APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of April 1, 2025. 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 | 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% |
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% |
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 | 3.445% | 3.500% |
| 24 Month IRA Step-Up | 3.445% | 3.500%* |
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% |
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: FREEDOM CHECK |
84 MONTHS |
5.75%*-NEW |
| New Vehicles | 48 Months | 4.74% |
| New Vehicles | 60 Months | 5.49% |
| New Vehicles | 72 Months | 5.99% |
| New Vehicles | 84 Months | 6.24% |
| Used Vehicles | 48 Months | 5.00% |
| Used Vehicles | 60 Months | 5.74% |
| Used Vehicles | 72 Months | 6.39% |
| Used Vehicles | 84 Months | 6.59% |
| 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 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.
Personal Loans Learn More
| Type | Rate |
|---|---|
| Personal Loan | 9.99% |
| First Line (Line of Credit) | 9.50% |
Home Equity Loans Learn More
| Term | Rate |
|---|---|
| PROMO: NO FEE FIXED HOME EQUITY | 5.25%* UP TO 120 MONTHS |
| Up to 60 Months | 5.74% |
| 61 - 120 Months | 5.99% |
| 121 - 180 Months | 6.49% |
*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.
Home Equity Line of Credit Learn More
| Term | Rate |
|---|---|
| 120 Months | 8.00% |
Credit Cards Learn More
| Types | Rate |
|---|---|
| PROMO: NO FEE BALANCE TRANSFERS & PAY 0% FOR 12 MONTHS | 0.00%* FOR 12 MONTHS ON BALANCE TRANSFERS |
| Visa Platinum Credit Card (Introductory Rate) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 12.24% to 18.00% |
| VISA Signature Rewards | 14.24% to 18.00% |
| VISA Secured | 18.00% |
| VISA Business Rewards | 14.24% to 18.00% |
*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.