Capital Bank: A Division of Chemung Canal Trust Company
 

Installment Loans

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First home? Vacation Home? New car or boat beckoning? At Capital Bank, our personal loan professionals want to say "yes." We promise to get back to you with an answer quickly, and process your paperwork promptly. It's part of our CapitalCare promise to "make it happen and get it done."

Auto Loans

Ah, the feeling of a shiny new car or truck.... we are a leader in helping folks "find their ride."  New or used, we can help tailor your loan to your personal needs.

Home Improvement Loans

House needs a new roof? Want an extra room? We have loan options for almost any home improvement project you can imagine. With competitive rates and flexible terms, we can design the loan best suited to your individual requirements.

Personal Loans

For that mobile home, boat, camper, motorcycle or snowmobile, we'll tailor your personal loan to your needs and financial situation. We want to say "yes" to your loan request and we'll do everything possible let you know the outcome of your loan request quickly. 

Line of Credit

Your line of credit is attached to your Capital Bank checking account.  

  • Purchases in excess of your checking account balance will be automatically covered, with funds loaned to you to cover the overdraft
  • Protects against unexpected or mistaken overdrafts
  • Use your line of credit with a VISA® debit card for even more convenience


Credit-Builder Loans

Clients who are first-time borrowers, or who may have damaged credit, often need a way to "get started" or "start over." A credit-builder loan places your loan proceeds in a Capital Bank certificate of deposit. You then repay the loan in installments. When the CD matures, you receive the proceeds plus the accrued interest. It's a great way to establish a credit history or repair one that's been damaged. 

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