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Home Equity

Home Equity Interest Rates

Rates as of November 13, 2019

Home Equity Line of Credit Special Offer!

For a limited time, we are offering a low 3.30% APR* introductory rate for new home equity lines of credit. You must have a minimum of 700 credit score. 

Apply Now


Monthly Fixed-Rate Loans

Monthly Fixed-Rate Loans
Term (Years)Interest Rate90% LTV Interest RateAPR*
3 to 5 Years4.250%5.250%5.250%
6 to 10 Years4.625%5.625%5.625%
11 to 15 Years4.875%5.875%5.875%
Monthly Fixed-Rate Loan Payment Examples
Monthly Fixed-Rate Loans Payment Examples
Term (Years)Amount BorrowedMonthly PaymentTotal Loan & Interest (80% LTV)

Bi-weekly Fixed-Rate Loans

Bi-weekly Fixed-Rate Loans
Term (Years)Interest RateAPR*
3 to 5 Years4.000%4.000%
6 to 10 Years4.375%4.375%
11 to 15 Years4.625%4.625%

Automatic Payment is required on Bi-weekly Fixed-Rate Loans. APRs listed above take into account the .25% reduction for Automatic Payment.

Bi-weekly Fixed-Rate Loan Payment Examples
Bi-weekly Fixed-Rate Loans Payment Examples
Term (Years)Amount BorrowedBi-Weekly PaymentTotal Loan & Interest

Adjustable Rate Line of Credit


All loans require a collateral mortgage be filed. All loans 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. The lifetime cap is guaranteed not to exceed 16.0% APR, with a floor of 4.00% APR. Listed home equity fixed interest rates are based on an 80% or less loan to value (LTV). Payments reflect the principle and interest only.

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 This offer may be withdrawn at anytime, without notice. 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. 

*APR = Annual Percentage Rate.  Minimum line of $10,000 required – subject to credit approval.  The APR will be 3.30% for the first 12 months from the closing date of the line.  After 12 months, the APR will adjust to the highest Prime Rate published in the Wall Street Journal on the last business day of the prior month.  Assuming no change in the current Prime Rate as of September 20, 2019, the APR after 12 months would be 5.00%.  The lifetime cap for the line of credit is guaranteed not to exceed 16.00% APR, with a floor of 4.00% APR.  You will be required to reimburse Capital Bank certain fees paid to third parties if the line is terminated within three years of the opening date.  These can be as low as $590.50 for a $10,000 credit line or as high as $1,540.50 for a $200,000 credit line.  Collateral mortgage required to be filed.  Consult your tax adviser for more information regarding the potential deductibility of interest and fees.