Couple decorating their new home using
a home equity loan from Capital Credit Union

Home Equity Loans

Your home is more than just a place to live. It’s where great memories and big dreams begin. The equity in your home can transform your dreams to reality. You have worked hard to build your home's equity, now let your home work for you. At Capital Credit Union we're your trusted partner and together, we can help make your dreams a reality.

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Home Equity Loans for Renovations, Debt Consolidation, and More

What can you use a home equity loan for? A home equity loan lets you borrow against your home's value for renovations, debt consolidation, education, or other major expenses. Capital Credit Union provides affordable home equity financing with competitive rates, flexible terms, and personalized service.

HOME IMPROVEMENT

Renovate and create the home of your dreams?

Explore Home Improvement Loans

CONSOLIDATE DEBT

Man calculating expenses and writing them down.

Consolidate debt and enjoy financial freedom?

Explore Debt Consolidation Options

DREAM VACATION

Couple on a trip enjoying their time together.

Take that dream vacation, invest in education or other major expenses.

Explore Financing Options

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We Have Options That Will Fit Your Particular Need

Our home equity loans offer flexible terms, competitive rates, and personalized service.

Home Equity Loans - Fixed Rate Mortgage

TERM	RATE* (AS LOW AS)	APR (AS LOW AS)	MONTHLY PAYMENT**
5 year Fixed^†	6.125%	6.225%	$484.77
7 year Fixed	6.500%	6.574%	$371.24
10 year Fixed	6.750 %	6.804%	$287.06

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Rates effective 08/20/2026

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.

**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.

Rates and APRs may vary based on creditworthiness, loan amount, term, and property value. Property insurance is required. Flood insurance may be required. All loans subject to credit approval and membership eligibility. Other terms and conditions may apply. NMLS 442983. Equal Housing Opportunity. Federally Insured by the NCUA. Contact Capital Credit Union for more details 920-494-2828 or toll free 800-728-4294.

†The 5.358% Annual Percentage Rate (APR) are based on a 5-year fixed-rate home equity loan of $25,000, with a payment of $474.75, for a borrower with a credit score of 740 and a total combined loan-to-value (CLTV) of 80%. The loan is secured by a second mortgage on a primary residence with an estimated property value of $250,000 and an existing first mortgage of $175,000.

Home Equity Loans - Adjustable Rate Mortgage (ARM)

TERM	RATE* (AS LOW AS)	APR (AS LOW AS)	POINTS	MONTHLY PAYMENT**
3 year ARM⁺	6.125%	6.739%	0.000	$180.92
5 year ARM⁺	6.125%	6.588%	0.000	$180.92

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Rates effective 08/20/2026

**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), an amortization term 20 years, and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. APR and payment amount may increase after consummation. Additional rates and terms are available. This monthly payment does not include taxes or insurance.

⁺Adjustment could occur after initial term. Adjustment is based on an index of UST1YW (United States Treasury Securities 1-year Constant Maturity weekly average yield) plus margin of 3.5%. Maximum annual adjustment is 2%; maximum over the life of the loan is 5%. No conversion option. Additional rates and terms are available.