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Credit union · NCUA insured

First Capital Federal Credit Union CD Rates

Top Carrot, Carrot Score 88Top Carrot

First Capital Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How First Capital Federal Credit Union’s CD rates compare

Compared with banks and credit unions near York, PA, where First Capital Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 88

    This credit union’s best

    First Capital Federal Credit Union

    3.75%APY

    Term
    12 months
    Requires
    None
    Minimum
    —
    Earns on $10,000
    $375

    Share Certificates

  • Top rate

    Woodforest National Bank

    4.25%APY

    Term
    9 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $317

    Woodforest National Bank rates

  • 2nd-highest rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

Compare CD rates near you →

First Capital Federal Credit Union CD score

75

CD score

Higher than 38% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.00%
  • 9–15 months9–15 mo3.75%
  • 16–30 months16–30 mo3.50%
  • 31–60 months31–60 mo2.75%
  • QualifiedQualified3.75%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where First Capital Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join First Capital Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees and retirees of an affiliated Preferred Business Partner qualify for membership.
  • Volunteers associated with a First Capital Preferred Business Partner qualify for membership.

Family and household

  • Immediate family members (related by blood, marriage, or other recognized family relationship) of an employee of an affiliated Preferred Business Partner qualify for membership.
  • Roommates and individuals sharing another member's household qualify for membership.

Other ways

  • Members of the FirstCap Gives Back Foundation qualify for membership.

Cost to join

  • A one-time membership fee of $1 is required when applying in person.
  • A minimum deposit of $5 into a Regular Share Savings account is required to establish membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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