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First Capital Federal Credit Union

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First Capital Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Capital Federal Credit Union?

Current rates for First Capital Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.50%, 24-Month CD: 3.25%, 60-Month CD: 2.75%, Savings: 0.05%, MMA: 1.60%

Q: What CD terms does First Capital Federal Credit Union offer?

First Capital Federal Credit Union CD rates are 3.00% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.25% APY for a 2 year CD, 2.75% APY for a 30 month CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Capital Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

First Capital Federal Credit Union's 12 Month CDs rates are at 3.75%, 18 Month CDs rates are at 3.50%, 24 Month CDs rates are at 3.25%, 6 Month CDs rates are at 3.00%, 30 Month CDs rates are at 2.75%. First Capital Federal Credit Union's savings rates are at 0.05%. First Capital Federal Credit Union's money market rates are at 1.60%. First Capital Federal Credit Union's checking rates are as high as 2.25%. First Capital Federal Credit Union's Personal Loan Rates are as low as 8.74%. First Capital Federal Credit Union's Credit Card Rates are at 11.74%. First Capital Federal Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Capital Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.95%. Rates last updated and verified on 10/29/2026.

First Capital Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Capital Federal Credit Union? Share your experience about First Capital Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Capital Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.95%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Capital Federal Credit Union
Main Office

1601 Kenneth Rd
York, PA 17408-2228

https://www.firstcapitalfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Capital Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Share Certificate	3.687%	3.75%	12 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
12 Month Share Certificates	3.69%	3.75%	12 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
18 Month Share Certificates	3.45%	3.50%	18 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
24 Month IRA Share Certificate	3.202%	3.25%	24 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
24 Month Share Certificates	3.20%	3.25%	24 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Step-Up Share Certificate - 24 Month IRA Step-Up	3.202%	3.25%	24 Months
Details Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Step-Up Share Certificate - 24 Month Step-Up	3.20%	3.25%	24 Months
Details Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
6 Month Share Certificates	2.96%	3.00%	6 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
30 Month IRA Share Certificate	2.715%	2.75%	30 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
30 Month Share Certificates	2.72%	2.75%	30 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
36 Month IRA Share Certificate	2.715%	2.75%	36 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
36 Month Share Certificates	2.72%	2.75%	36 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
60 Month IRA Share Certificate	2.715%	2.75%	60 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
60 Month Share Certificates	2.72%	2.75%	60 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
48 Month IRA Share Certificate	2.471%	2.50%	48 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
48 Month Share Certificates	2.47%	2.50%	48 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
90 Day Share Certificates	1.98%	2.00%	90 Days
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 90 Days	1.98%	2.00%	90 Days
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Savings Rates

Product	Rate	APY
College Club	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500+ (Standard) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share	0.25%	0.25%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
College Club	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500+ (Bump) Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 0.30% → 0.20% ▼ 0.10 pts · high 0.30% / low 0.20% Oct 29, 20260.20%▼ from 0.30% Oct 13, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
College Club	0.20%	0.20%
Min Balance $0 Details Balance: $0 - $2,499.99 (Standard) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
College Club	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $2,499.99 (Bump) Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 0.20% → 0.10% ▼ 0.10 pts · high 0.20% / low 0.10% Oct 29, 20260.10%▼ from 0.20% Oct 13, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Christmas & Vacation Club	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Business Savings Rates

Product	Rate	APY
Business All-Purpose Share	0.05%	0.05%
Min Deposit $5 Min Balance $500 Details Minimum balance to avoid fees: $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Savings	0.05%	0.05%
Min Deposit $5 Min Balance $500 Details Minimum balance to avoid fees: $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Money Market Rates

Product	Rate	APY
Capital Money Market	1.588%	1.60%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 +; Minimum Balance to Avoid Fees: $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
First Money Market	1.588%	1.60%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Capital Money Market	1.341%	1.35%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Minimum Balance to Avoid Fees: $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
First Money Market	1.341%	1.35%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Capital Money Market	1.094%	1.10%
Min Deposit $0 Min Balance $15,000 Details Balance: $15,000 - $49,999.99; Minimum Balance to Avoid Fees: $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
First Money Market	1.094%	1.10%
Min Balance $15,000 Details Balance: $15,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Capital Money Market	0.846%	0.85%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 - $14,999.99; Minimum Balance to Avoid Fees: $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
First Money Market	0.846%	0.85%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Capital Money Market	0.747%	0.75%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000 - $4,999.99; Minimum Balance to Avoid Fees: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
First Money Market	0.747%	0.75%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Capital Money Market	0.00%	0.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $999.99; Minimum Balance to Avoid Fees: $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	2.25%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Qualifying balance up to $10,000.00; Refunds on ATM withdrawal fees, nationwide, up to $20 monthly; Can link to free Kasasa Saver account; No monthly maintenance fees; No minimum balance to earn rewards; $0 minimum deposit to open in branch / $10 minimum deposit to open online; APYs accurate as of 06/16/2014 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Kasasa Cash Checking	2.23%	2.25%
Min Balance $0 Details Qualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Draft Account	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Draft Account	0.10%	0.10%
Min Deposit $0 Min Balance $500 Details Balance: $0 - $2,499.99; Minimum Balance to Avoid Fees: $500 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Business Draft Account	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Non-Profit; Balance: $0 - $2,499.99; Minimum Balance to Avoid Fees: $100 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Up to 60 Months	5.49%	-	5.49%	Up to 60 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Home Equity Loan - 61 - 120 Months	5.74%	-	5.74%	61-120 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Home Equity Loan - 121 - 180 Months	6.24%	-	6.24%	121-180 months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Home Equity Line of Credit	7.50%	-	7.50%
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Home Equity Line of Credit - 120 Months	7.50%	-	7.50%	120 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle	-	-	3.99%	Up to 72 months
Details New vehicle defined as 2026-2027 model year and never titled; 700 credit score and above; maximum LTV 115%; dealer purchases only; minimum loan $20,000; effective October 1 - December 31, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loan - Used Vehicle	-	-	4.49%	Up to 72 months
Details Used vehicles, 2024 model year or newer; 700 credit score and above; maximum LTV 115%; dealer purchases only; minimum loan $20,000; effective October 1 - December 31, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles	-	-	4.49%	48 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - Promo Used Vehicles	-	-	4.49%	Up to 72 months
Details As Low As; Promo: More Holiday Joy. Less Holiday Stress.; Used vehicles, up to 72 months; 2024 model year or newer; APR Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles	-	-	4.74%	60 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles	-	-	4.75%	48 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles	-	-	4.99%	60 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles	-	-	5.24%	72 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles	-	-	5.49%	72 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles	-	-	5.99%	84 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles	-	-	6.14%	84 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
New Off-Road Vehicles Loan	-	-	9.49%	48 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Used Off-Road Vehicles Loan	-	-	10.24%	48 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New and Used RVs and Boats Loan	-	5.99%	60 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
New and Used RVs and Boats Loan	-	6.74%	72 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
New and Used RVs and Boats Loan	-	7.74%	120 Months
Details As Low As; APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	11.74%
Details Intro/promo APR: 2.99%; Introductory Rate; Regular APR: 11.74% to 18.00% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 5, 202611.74%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
VISA Business Rewards	-	13.74%
Details Published APR range: 13.74% to 18.00%. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 5, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
VISA Signature Rewards	-	13.74%
Details Published APR range: 13.74% to 18.00%. PROMO: 10X points on gas and groceries with your Signature Rewards card; qualifying purchases must be made on or before December 31, 2026; Regular APR: 13.74% to 18.00% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 5, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
VISA Signature Rewards Card	-	14.24%
Details Published APR range: 14.24% - 18.00%. Standard variable APR for Purchase, Balance Transfer & Cash Advance based on credit worthiness; variable with Wall Street Journal Prime; No Annual Fee; No Balance Transfer Fee; Cash Advance Fee greater of 2% or $10 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 14.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
VISA Secured	-	17.74%
No additional details. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 17.49% → 17.74% ▲ 0.25 pts · high 17.74% / low 17.49% Oct 5, 202617.74%▲ from 17.49% Sep 14, 202617.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	8.74%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
VISA Signature Rewards	13.74%
Details Published APR range: 13.74% to 18.00%. PROMO: 10X points on gas and groceries with your Signature Rewards card; qualifying purchases must be made on or before December 31, 2026; Regular APR: 13.74% to 18.00% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 5, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
VISA Signature Rewards Card	14.24%
Details Published APR range: 14.24% - 18.00%. Standard variable APR for Purchase, Balance Transfer & Cash Advance based on credit worthiness; variable with Wall Street Journal Prime; No Annual Fee; No Balance Transfer Fee; Cash Advance Fee greater of 2% or $10 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 14.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

First Capital Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First Line (Line of Credit)	9.00%	-	9.00%
Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 5, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Holiday Loan	-	-	5.99%	12-MONTHS
Details PROMO: HOLIDAY LOAN; Asterisked rate defined as APR; Offer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans; 700 credit score and above Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
All-Purpose Account	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share Certificate 12 Months	3.687%	-	3.75%	12 Months
Details Penalty for early withdrawal applies; refer to Truth-In-Savings Disclosure Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share Certificate 24 Months	3.202%	-	3.25%	24 Months
Details Penalty for early withdrawal applies; refer to Truth-In-Savings Disclosure Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share Certificate 30 Months	2.715%	-	2.75%	30 Months
Details Penalty for early withdrawal applies; refer to Truth-In-Savings Disclosure Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share Certificate 36 Months	2.715%	-	2.75%	36 Months
Details Penalty for early withdrawal applies; refer to Truth-In-Savings Disclosure Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share Certificate 48 Months	2.471%	-	2.50%	48 Months
Details Penalty for early withdrawal applies; refer to Truth-In-Savings Disclosure Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
IRA Share Certificate 60 Months	2.715%	-	2.75%	60 Months
Details Penalty for early withdrawal applies; refer to Truth-In-Savings Disclosure Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Kasasa Saver Savings	0.249%	-	0.25%
Min Balance $0 Details Qualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 12 Months	3.69%	-	3.75%	12 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 18 Months	3.45%	-	3.50%	18 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 24 Months	3.20%	-	3.25%	24 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 30 Months	2.72%	-	2.75%	30 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 36 Months	2.72%	-	2.75%	36 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 48 Months	2.47%	-	2.50%	48 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 6 Months	2.96%	-	3.00%	6 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%
Share Certificate - 60 Months	2.72%	-	2.75%	60 Months
Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Capital Federal Credit Union’s Texas Ratio fell from 2.03% in Q3 2023 to 0.95% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$368M	0.95%	5.0	A+
March 31, 2026	$371M	0.83%	5.0	A+
December 31, 2025	$369M	1.04%	5.0	A+
September 30, 2025	$357M	1.32%	5.0	A+
June 30, 2025	$349M	0.85%	5.0	A+
March 31, 2025	$345M	1.25%	5.0	A+
December 31, 2024	$324M	1.38%	5.0	A+
September 30, 2024	$319M	1.61%	5.0	A+
June 30, 2024	$314M	1.93%	5.0	A+
March 31, 2024	$312M	2.20%	5.0	A+
December 31, 2023	$302M	2.76%	5.0	A+
September 30, 2023	$304M	2.03%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Capital Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Capital Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Capital Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Capital Federal Credit Union

Website https://www.firstcapitalfcu.com

Address 1601 Kenneth Rd, York, PA 17408-2228

Phone 717-767-5551

Fax 717-767-6207

President Stewart Olewiler

CEO Susan DeStephano

Full-Time Employees 70

Part-Time Employees 9

Branch Locations 6

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.95%

Return on Assets (ROA)

0.5363%

Return on Equity (ROE)

4.5167%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

368,450,023

Total Amount of Shares and Deposits

322,388,170

Total Shares and Deposits < 1 Year

315,544,015

Total Shares and Deposits 1 3 Years

5,939,060

Total Shares and Deposits > 3 Years

905,098

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,963,949

Total Uninsured Shares and Deposits > $250K (F+J)

11,963,949

Total Insured Shares and Deposits > $250K (item 17 less item K)

310,424,221

Total Interest Expense (Sum of items 6 8)

1,932,491

Share Certificates

2,986

Number of Accounts for Share Drafts

16,060

IRA KEOGH Accounts

751

Number of Accounts for Regular Shares

30,282

Money Market Shares

1,011

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

65,239,541

Total Liabilities

324,372,852

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Capital Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Capital Federal Credit Union

Does First Capital Federal Credit Union offer CDs?

Yes. First Capital Federal Credit Union current CD rates include its 12 Month CDs at 3.75% APY, its 18 Month CDs at 3.50% APY and its 24 Month CDs at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from First Capital Federal Credit Union NCUA insured?

Yes. First Capital Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Capital Federal Credit Union?

The highest First Capital Federal Credit Union CD rate is its 12 Month IRA CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does First Capital Federal Credit Union offer?

First Capital Federal Credit Union CD rates are 3.00% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.25% APY for a 2 year CD, 2.75% APY for a 30 month CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with First Capital Federal Credit Union for its full lineup.

What is the highest savings rate at First Capital Federal Credit Union?

The highest First Capital Federal Credit Union savings rate is its Business Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at First Capital Federal Credit Union?

The highest First Capital Federal Credit Union money market rate is its Capital Money Market at 1.60% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at First Capital Federal Credit Union?

The highest First Capital Federal Credit Union checking rate is its Free Kasasa Cash Checking at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at First Capital Federal Credit Union?

The lowest First Capital Federal Credit Union auto loan rate is its Auto Loan - New Vehicle at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at First Capital Federal Credit Union?

The lowest First Capital Federal Credit Union personal loan rate is its Personal Loan at 8.74%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at First Capital Federal Credit Union?

The lowest First Capital Federal Credit Union credit card APR is its Visa Platinum Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does First Capital Federal Credit Union operate?

First Capital Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join First Capital Federal Credit Union?

Yes, to access services at First Capital Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, First Capital Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Capital Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Capital Federal Credit Union offer online and mobile banking?

Most modern institutions like First Capital Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcapitalfcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Capital Federal Credit Union rates compare?

First Capital Federal Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. First Capital Federal Credit Union's top rates are its 12 Month IRA CD at 3.75% APY, its Business Savings at 0.05% APY, its Capital Money Market at 1.60% APY, its Free Kasasa Cash Checking at 2.25% APY, its Personal Loan at 8.74% APR and its Visa Platinum Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026.

Current First Capital Federal Credit Union Rates

12-Month CD3.75%
18-Month CD3.50%
24-Month CD3.25%
60-Month CD2.75%
Savings0.05%
MMA1.60%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Capital Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Capital Federal Credit Union Texas Ratio

First Capital Federal Credit Union Health Trend

First Capital Federal Credit Union CD Rates

First Capital Federal Credit Union Savings Rates

First Capital Federal Credit Union Business Savings Rates

First Capital Federal Credit Union Money Market Rates

First Capital Federal Credit Union Checking Rates

First Capital Federal Credit Union Business Checking Rates

First Capital Federal Credit Union Home Equity & HELOC

First Capital Federal Credit Union Auto Loan Rates

First Capital Federal Credit Union RV, Boat and Powersport Loan Rates

First Capital Federal Credit Union Credit Card Rates

First Capital Federal Credit Union Personal Loan Rates

First Capital Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Capital Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Capital Federal Credit Union

Does First Capital Federal Credit Union offer CDs?

Are CDs from First Capital Federal Credit Union NCUA insured?

What is the highest CD rate at First Capital Federal Credit Union?

What CD terms does First Capital Federal Credit Union offer?

What is the highest savings rate at First Capital Federal Credit Union?

What is the highest money market rate at First Capital Federal Credit Union?

What is the highest checking rate at First Capital Federal Credit Union?

What is the lowest auto loan rate at First Capital Federal Credit Union?

What is the lowest personal loan rate at First Capital Federal Credit Union?

What is the lowest credit card APR at First Capital Federal Credit Union?

How many branches does First Capital Federal Credit Union operate?

Is a member application needed to join First Capital Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Capital Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Capital Federal Credit Union rates compare?

Current First Capital Federal Credit Union Rates

Compare to Other Credit Unions