Great rates on a home equity line of credit start here

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Whether you’re making home repairs or looking to consolidate your debts,* a Home Equity Line of Credit can help you make it happen. Benefits include:

  • Intro rate of 1.99% APR for 6 months, then a variable rate as low as Prime + 0.40% (Currently 5.65% APR)**
  • Withdraw funds as you need them
  • Easy access to your credit line credit card or checks

To get the process started, complete the form to the right to have a Capital Bank representative contact you.


Questions? Contact us at 866-206-4330 or stop by a branch.


* Before consolidating debt you should consider all factors, including the cost of consolidation compared to the benefits.

** Rate offer is good for applications taken August 1, 2019 through January 31, 2020. All lines are subject to credit and collateral approval. Some restrictions apply. Fixed introductory rate of 1.99% is good for 6 months from closing date. After introductory period, the variable Annual Percentage Rate (APR) may be as low as Prime plus 0.40% for qualified borrowers. To obtain the 1.99% intro rate, you must have a minimum line of $25,000, a minimum draw at closing of $20,000 and are subject to a $150 Commitment Fee.

The variable Annual Percentage Rate (APR) may be as low as Prime plus 0.40% for qualified borrowers when the line amount is over $50,000 but less than $100,000, the combined loan to value (CLTV) is less than 70%, the line is secured by a first lien on your primary residence, you have a minimum FICO of 761, you have a balance of over $10,000 but less than $49,999.99 in a Capital Bank deposit account, and auto-debit is set up for your regular Home Equity Line of Credit (HELOC) monthly payment from a new or existing Capital Bank deposit account. Request for a new HELOC is subject to a minimum line amount of $10,000. Your APR after the intro period may be higher than the advertised rate based on lien position, CLTV, credit history and other factors. Your APR can vary monthly based on the Prime Rate published in The Wall Street Journal (Prime). Prime was 5.25% as of August 1, 2019. Your rate can never exceed 21% APR. All lines are subject to an Annual Fee of up to $50. Actual appraisal costs will be charged on lines where a minimum draw of $25,000 is not made at closing. An early Termination Fee of the lesser of $500 or 2% of the credit limit will be charged for lines closed within 36 months for reasons other than refinance with Capital Bank or direct physical loss or damage of property. Direct physical loss or property damage does not include normal wear and tear or progressive deterioration. Property insurance is required and flood insurance is required where necessary.

Equal Housing Lender Subject to credit approval. Some restrictions apply.
First Tennessee Bank National Association operating as First Tennessee Bank and Capital Bank. Member FDIC.