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Current Rates
Home Equity Interest Rates from Capital Bank
Rates as of June 10, 2025
Monthly Fixed-Rate Loans
1st Lien
LTV 1st Lien
Term
(Years)
80% LTV
(1st Lien) Interest Rate
APR*90% LTV
(1st Lien) Interest Rate
APR*
3 to 5 Years5.875%5.875%6.125%6.125%
6 to 10 Years6.125%6.125%6.250%6.250%
11 to 15 Years6.625%6.625%6.875%6.875%
Payment Examples
80% CLTV 2nd Lien
Term
(Years)
Amount
Borrowed
Monthly
Payment
Total Loan & Interest
(80% LTV 1st Lien)
4$10,000$234.28$11,245.30
8$10,000$132.02$12,674.38
13$10,000$95.79$14,942.41
Payment Examples
90% CLTV 2nd Lien
Term
(Years)
Amount
Borrowed
Monthly
Payment
Total Loan & Interest
(90% LTV 1st Lien)
4$10,000$235.42$11,245.30
8$10,000$132.63$12,674.38
13$10,000$97.13$14,942.41
Monthly Fixed-Rate Loans
2nd Lien
CLTV 2nd Lien
Term
(Years)
80% CLTV
(2nd Lien) Interest Rate
APR*90% CLTV
(2nd Lien) Interest Rate
APR*
3 to 5 Years6.250%6.250%6.750%6.750%
6 to 10 Years6.500%6.500%6.875%6.875%
11 to 15 Years7.000%7.000%7.625%7.625%
Payment Examples
80% CLTV 2nd Lien
Term
(Years)
Amount
Borrowed
Monthly
Payment
Total Loan & Interest
(80% LTV 1st Lien)
4$10,000$236.00$11,327.89
8$10,000$133.86$12,850.82
13$10,000$97.81$15,257.55
Payment Examples
90% CLTV 2nd Lien
Term
(Years)
Amount
Borrowed
Monthly
Payment
Total Loan & Interest
(90% LTV 1st Lien)
4$10,000$238.30$11,438.66
8$10,000$135.72$13,028.61
13$10,000$101.23$15,790.71
Bi-Weekly Fixed-Rate Loans
1st Lien
LTV 1st Lien
Term
(Years)
80% LTV
(1st Lien) Interest Rate
APR*90% LTV
(1st Lien) Interest Rate
APR*
3 to 5 Years5.625%5.625%5.875%5.875%
6 to 10 Years5.875%5.875%6.000%6.000%
11 to 15 Years6.375%6.375%6.625%6.625%
Payment Examples
80% LTV 1st Lien
Term
(Years)
Amount BorrowedBi-Weekly PaymentTotal Loan & Interest
4$10,000$116.57$11,073.56
8$10,000$65.40$12,282.48
13$10,000$47.23$14,121.51
Payment Examples
90% LTV 1st Lien
Term
(Years)
Amount BorrowedBi-Weekly PaymentTotal Loan & Interest
4$10,000$117.14$11,122.34
8$10,000$65.71$12,332.95
13$10,000$47.89$14,290.88
Bi-Weekly Fixed-Rate Loans
2nd Lien
CLTV 2nd Lien
Term
(Years)
80% CLTV
(2nd Lien) Interest Rate
APR*90% CLTV
(2nd Lien) Interest Rate
APR*
3 to 5 Years6.000%6.000%6.500%6.500%
6 to 10 Years6.250%6.250%6.625%6.625%
11 to 15 Years6.750%6.750%7.375%7.375%
Payment Examples
80% CLTV 2nd Lien
Term
(Years)
Amount BorrowedBi-Weekly PaymentTotal Loan & Interest
4$10,000$117.43$11,146.76
8$10,000$66.32$12,434.06
13$10,000$48.23$14,375.64
Payment Examples
90% CLTV 2nd Lien
Term
(Years)
Amount BorrowedBi-Weekly PaymentTotal Loan & Interest
4$10,000$118.57$11,244.65
8$10,000$67.24$12,586.18
13$10,000$49.93$14,800.19
Adjustable Rate Line of Credit
Loan TypeAPR*
Flex+7.50%**

*APR = Annual Percentage Rate **The Daily Periodic Rate and its corresponding Annual Percentage Rate may change (increase or decrease) the day the Index changes. The lifetime cap is guaranteed not to exceed 16.0% APR, with a floor of 4.00% APR. All loans require a collateral mortgage be filed. All loans subject to credit approval. Interest rates subject to change without notice. Automatic Payment required from a Canal Bank checking account on Bi-weekly Fixed-Rate Loans. APRs listed for Bi-Weekly Fixed-Rate Loans take into account a 0.25% reduction for Automatic Payment. Payments reflect the principal and interest only. Homeowners hazard insurance required on all properties and flood insurance required on all properties in flood zones. For more information, please call us at (607) 737-3793 or toll-free at (800) 836-3711 and ask to speak with a Home Equity Specialist.

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