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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.













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

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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) POINTS MONTHLY PAYMENT**
5 year Fixed† 5.250% 5.358% 0.000 $474.75
7 year Fixed 6.250% 6.333% 0.000 $368.33
10 year Fixed 6.250 % 6.311% 0.000 $280.80

Rates effective 05/11/2026
*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. $10,000 in new money excluding fees required. 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. $10,000 in new money excluding fees required. Not available on existing applications or loans. 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.
 

†Rates effective 4/13/2026 through 6/30/2026.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+ 5.250% 6.623% 0.000 $168.53
5 year ARM+ 5.250% 6.284% 0.000 $168.53
Rates effective 05/11/2026
*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), 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. $10,000 in new money excluding fees required. APR and payment amount may increase after consummation. 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. $10,000 in new money excluding fees required. Not available on existing applications or loans. 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. 
 
+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.
 
Rates effective 4/13/2026 through 6/30/2026.























































 
 
 


Expert tips

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couple and their two kids standing outside of a two story home with beautiful green landscape.
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