reflect any change in the index (Wall Street Journal Prime) and will be determined by the Prime Rate on the first day of each quarter (January, April, July, and October). Cash Advance Fee: greater of 2% or $10. No Annual Fee. No Balance Transfer Fee. Minimum Finance Charge: $0.50. Credit Approval required. VISA is a registered trademark of Visa International Service Association and used under license. Promotion subject to change or may be withdrawn at any time. Offer valid on new and existing First Capital Federal Credit Union VISA Signature Rewards credit cards. Effective October 1 - December 31, 2024.
*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 without direct deposit and up to 2.25% reduction on current financed vehicle interest with direct deposit. Rate will not go below 4.99% on terms up to 84- months. 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 $14.14 per $1,000 borrowed at 4.99% for 84 months. Maximum loan to value of 115% on terms up to 72 Month Term. Maximum loan to value of 100% on 73-84 Month Term. LTV will be determined by the applicant credit qualifications. Model year must be 2018 or newer. New money only, cannot be used on existing First Capital Federal Credit Union loans. Cannot be combined with any other offer. Effective October 1 – December 31, 2024.
Click here for the form.
You must print the form, sign it, then turn it in at one of our branches.
Emailed copies will not be accepted.
*APR=Annual Percentage Rate. All loans subject to credit approval. Rates, terms, and conditions are subject to change at any time and may vary based on credit worthiness, qualification, and collateral conditions. Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans. 680 credit score and above. Estimated monthly payment of $86.07 per $1,000.00 borrowed @ 5.99% APR for 12 months. Minimum loan amount is $500.00, maximum loan amount is $5,000.00. Cannot be combined with any other offer other than the 3-star discount. Effective October 1 – December 31, 2024.
For our 70th Anniversary, we’re upping the ante and making it even easier to make a quick $70. Refer your friends, co-workers, or family to First Capital and if they open a membership with an average daily balance of $250 for 60 days...we’ll give you both 70 bucks!
All you have to do is fill out the form and turn it in at any branch when you open your membership. If you open your account online, you must use the promo code FRIEND70 + Referring Member's FULL Name to get credit for being referred.*
*Membership Eligibility applies. Membership is open to people who work or volunteer for a company affiliated with First Capital Federal Credit Union. Membership is also open to immediate family members (spouse, parent, child, sibling, grandparent or grandchild) of a current member, as well as persons living within the same residence. Membership eligibility to be determined at time of account opening. A referred member cannot be an existing primary or joint owner of an account at First Capital. Membership share account required; $5 minimum opening deposit and $1.00 membership fee. Offer is only valid on new qualified memberships that open a share savings and/or checking account and deposit at least $250. The account must
maintain an average daily balance of $250 for 60 days to be eligible for the referral reward. If opening online, use the promo code FRIEND70 and referring member’s full name to qualify for the referral reward. $70 referral rewards will be deposited to both the new member and referring member’s share savings account the first business day of the month after your membership has been open for 60 days. Referral reward may be reported to the IRS for tax purposes. This offer cannot be combined with any other offer. Account must be open and in good standing at the time of qualification to receive the referral reward. First Capital Federal Credit Union Employees and Credit Union volunteers are not eligible. Refer-a-Friend promo effective January 1, 2024. Promotion may be discontinued at any time. Federally Insured by NCUA.