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Eligibility

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You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
To open a business membership, please visit one of our branch locations.

To be eligible for First Capital Federal Credit Union membership, you must meet one of the qualifications listed below. You must also open a Share Savings account with a minimum deposit of $5, and a one-time membership fee of $1.

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I am an Employee, Retiree, or Immediate Relative of a Preferred Business Partner.

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I am an immediate family member of a current First Capital Federal Credit Union member.

Please enter the current member's first and last name.

I am a roommate or someone sharing another First Capital Federal Credit Union member's household.

Please enter the current member's first and last name.

I am a volunteer associated with a First Capital Federal Credit Union Preferred Business Partner.

I belong to the FirstCap Gives Back Foundation. To Join the foundation, click here.

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Required Products

Select at least one of the following products required for membership

Primary Share

Start with just a $6 deposit in our share savings account and get access to tons of free perks as a member of First Capital Federal Credit Union. A one-time membership fee of $1 will be withdrawn from your initial deposit.

Min Deposit: $6.00 Max Deposit: $5,000.00

You may select one of the following products

Available Products

Checking Savings Certificate Account

Kasasa Cash Back

Earn cash back on debit card purchases and get refunds on your ATM withdrawal fees.* Plus, there’s no monthly maintenance fee or balance requirement!

Min Deposit: $10.00 Max Deposit: $5,000.00

Kasasa Cash

Earn really high interest on this free account — no matter what your balance is! Plus, get refunds on your ATM withdrawal fees, nationwide.

Min Deposit: $10.00 Max Deposit: $5,000.00

Share Draft

With our Share Draft account, you get the technology you need to manage your money for free, along with competitive dividends. Dividends to be paid on full balance once minimum balance of $1000 is reached.

APY: 0.05% Min Deposit: $10.00 Max Deposit: $5,000.00

Kasasa Play

How does getting paid to be entertained sound? With Kasasa Play® you can enjoy your favorite movies, music, games, and apps and we'll pay you to enjoy it all.

Min Deposit: $10.00 Max Deposit: $5,000.00

Christmas Club

With a Christmas Club account you can set aside little by little over the course of multiple months leading up to Christmas. By setting aside money throughout the year, you'll reach your goal without having to tap into your main savings. And dividends earned on your entire balance means you can stretch those hard-earned dollars without the debt!

Max APY: 0.05% Min Deposit: $0.00 Max Deposit: $5,000.00

Vacation Club

Saving can sometimes be hard - make it easy by saving for something that's fun. A Vacation Club account ensures you'll do just that. By setting aside money throughout the year, you'll reach your goal without having to tap into your main savings. You'll also earn dividends on your entire balance which means you can stretch those hard-earned dollars without the debt!

Max APY: 0.05% Min Deposit: $0.00 Max Deposit: $5,000.00

First Money Market

Our First Money Market account, featuring tiered dividend rates and flexible access to funds, is like having a savings and checking account — all rolled into one.

Max APY: 1.60% Min Deposit: $1,000.00 Max Deposit: $5,000.00

90 Day Certificate

APR: 2.96%

APY: 3.00% Min Deposit: $1,000.00 Max Deposit: $20,000.00

6 Month Certificate

APR: 3.45%

APY: 3.50% Min Deposit: $1,000.00 Max Deposit: $20,000.00

12 Month Certificate

APR: 3.93%

APY: 4.00% Min Deposit: $1,000.00 Max Deposit: $20,000.00

18 Month Certificate

APR: 3.69%

APY: 3.75% Min Deposit: $1,000.00 Max Deposit: $20,000.00

24 Month Certificate

APR: 3.45%

APY: 3.50% Min Deposit: $1,000.00 Max Deposit: $20,000.00

30 Month Certificate

APR: 2.96%

APY: 3.00% Min Deposit: $1,000.00 Max Deposit: $20,000.00

36 Month Certificate

APR: 2.96%

APY: 3.00% Min Deposit: $1,000.00 Max Deposit: $20,000.00

48 Month Certificate

APR: 2.96%

APY: 3.00% Min Deposit: $1,000.00 Max Deposit: $20,000.00

60 Month Certificate

APR: 2.96%

APY: 3.00% Min Deposit: $1,000.00 Max Deposit: $20,000.00

24 Month Step-Up Certificate

APR: 3.45%

APY: 3.50% Min Deposit: $5,000.00 Max Deposit: $20,000.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.050%	0.05%	$0.00	$0.00	N/A
.	0.050%	0.05%	$2,500.00	$0.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.050%	0.05%	$0.00	$0.00	N/A
.	0.050%	0.05%	$2,500.00	$0.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.750%	0.75%	$1,000.00	$1,000.00	N/A
.	0.850%	0.85%	$5,000.00	$1,000.00	N/A
.	1.090%	1.10%	$15,000.00	$1,000.00	N/A
.	1.340%	1.35%	$50,000.00	$1,000.00	N/A
.	1.590%	1.60%	$100,000.00	$1,000.00	N/A

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In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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