Credit union · NCUA insured
First Capital Federal Credit Union Savings Rates
Top CarrotFirst Capital Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its First Money Market. Rates checked October 16, 2026.
How First Capital Federal Credit Union’s savings 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.
This credit union’s best
First Capital Federal Credit Union
0.85%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $85
First Money Market
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
First Capital Federal Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.60%
- QualifiedQualified0.85%
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.
Where First Capital Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
First Money Market
0.85%APY
$1,000 minimum deposit to open. Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. 6 withdrawals and/or transfers allowed each month ($5 fee per excess transaction).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. | 0.75% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. |
| $5,000 – $15,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. | 0.85% | $85 | Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. |
| $15,000 – $50,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. | 1.10% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. |
| $50,000 – $100,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. | 1.35% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. |
| $100,000 and upAvoid the $10 monthly service fee by maintaining a $1,000 minimum balance. | 1.60% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance. |
Free Kasasa Saver
Up to 0.25%APY
Linked to a free Kasasa Cash, Kasasa Cash Back, or Kasasa Play checking account. Limit one account per primary member SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires meeting linked Kasasa checking qualification cycle requirements: at least 12 debit card purchases, enrollment in eStatements, and logging into online/mobile banking. | 0.25% | $25 | Requires meeting linked Kasasa checking qualification cycle requirements: at least 12 debit card purchases, enrollment in eStatements, and logging into online/mobile banking. |
| Any balanceBase rate applied to entire balance if monthly qualifications on linked Kasasa checking account are not met. | 0.03% | $3 | Base rate applied to entire balance if monthly qualifications on linked Kasasa checking account are not met. |
| $10,000 and upApplied to portion of balance over $10,000 when linked Kasasa checking qualifications are met, resulting in a blended APY depending on balance. | 0.15% | $15 | Applied to portion of balance over $10,000 when linked Kasasa checking qualifications are met, resulting in a blended APY depending on balance. |
All-Purpose Account
0.05%APY
Add-on account to save for specific goals or events.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 and up | 0.05% | $5 |
Share Savings
0.05%APY
Establishes membership with First Capital Federal Credit Union. Requires maintaining a $5 share balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 and up | 0.05% | $5 |
Special-purpose accounts
College Club
Up to 0.30%APY
Funds automatically transferred to Share Savings account on the first day of the calendar month following the member's 18th birthday. Early withdrawals before age 18 incur a penalty, waived with verification of higher education enrollment.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Standard rate. | 0.20% | — | Standard rate. |
| Up to $2,500Bump rate requires regular monthly deposits of $20 or more. | 0.10% | — | Bump rate requires regular monthly deposits of $20 or more. |
| $2,500 and upStandard rate. | 0.30% | $30 | Standard rate. |
| $2,500 and upBump rate requires regular monthly deposits of $20 or more. | 0.20% | $20 | Bump rate requires regular monthly deposits of $20 or more. |
IRA Share
0.25%APY
Available in Traditional and Roth options. $10 monthly service fee is waived by maintaining a $100 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintain a $100 minimum balance to avoid the $10 monthly service fee.Any balance | 0.25% | $25 | Maintain a $100 minimum balance to avoid the $10 monthly service fee. |
Christmas Club
0.05%APY
Funds automatically transferred to Share Savings account on the first business day of October. Early withdrawals result in a $10 penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 and up | 0.05% | $5 |
Vacation Club
0.05%APY
Funds available upon request.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 and up | 0.05% | $5 |
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.