With a Flex+ Revolving Line of Credit from Capital Bank, you can borrow up to 80% of your home’s market value, minus any outstanding mortgage balance. This open line of credit gives you affordable monthly payments, plus the option to convert your balance into a fixed-rate loan at any time for added stability.

Features and Benefits:

• Flexible line of credit with affordable monthly payments
• The minimum loan amount is $10,000
• Variable annual interest rate based on Prime + 0% for the life of the loan (interest rate may change on a daily basis)
• Option to transfer the outstanding balance to a fixed-interest-rate loan for a fee
• Potential tax-deductible interest
• View our current rates

If you have a specific expense in mind and want a consistent monthly payment, a Fixed Interest Rate Home Equity Loan may be the right choice. With a fixed rate for the life of the loan, you’ll always know what to expect.

Features and Benefits

• The minimum loan amount is $10,000
• The interest rate will be fixed when you apply for the loan
• Convenient terms
• Potential tax-deductible interest
• View our current rates

Want to pay off your home equity loan sooner and reduce the amount of interest paid over time? Our Bi-Weekly Fixed Interest Rate Home Equity Loan allows you to make half-payments every two weeks instead of once per month, resulting in 26 payments per year instead of 12.

Features and Benefits:

• The minimum loan amount is $10,000
• Pay less interest over the life of the loan
• Payments are automatically deducted from a Capital Bank checking or savings account
• Potential tax-deductible interest
• View our current rates

For borrowers who want to manage larger expenses while keeping monthly payments low, our Interest-Only Revolving Line of Credit is a great solution. You’ll only pay interest on the borrowed amount for the first 10 years—giving you more financial flexibility during the draw period.

Features

• Minimum loan amount is $10,000
• Potential tax-deductible interest
• Flexibility to pay interest only or toward principal during the first ten years of the loan
• View our current rates