Cash deposited into your checking account in just eight clicks.
InstaCash gives eligible First Central members access to a quick small-dollar loan anytime, anywhere—with fast decisions and fixed payments.
Key Features
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Fast Decisions
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Fixed Payments
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Relationship Based
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Quick Digital Experience
Fast Decisions
Fixed Payments
Relationship Based
Quick Digital Experience
Imagine it's the weekend, and you need cash in an instant. Don't wait until Monday. Get up to 1,200 deposited into your checking account in just eight clicks. That's it!
InstaCash was designed to help support the financial well-being of our members by offering access to small-dollar loans when timing matters most.
Built for established First Central relationships, InstaCash provides eligible members with access to funds quickly through a simple digital experience.
- Borrow from $200–$1,200
- $20 application fee
- Repayment terms from 6–10 months
- Funds available upon approval
Must be a First Central member for at least 12 months
Relationship-driven approval based on:
- Account history
- Direct deposit activity
- Underwriting criteria
- Members should be in good standing on loans and checking accounts
- Approved InstaCash loans create a new payment obligation (not a refinance)
- Existing InstaCash loans may impact future Holiday Helper eligibility
InstaCash Frequently Asked Questions
What is InstaCash?
InstaCash is a small-dollar loan available to eligible First Central members. It provides quick access to funds when timing matters most, with fixed payments and a simple digital experience.
How much can I borrow?
Eligible members may borrow between $200 and $1,200.
How quickly can I get my money?
If approved, funds are deposited directly into your First Central checking account and are typically available immediately.
How do I apply?
InstaCash is available through First Central's Online Banking, Mobile Banking or the InstaCash page found on our website. The application can be completed in just a few steps without visiting a branch.
Is there an application fee?
Yes. A $20 application fee applies to all InstaCash loans.
How long do I have to repay the loan?
Repayment terms range from 6 to 10 months depending on the loan amount and eligibility.
Who is eligible for InstaCash?
To be considered for InstaCash, you must:
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Be a First Central member for at least 12 months
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Relationship-driven approval based on:
- Account history
- Direct deposit activity
- Underwriting criteria
- Members should be in good standing on loans and checking accounts
- Approved InstaCash loans create a new payment obligation (not a refinance)
- Existing InstaCash loans may impact future Holiday Helper eligibility
Does InstaCash require a credit check?
InstaCash uses a relationship-based approval process. Decisions are based on factors such as account history, direct deposit activity, and your overall relationship with First Central.
What does "relationship-based" mean?
Instead of relying solely on traditional credit criteria, InstaCash considers how you've managed your relationship with First Central, including account activity, deposit history, and repayment performance.
Will applying affect my credit score?
Please refer to your loan disclosures for details regarding credit reporting and inquiry practices. Eligibility and approval are based on InstaCash underwriting requirements.
What can I use InstaCash for?
That's up to you. Members commonly use InstaCash for unexpected expenses, emergency repairs, bills, travel, school expenses, or other short-term financial needs.
Can I have more than one InstaCash loan at a time?
No. Members may only have one active InstaCash loan at a time.
If I have an existing InstaCash loan, can I apply for another?
An existing InstaCash loan must be paid off before a new InstaCash loan can be considered.
Can I pay my loan off early?
Yes. There is no penalty for paying off your InstaCash loan early.
Is InstaCash a refinance?
No. InstaCash creates a new loan obligation and is not a refinance of an existing First Central loan.
Will InstaCash affect my eligibility for Holiday Helper?
Possibly. Because InstaCash creates a new payment obligation, an active InstaCash loan may impact future Holiday Helper eligibility.
Why did First Central create InstaCash?
Life doesn't always happen during business hours. InstaCash was designed to provide eligible members with a convenient way to access small-dollar loans when they need them most while keeping borrowing local, transparent, and relationship-focused.
What if I'm not eligible?
If InstaCash isn't available to you today, continue building your relationship with First Central by maintaining account activity, establishing direct deposit, and keeping accounts in good standing. Additional lending options may also be available.
Need funds fast?
See if InstaCash is available for you today.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Money Market*
| Balance | Dividend Rate | APY |
|---|---|---|
| $2,500+ | 0.99% | 1.00% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. A monthly service charge of $20 with an average balance below $2500. Your account will be considered dormant/inactive if you do not make any transactions over 3 years.
Business Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.97% | 3.00% |
| 1 year | $1,000 | 3.45% | 3.50% |
| 2 years | $1,000 | 3.50% | 3.55% |
| 3 years | $1,000 | 3.21% | 3.25% |
| 4 years | $1,000 | 3.06% | 3.10% |
| 5 years | $1,000 | 3.11% | 3.15% |
Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25.
Farm Equipment (New or Pre-owned)*
| Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|
| 100% of purchase price; maximum amount not to exceed 72 months | 1 - 72 months | 7.30% - 17.80% |
*Effective 03/01/2026.
Home Equity*
| Maximum Term | 1st Lien Annual Percentage Rate | 2nd Lien Annual Percentage Rate |
|---|---|---|
| 5 years | as low as 5.55% - 10.85% | as low as 6.55% - 12.35% |
| 7 years | as low as 6.05% - 11.35% | as low as 7.05% - 12.85% |
| 10 years | as low as 6.55% - 11.85% | as low as 7.55% - 13.35% |
| 15 years | as low as 6.80% - 12.10% | as low as 7.80% - 13.60% |
| 20 years | as low as 7.05% - 12.35% | as low as 8.05% - 13.85% |
*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may differ from that of another member on the same type of loan. Home Equity Loan property must be located within a 200-mile radius of a branch location. Effective 12/18/2025.
IRA Savings
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular, Roth & Educational | 0.499% | 0.50% |
IRA Term Share Certificate
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.97% | 3.00% |
| 1 year | $1,000 | 3.45% | 3.50% |
| 2 years | $1,000 | 3.50% | 3.55% |
| 3 years | $1,000 | 3.21% | 3.25% |
| 4 years | $1,000 | 3.06% | 3.10% |
| 5 years | $1,000 | 3.11% | 3.15% |
Penalty for early withdrawal.
Effective 02/10/2025.
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $10,000 | 4.889% | 5.00% |
| Over $10,000 | 0.995% | 5.00% to 1.36% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Kasasa Saver*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $20,000 | 1.982% | 2.00% |
| Over $20,000 | 0.995% | 1.17% to 2.00% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Lifestyle Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 11.49% - 18.00% |
APR for Balance Transfers
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 13.49% - 18.00% |
APR for Cash Advances
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 13.49% - 18.00% |
Money Market (First Fund)*
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.35% | 0.35% |
| $2,500 - $24,999.99 | 0.99% | 1.00% |
| $25,000 - $49,999.99 | 1.09% | 1.10% |
| $50,000 - $99,999.99 | 1.24% | 1.25% |
| $100,000 - $249,999.99 | 1.98% | 2.00% |
| $250,000 and Greater | 2.23% | 2.25% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.
New Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 4.54% - 17.45% |
| 37 - 48 months | as low as 4.69% - 17.69% |
| 49 - 66 months | as low as 4.84% - 17.84% |
| 67 - 72 months | as low as 4.84% - 17.84% |
| 73 - 84 months | as low as 5.84% - 10.09% |
Term available based on credit score. Effective 3/01/2026.
New Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 6.04% - 18.00% |
| 37 - 48 months | as low as 6.19% - 18.00% |
| 49 - 66 months | as low as 6.34% - 18.00% |
| 67 - 72 months | as low as 6.34% - 18.00% |
| 73 - 84 months | as low as 7.34% - 11.59% |
*Effective 11/01/2025. Term available based on credit score.
Personal Loans*
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Small Dollar Personal Loan | $800 and Below | 1 - 6 months | 12.75% - 28.00% |
| Personal | $801 - $30,000 | 1 - 84 months | 10.50% - 18.00% |
| Line of Credit / Overdraft Line of Credit | $1 - $30,000 | 1 - 72 months | 10.50% - 18.00% |
*Small personal loans of $800 or less will incur a $20 application fee.
Pre-owned Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('17 & older) | as low as 4.84% - 18.00% |
| 24 - 30 months ('18 - '19) | as low as 4.84% - 18.00% |
| 36 - 42 months ('20 - '21) | as low as 4.84% - 18.00% |
| 48 - 60 months ('22 - '23) | as low as 4.84% - 18.00% |
| 60 - 72 months ('24 - '26) | as low as 4.84% - 17.84% |
*Classic Auto may be financed up to 24 months, or longer with approval from President
*Auto Refinance (External) - 2% lower than current interest rate to a floor of 4.84% with $5,000.00 or more financed.
*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.
*If the term of the loan is extended, rates may be subject to a 1% APR increase.
*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.
*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.
*Effective 3/01/2026
Pre-owned Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('17 & older) | as low as 6.34% - 18.00% |
| 24 - 30 months ('18 - '19) | as low as 6.34% - 18.00% |
| 36 - 42 months ('20 - '21) | as low as 6.34% - 18.00% |
| 48 - 60 months ('22 - '23) | as low as 6.34% - 18.00% |
| 60 - 72 months ('24 - '26) | as low as 6.34% - 18.00% |
| Jet Skis | Same as Personal Rates |
*100-120% NADA Retail to qualified borrowers. Recreational vehicle refinance (external) is 2% lower than the current interest rate to a floor of 6.34% with $5,000.00 or more financed — effective 3/01/2026.
Prestige Draft Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| $500 - $2,499.99 | 0.150% | 0.15% |
| $2,500 - $14,999.99 | 0.349% | 0.35% |
| $15,000 and Greater | 0.499% | 0.50% |
Share Accounts*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Share Account* | 0.350% | 0.35% |
| Business Share Account | 0.350% | 0.35% |
| Dream Savings* (Monthly) | 0.350% | 0.35% |
| Dream Club (Monthly) | 0.350% | 0.35% |
Regular Share Account and Business Share Account minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.
Dream Savings Accounts are those called -- for example -- Special Savings, Vacation, Wedding, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month.
Dream Club Accounts are designed to save for year-end or holiday expenses. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. Every November, the full balance of account is withdrawn and paid to the member. The account remains open for continued savings into the next year.
*Regular Share Account allows four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4) per month.
Share Draft Accounts
| Account Type | Dividend Rate | APY |
|---|---|---|
| Super Saver Checking | 0.050% | 0.05% |
| Student Checking | 0.050% | 0.05% |
| Business Plus Checking | 0.050% | 0.05% |
Share Secured Loans
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Secured w/Savings | Total of Share Balance | 1 - 24 months | 4.25% - 10.25% |
| Secured w/Savings | Total of Share Balance | 25 - 60 months | 4.75% - 10.75% |
| Secured w/ Certificate | Face amount of Certificate | 1 - 120 months | 2% above yield |
Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.97% | 3.00% |
| 1 year | $1,000 | 3.45% | 3.50% |
| 13 months* | $1,000 | 3.65% | 3.70% |
| 2 years | $1,000 | 3.50% | 3.55% |
| 25 months* | $1,000 | 3.50% | 3.55% |
| 3 years | $1,000 | 3.21% | 3.25% |
| 4 years | $1,000 | 3.06% | 3.10% |
| 5 years | $1,000 | 3.11% | 3.15% |
| JUMBO* | $100,000 | See Below |
Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term.
JUMBO term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.60%, JUMBO would pay 3.85% APY). Effective 06/1/26.
* Non-renewable.
VISA Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 10.99% - 18.00% | 12.99% - 18.00% | 15.49% |
APR for Balance Transfers
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 12.99% - 18.00% | 14.99% - 18.00% | 17.49% |
APR for Cash Advances
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 12.99% - 18.00% | 14.99% - 18.00% | 17.49% |
Rate effective 1/1/2026
Youth Savings*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Kirby Kangaroo* (age 0-12) | 0.350% | 0.35% |
| Youth Account (age 13-17) | 0.350% | 0.35% |
| TUTMA Savings (birth-21) | 0.350% | 0.35% |
*Child must be present to recieve Kirby Kangaroo prize. One prize per child each day.
Kirby Kangaroo and Youth Accounts - $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.
TUTMA Savings - $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.