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First Capital Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
First Capital Federal Credit Union's top rates as of October 13, 2026 are 3.75% APY on its 12 Month CDs CD, 0.05% APY on savings, 1.60% APY on money market accounts, personal loans from 8.74% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other First Capital Federal Credit Union CD rates include IRA CDs - 12 month at 3.75%, 18 Month CDs at 3.50%, and 24 Month CDs at 3.25%. 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 10/13/2026.
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.
First Capital Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Capital Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.95%
ExcellentLower than avg
First Capital Federal Credit Union Texas Ratio
First Capital Federal Credit Union's Texas Ratio is 0.95%, which is considered excellent and is lower than the national average of 6.13%.
First Capital Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.03% to 0.95% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
12 Month Share Certificates
3.69%
3.75%
12 Months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
IRA Share Certificates - 12 month
3.687%
3.75%
12 Months
DetailsPenalty for early withdrawal applies
Last Updated10/13/2026
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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
IRA Share Certificates - 24 month
3.202%
3.25%
24 Months
DetailsPenalty for early withdrawal applies
Last Updated10/13/2026
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 Month
DetailsPenalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
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 Month
DetailsPenalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
IRA Share Certificates - 30 month
2.715%
2.75%
30 Months
DetailsPenalty for early withdrawal applies
Last Updated10/13/2026
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%
IRA Share Certificates - 36 month
2.715%
2.75%
36 Months
DetailsPenalty for early withdrawal applies
Last Updated10/13/2026
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%
IRA Share Certificates - 60 month
2.715%
2.75%
60 Months
DetailsPenalty for early withdrawal applies
Last Updated10/13/2026
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 Share Certificates
2.47%
2.50%
48 Months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
IRA Share Certificates - 48 month
2.471%
2.50%
48 Months
DetailsPenalty for early withdrawal applies
Last Updated10/13/2026
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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 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 Updated10/13/2026
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%
First Capital Federal Credit Union Savings Rates
Product
Rate
APY
View More
College Club
0.30%
0.30%
Min Balance$2,500
DetailsStandard; Balance: $2,500+
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 0.30% ▲ 0.25 pts · high 0.30% / low 0.05%
Oct 13, 20260.30%▲ from 0.05%
Sep 14, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
College Club
0.20%
0.20%
Min Balance$0
DetailsStandard; Balance: $0 - $2,499.99
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 0.20% ▲ 0.15 pts · high 0.20% / low 0.05%
Oct 13, 20260.20%▲ from 0.05%
Sep 14, 20260.05%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
DetailsBalance: $0.00 - $2,499.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Share Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Share Savings
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500+
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 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
View More
Business Savings
0.05%
0.05%
Min Deposit$5
Min Balance$500
DetailsMinimum balance to avoid fees: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 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
View More
Capital Money Market
1.588%
1.60%
Min Deposit$0
Min Balance$100,000
DetailsBalance: $100,000 +; Minimum Balance to Avoid Fees: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 8 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
DetailsBalance: $100,000 +
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.60% APY · checked 8 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
DetailsBalance: $50,000 - $99,999.99; Minimum Balance to Avoid Fees: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 8 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
DetailsBalance: $50,000 - $99,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 8 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
DetailsBalance: $15,000 - $49,999.99; Minimum Balance to Avoid Fees: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 8 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
DetailsBalance: $15,000 - $49,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 8 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
DetailsBalance: $5,000 - $14,999.99; Minimum Balance to Avoid Fees: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 8 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
DetailsBalance: $5,000 - $14,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 8 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
DetailsBalance: $1,000 - $4,999.99; Minimum Balance to Avoid Fees: $1,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 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
DetailsBalance: $1,000 - $4,999.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 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
View More
Home Equity Loans
5.49%
-
5.49%
Up to 60 Months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 5.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Home Equity Loans
5.74%
-
5.74%
61 - 120 Months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 5.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Home Equity Loans
6.24%
-
6.24%
121 - 180 Months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Home Equity Line of Credit
7.50%
-
7.50%
120 Months
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 10 times
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
View More
Auto Loans - PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS. - New Vehicles
3.99%
-
3.99%
Up to 72 months
DetailsAs Low As; 3.99% for up to 72 months on new vehicles; New Vehicle is defined as 2026-2027 AND never been titled; *APR=Annual Percentage Rate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
New Vehicles Promo
3.99%
-
3.99%
Up to 72 months
DetailsAs Low As; PROMO: MORE HOLIDAY JOY. LESS HOLIDAY STRESS.; NEW, UP TO 72 MONTHS; *APR=Annual Percentage Rate; 3.99% for up to 72 months on new vehicles (New Vehicle defined as 2026-2027 and never titled)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles
4.49%
-
4.49%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicle
4.49%
-
4.49%
Up to 72 months
DetailsPromotional rate Oct 1 - Dec 31, 2026; Used vehicles 2024 model year or newer; 700 credit score and above; dealer purchases only; minimum loan $20,000; max LTV 115%
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
New Vehicles
4.49%
-
4.49%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles
4.74%
-
4.74%
60 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
New Vehicles
4.74%
-
4.74%
60 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles
4.75%
-
4.75%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Used Vehicles
4.75%
-
4.75%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles
4.99%
-
4.99%
60 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Used Vehicles
4.99%
-
4.99%
60 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles
5.24%
-
5.24%
72 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
New Vehicles
5.24%
-
5.24%
72 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles
5.49%
-
5.49%
72 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Used Vehicles
5.49%
-
5.49%
72 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - New Vehicles
5.99%
-
5.99%
84 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
New Vehicles
5.99%
-
5.99%
84 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Auto Loans - Used Vehicles
6.14%
-
6.14%
84 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.14% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Used Vehicles
6.14%
-
6.14%
84 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.14% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
New Off-Road Vehicles
9.49%
-
9.49%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Used Off-Road Vehicles
10.24%
-
10.24%
48 Months
DetailsAs Low As
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 9 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
View More
Visa Platinum Credit Card
-
11.74%
DetailsIntro/promo APR: 2.99%; Introductory Rate; Regular APR: 11.74% to 18.00%
Last Updated10/13/2026
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%
DetailsPublished APR range: 13.74% to 18.00%.
Last Updated10/13/2026
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%
DetailsPublished APR range: 13.74% to 18.00%.
Last Updated10/13/2026
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
-
14.24%
DetailsPublished APR range: 14.24% - 18.00%. Standard variable APR for Purchase, Balance Transfer & Cash Advance based on creditworthiness; variable with Wall Street Journal Prime; 10x bonus points on gas and grocery purchases through Dec 31, 2026; Cash Advance Fee greater of 2% or $10; No Annual Fee; No Balance Transfer Fee
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 13.49% → 14.24% ▲ 0.75 pts · high 14.24% / low 13.49%
Oct 13, 202614.24%▲ from 13.74%
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 Secured
-
17.74%
No additional details.
Last Updated10/13/2026
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 Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
VISA Signature Rewards
13.74%
DetailsPublished APR range: 13.74% to 18.00%.
Last Updated10/13/2026
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
14.24%
DetailsPublished APR range: 14.24% - 18.00%. Standard variable APR for Purchase, Balance Transfer & Cash Advance based on creditworthiness; variable with Wall Street Journal Prime; 10x bonus points on gas and grocery purchases through Dec 31, 2026; Cash Advance Fee greater of 2% or $10; No Annual Fee; No Balance Transfer Fee
Last Updated10/13/2026
Rate History
2 changes since Sep 14, 2026 · 13.49% → 14.24% ▲ 0.75 pts · high 14.24% / low 13.49%
Oct 13, 202614.24%▲ from 13.74%
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%
First Capital Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
First Line (Line of Credit)
9.00%
-
9.00%
Last Updated10/13/2026
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%
-
5.99%
12-MONTHS
DetailsPROMO: HOLIDAY LOAN; New money only; 700 credit score and above
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
PROMO: HOLIDAY LOAN
5.99%
-
5.99%
12-MONTHS
DetailsOffer valid on new money only and cannot be used on existing First Capital Federal Credit Union loans; 700 credit score and above; *APR=Annual Percentage Rate
Last Updated10/13/2026
Rate History
No change since Oct 5, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
All-Purpose Account
0.05%
-
0.05%
Min Balance$0
DetailsBalance: $0.00 - $2,499.99
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business All-Purpose Share
0.05%
-
0.05%
Min Deposit$5
Min Balance$500
DetailsMinimum balance to avoid fees: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Business All-Purpose Share Non-Profit
0.05%
-
0.05%
Min Deposit$5
Min Balance$100
DetailsMinimum Balance to Avoid Fees $100
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.05% APY
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$500
DetailsBalance: $0 - $2,499.99; Minimum Balance to Avoid Fees: $500
DetailsMinimum: $0 in branch / $10 online; Qualifications Required; Balance: up to $10,000.00; Refunds on ATM withdrawal fees, nationwide (up to $20 monthly); Monthly Qualification Cycle applies; General Membership [Adult] and Youth [Birth through Age 17] options shown
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
IRA Share
0.25%
-
0.25%
DetailsDividend Rate 0.250%; APY 0.250%
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Kasasa Cash Checking
2.23%
-
2.25%
Min Balance$0
DetailsQualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Kasasa Saver Savings
0.249%
-
0.25%
Min Balance$0
DetailsQualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive eStatements; Be enrolled in and log into online banking; Balance: $0 - $10,000; Qualifying balance up to $10,000.00
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 7 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 Updated10/13/2026
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%
Share Certificate - 18 Months
3.45%
-
3.50%
18 Months
Last Updated10/13/2026
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%
Share Certificate - 24 Months
3.20%
-
3.25%
24 Months
Last Updated10/13/2026
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%
Share Certificate - 30 Months
2.72%
-
2.75%
30 Months
Last Updated10/13/2026
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%
Share Certificate - 36 Months
2.72%
-
2.75%
36 Months
Last Updated10/13/2026
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%
Share Certificate - 48 Months
2.47%
-
2.50%
48 Months
Last Updated10/13/2026
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%
Share Certificate - 6 Months
2.96%
-
3.00%
6 Months
Last Updated10/13/2026
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%
Share Certificate - 60 Months
2.72%
-
2.75%
60 Months
Last Updated10/13/2026
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%
Share Draft Account
0.05%
-
0.05%
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
Youth Add-On
3.202%
-
3.25%
24 Months
DetailsPenalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.95%
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 NameFirst Capital Federal Credit Union
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
Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Capital Federal Credit Union
Frequently Asked Questions About First Capital Federal Credit Union
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.
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.
Brian McKay
