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Home Equity

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.













Unleash the possibilities

With a home equity loan built with your dreams in mind 

How do you want to use the equity in your home? Whatever your aspirations, Capital Credit Union is here to help you achieve them.
















Home Improvement

Women painting the walls light green.
Renovate and create the home of your dreams?



consolidate debt

Man calculating expenses and writing them down.
Consolidate debt and enjoy financial freedom?



Dream vacation

Couple on a trip enjoying their time together.
Take that dream vacation, invest in education or other major expenses.




















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* APR Points Monthly Payment**
5 year Fixed 4.490% 4.744% 0.000 $186.41
7 year Fixed 5.500% 5.689% 0.000 $143.73
10 year Fixed 6.125 % 6.265% 0.000 $111.68
 
Home Equity Loans - Adjustable Rate Mortgage (ARM)
Term Rate* APR Points Monthly Payment**
3 year ARM+ 4.490% 6.496% 0.000 $63.23
5 year ARM+ 4.490% 6.009% 0.000 $63.23





 
 
Rates effective 4/30/2025
*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.

+Adjustment could occur after initial term. Adjustment is based on an index of UST1YW (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.
 
Capital Credit Union NMLS#442983



























































Expert tips

Unleash Your Homes Hidden Super Powers

Red squiggle line.
couple and their two kids standing outside of a two story home with beautiful green landscape.
HOME EQUITY

HARNESS YOUR HOME’S VALUE: HOME EQUITY LOANS EXPLAINED

Unlock the potential of your home equity with this comprehensive guide on home equity loans, tailored to help you make informed financial decisions.
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HOME EQUITY

HOW TO FIND THE BEST HOME EQUITY LOAN RATES IN WISCONSIN

Discover how to find the best home equity loan rates in Wisconsin with our comprehensive guide. Compare rates, assess your financial situation, and secure a great deal.
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HOME EQUITY

WHAT CAN I DO WITH A HOME EQUITY LOAN IN NORTHEAST WISCONSIN?

With a home equity loan in Wisconsin, you can finance a loan with lower interest rates and use that money however you need. Explore how this works.