Requirements:

• Minimum balance to open - $10,000. 

Benefits:

• Interest rates will be set at our discretion and may be changed at our discretion.
• Interest rates will be comparable to those of money market funds.   

Rate Tiers:

• No. 1          $10,000 to 24,999.99
• No. 2          $25,000 to 49,999.99
• No. 3          $50,000 to 249,999.99
• No. 4          $250,000 to 499,999.99
• No. 5          $500,000 or more    

Transfers from a First Capital account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no more than three by check, draft, or similar order to third parties.

Fees:

• A service charge of $15.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle.

• An item fee of $5.00 will be charged for each transaction in excess of the above limitations.