All deposit interest rates effective as of May 15, 2012
Capital Bank Switch Kit
Save time and manage your accounts more easily by consolidation them with Capital Bank. Our Switch Kit provides you with all of the forms required to transfer your personal and business accounts to your existing accounts at Capital Bank, as well as any direct deposits or auto payments that you have.
| Minimum to Open | Minimum Balance to Obtain APY* | Interest Rate | APY* | ||
|---|---|---|---|---|---|
| Certificates of Deposit | |||||
| 7 - 89 days^^ |
$1,000
|
$1,000
|
0.10%
|
0.10%
|
|
| 90 days |
$1,000
|
$1,000
|
0.10%
|
0.10%
|
|
| 5 months** |
$1,000
|
$1,000
|
0.35%
|
0.35%
|
|
| 6 months |
$1,000
|
$1,000
|
0.20%
|
0.20%
|
|
| 10 months** |
$1,000
|
$1,000
|
0.60%
|
0.60%
|
|
| 1 year |
$1,000
|
$1,000
|
0.45%
|
0.45%
|
|
| 15 months** |
$1,000
|
$1,000
|
0.70%
|
0.70%
|
|
| 18 months |
$1,000
|
$1,000
|
0.45%
|
0.45%
|
|
| 2 years |
$1,000
|
$1,000
|
0.70%
|
0.70%
|
|
| 25 months^ |
$25,000
|
$1,000
|
0.85%
|
0.85%
|
|
| 30 months |
$1,000
|
$1,000
|
0.70%
|
0.70%
|
|
| 3 years |
$1,000
|
$1,000
|
1.00%
|
1.00%
|
|
| 4 years |
$1,000
|
$1,000
|
1.04%
|
1.05%
|
|
| 5 years |
$1,000
|
$1,000
|
1.14%
|
1.15%
|
|
|
|
|||||
New Auto Loans
All consumer loan interest rates effective as of 5/1/2012
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above |
61 to 72 Months - 0% Down Payment
|
5.00%
|
| 700 & Above |
49 to 60 Months - 0% Down Payment
|
4.50%
|
| 700 & Above |
0 to 48 Months - 0% Down Payment
|
4.25%
|
| 650-699 |
0 to 60 Months - 10% Down Payment
|
7.50%
|
| 649 & Below |
0 to 48 Months - 15% Down Payment
|
8.50%
|
New Auto Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
72
|
$10,000
|
$161.09
|
$11,598.48
|
5.002%
|
||
| 700 & Above |
60
|
$10,000
|
$186.43
|
$11,185.81
|
4.503%
|
||
| 700 & Above |
48
|
$10,000
|
$226.91
|
$10,891.73
|
4.253%
|
||
| 650-699 |
60
|
$10,000
|
$200.34
|
$12,020.40
|
7.492%
|
||
| 649 & Below |
48
|
$10,000
|
$246.43
|
$11,828.64
|
8.489%
|
||
Used 2012 & 2011 Auto Loans
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above 700 & Above |
49 to 60 Months - 0% Down Payment
0 to 48 Months - 0% Down Payment |
5.25%
4.75% |
| 650-699 |
0 to 60 Months - 10% Down Payment
|
8.00%
|
| 649 & Below |
0 to 48 Months - 15% Down Payment
|
9.00%
|
Used 2012 & 2011 Auto Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
60
|
$10,000
|
$189.90
|
$11,394.00
|
5.253%
|
||
| 650-699 |
60
|
$10,000
|
$202.72
|
$12,163.20
|
7.991%
|
||
| 649 & Below |
48
|
$10,000
|
$248.79
|
$11,941.92
|
8.987%
|
||
Used 2010 Auto Loans
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above 700 & Above |
37 to 48 Months - 0% Down Payment
0 to 36 Months - 0% Down Payment |
5.00%
4.75% |
| 650-699 |
0 to 48 Months - 10% Down Payment
|
8.50%
|
| 649 & Below |
0 to 48 Months - 15% Down Payment
|
10.00%
|
Used 2010 Auto Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
48
|
$10,000
|
$230.34
|
$11,056.32
|
5.003%
|
||
| 650-699 |
48
|
$10,000
|
$246.43
|
$11,828.64
|
8.489%
|
||
| 649 & Below |
48
|
$10,000
|
$253.56
|
$12,170.88
|
9.986%
|
||
2009 Auto Loans
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above |
0 to 48 Months - 0% Down Payment
|
5.50%
|
| 650-699 |
0 to 48 Months - 10% Down Payment
|
8.50%
|
| 649 & Below |
0 to 48 Months - 15% Down Payment
|
10.00%
|
Used 2009 Auto Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
48
|
$10,000
|
$232.61
|
$11,165.28
|
5.503%
|
||
| 650-699 |
48
|
$10,000
|
$246.56
|
$11,834.88
|
8.503%
|
||
| 649 & Below |
48
|
$10,000
|
$253.71
|
$12,178.08
|
10.003%
|
||
2008 Auto Loans
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above 700 & Above |
37 to 48 Months - 0% Down Payment
0 to 36 Months - 0% Down Payment |
5.50%
5.50% |
| 650-699 |
0 to 42 Months - 10% Down Payment
|
9.50%
|
| 649 & Below |
0 to 42 Months - 15% Down Payment
|
11.00%
|
Used 2008 Auto Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
48
|
$10,000
|
$232.61
|
$11,165.28
|
5.503%
|
||
| 650-699 |
42
|
$10,000
|
$280.89
|
$11,797.38
|
9.503%
|
||
| 649 & Below |
42
|
$10,000
|
$288.04
|
$12,097.68
|
11.004%
|
||
2007 & Older Auto Loans
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above |
0 to 36 Months - 0% Down Payment
|
5.50%
|
| 650-699 |
0 to 36 Months - 10% Down Payment
|
11.00%
|
| 649 & Below |
0 to 36 Months - 15% Down Payment
|
12.00%
|
Used 2007 & Older Auto Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
36
|
$10,000
|
$301.96
|
$10,870.52
|
5.504%
|
||
| 650-699 |
36
|
$10,000
|
$327.50
|
$11,790.00
|
11.004%
|
||
| 649 & Below |
36
|
$10,000
|
$332.27
|
$11,961.72
|
12.004%
|
||
* Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers.
** Annual Percentage Rate
-
Interest rates will be discounted 0.25% with Auto Pay from a Chemung Canal checking or savings account
-
All loans subject to credit approval
-
Interest rates and programs subject to change without notice
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above 700 & Above |
up to 48 Months
49 to 60 Months |
5.50%
9.50% |
| 650-699 |
up to 60 Months
|
10.50%
|
| 649 & Below |
up to 48 Months
|
12.00%
|
Installment Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
60
|
$5,000
|
$104.98
|
$6,298.80
|
9.488%
|
||
| 650-699 |
60
|
$5,000
|
$107.44
|
$6,446.40
|
10.488%
|
||
| 649 & Below |
48
|
$5,000
|
$131.63
|
$6,318.24
|
11.984%
|
||
* Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers.
**Annual Percentage Rate
-
Subject to credit approval
-
Interest rates and programs subject to change without notice
-
Loans under $2,500 - maximum term of 48 months
-
Loans over $7,500 - must be fully secured
-
Interest rates will be discounted 0.25% with Auto Pay from a Capital Bank checking or savings account
Home Improvement/Above-Ground Pool/Spa Loans
|
Credit Score*
|
Term
|
Interest Rate
|
|---|---|---|
| 700 & Above |
up to 48 Months
49 to 60 Months
61 to 84 Months
85 to 120 Months
|
5.50%
7.50%
8.00%
9.00%
|
| 650-699 |
up to 48 Months
49 to 60 Months
61 to 84 Months
85 to 120 Months
|
8.00%
8.50%
9.25%
10.00%
|
| 649 & Below |
up to 48 Months
49 to 60 Months
61 to 84 Months
|
9.55%
10.00%
11.00%
|
Home Improvement/Above-Ground Pool/Spa Loan Payment Examples
| Credit Score* | Term (Months) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR** | ||
|---|---|---|---|---|---|---|---|
| 700 & Above |
60
|
$7,500
|
$150.25
|
$9,015.00
|
7.490%
|
||
| 650-699 |
60
|
$7,500
|
$153.84
|
$9,230.40
|
8.491%
|
||
| 649 & Below |
60
|
$7,500
|
$159.31
|
$9,558.60
|
9.988%
|
||
* Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers.
**Annual Percentage Rate
-
Subject to credit approval
-
Interest rates and programs subject to change without notice
-
Loans under $5,000 - maximum term of 60 months
-
Loans $5,000 - $10,000 - maximum term of 84 months
-
Loans over $10,000 - maximum term of 120 months
-
Loans over $7,500 - must be fully secured
-
Interest rates will be discounted 0.25% with Auto Pay from a Capital Bank checking or savings account
Home Equity Monthly Fixed-Rate Loans
All Home Equity interest rates effective as of 5/1/2012
|
Term
|
Interest Rate
|
|---|---|
| 3 to 5 Years |
4.000%
|
| 6 to 10 Years |
4.250%
|
| 11 to 15 Years |
4.375%
|
| 16 to 20 Years |
4.500%
|
Home Equity Monthly Fixed-Rate Loan Payment Examples
| Term (Years) | Amount Borrowed | Monthly Payment | Total Loan & Interest | APR* | ||
|---|---|---|---|---|---|---|
| 4 |
$10,000
|
$225.77
|
$10,836.96
|
3.995%
|
||
| 8 |
$10,000
|
$124.23
|
$11,811.84
|
4.246%
|
||
| 13 |
$10,000
|
$84.15
|
$13,127.40
|
4.372%
|
||
| 18 |
$125,000
|
$845.52
|
$182,632.32
|
4.502%
|
||
Home Equity Bi-Weekly Fixed-Rate Loans
|
Term
|
Interest Rate
|
|---|---|
| 3 to 5 Years |
3.750%
|
| 6 to 10 Years |
4.000%
|
| 11 to 15 Years |
4.125%
|
| 16 to 20 Years |
4.250%
|
Automatic Payment is required on Bi-Weekly Fixed-Rate Loans. Interest rates listed above include the 0.25% reduction for Automatic Payment.
Home Equity Bi-Weekly Fixed-Rate Loan Payment Examples
| Term (Years) | Amount Borrowed | Bi-Weekly Payment | Total Loan & Interest | APR* | ||
|---|---|---|---|---|---|---|
| 4 |
$10,000
|
$112.72
|
$10,708.40
|
3.752%
|
||
| 8 |
$10,000
|
$61.02
|
$11,532.78
|
4.002%
|
||
| 13 |
$10,000
|
$42.02
|
$12,563.98
|
4.121%
|
||
| 18 |
$125,000
|
$416.85
|
$171,742.20
|
4.239%
|
||
Collateral mortgage required to be filed.
Subject to credit approval.
Interest rates subject to change without notice.
Interest rates will be discounted .25% for autopay from a checking account at Capital Bank.
Automatic payment required for bi-weekly loan.
*APR = Annual Percentage Rate.
| Home Equity Line of Credit |
APR* = 4.00%**
|
*APR = Annual Percentage Rate.
**The Annual Percentage Rate will adjust monthly to the highest Prime rate published in the Wall Street Journal on the last business day of the prior month.
The lifetime cap is guaranteed not to exceed 16.0% APR, with a floor of 4.00% APR.
Homeowners hazard insurance required on all properties and flood insurance required on all properties in flood zones. This offer may be withdrawn at anytime, without notice.