Home Equity Loans and Lines of Credit
Fixed-Term Home Equity Loan
Use the power of your home’s equity to take care of home improvements, purchase a new car, take that dream vacation and more! Choose from a fixed or adjustable rate option for this closed-end home equity loan, with financing available up to 15 years to fit your needs.
Home Equity Line of Credit
Perfect for ongoing home improvement and other projects, our open-ended, revolving home equity line of credit gives you the flexibility to pay down your credit and advance funds as needed.
With a simple one-time application process and one-time closing costs, once your paper work is signed you can request advances of $500 or more (up to your approved credit limit) by phone or in person at any time.
The rate is equal to the current prime* rate. Pay down your credit and advance funds as needed. Your credit limit is established based on the equity in your home, and once established, you can access up to your credit limit at any time for any reason. Easily access funds by writing a check, stopping at any Capital office, or by transferring them into your checking account online or by phone.
* Prime rate as listed in the Wall Street Journal each calendar quarter.