Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of December 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 0.249% 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 2.959% 3.000%
6 Months 3.445% 3.500%
12 Months 3.928% 4.000%
18 Months 3.687% 3.750%
24 Months 3.445% 3.500%*
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 3.928% 4.000%
24 Months 3.445% 3.500%*
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 3.445% 3.500%*

*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 3.445% 3.500%*

*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
(as low as)
PROMO: Swap and Drop your auto loan

84 Months

4.99%
New Vehicles 48 Months 4.74%
New Vehicles 60 Months 5.74%
New Vehicles 72 Months 6.24%
New Vehicles 84 Months 6.49%
Used Vehicles 48 Months 5.00%
Used Vehicles 60 Months 5.99%
Used Vehicles 72 Months 6.49%
Used Vehicles 84 Months 6.99%
New and Used RVs and Boats 60 Months 6.74%
New and Used RVs and Boats 72 Months 7.49%
New and Used RVs and Boats 120 Months 8.49%
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 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.

Personal Loans Learn More

Type Rate
PROMO: Holiday Loan 5.99%
Personal Loan 9.99%
First Line (Line of Credit) 9.75% 

*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.

Home Equity Loans Learn More

Term Rate
Up to 60 Months 5.74%
61 - 120 Months 5.99%
121 - 180 Months 6.49%

Home Equity Line of Credit Learn More

Term Rate
120 Months 8.75%

Credit Cards Learn More

Types Rate

VISA Business Rewards Promo: 0% Interest on Balance Transfers and Purchases for 12 months

Signature Rewards Visa Credit Card Promo: 10x Points on Gas & Groceries

 14.74% to 18.00%
Visa Platinum Credit Card (Introductory Rate) 2.99%
Visa Platinum Credit Card (After Introductory Rate) 12.74% to 18.00%
VISA Signature Rewards 14.74% to 18.00%
VISA Secured 18.00%
VISA Business Rewards 14.74% 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.
 
*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.