*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, qualifications, and collateral conditions. 5.75% APR for up to 84 months on new vehicles. New Vehicle is defined as 2024-2025 AND never been titled. 6.25% APR for up to 84 months on used vehicles, 2020 model year or newer. Estimated monthly payment of $14.49 on $1,000.00 borrowed at 5.75% for 84 Months. Estimated monthly payment of $14.73 on $1,000.00 borrowed at 6.25% for 84 Months. No payments for up to the first 90 days. Interest will accrue for the first 90 days and throughout selected loan term. 640 credit score and above. LTV will be based on credit and term selected, maximum LTV of 115%. Offers are for dealer purchases only and limited to 2020 or newer makes/models. Minimum loan amount of $15,000. Cannot be combined with any other offer other than the FirstCapital Star Rewards® 3-star discount. Effective April 1 - June 30, 2025.
*APR=Annual Percentage Rate. 12 Month 0.00% Promotional rate on balance transfers for new and existing Visa Platinum credit cards. No annual fee. No balance transfer fee. The standard variable APR for purchases: 12.24% - 18.00%, based on your creditworthiness and card type. Cash Advance variable APR: 12.24% - 18.00% based on your credit worthiness, qualifications and card type. All APRs in effect as of 02/01/2025. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances, new purchases and new balance transfers. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless your purchases have a 0% APR or you pay the entire balance (including any Transferred Balances) in full each month. 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 pay off existing First Capital loans. To receive the promotional Balance Transfer Rate all transactions must post within 90 days of account opening. For existing members, the balance transfer must post within the promotional period. Promotional period will expire 12 months from date of first balance transfer. Other conditions may apply. Promotion subject to change or may be withdrawn at any time. Effective April 1 - September 30, 2025.
*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 640 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 $10.73 per $1,000 borrowed at 5.75% 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, 2025.