Great rates on a home equity line of credit start here

Contact us to get started

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:

  • Rate as low as Prime + 0.50% (Currently 5.75% 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 December 10, 2018 through December 31, 2018. All lines are subject to credit and collateral approval. Some restrictions apply. The variable Annual Percentage Rate (APR) may be as low as Prime Rate plus 0.50% when the line amount is over $50,000 but less than $100,000, the combined loan to value is less than 70%, the line is secured by a first lien on your primary residence, you have a minimum FICO of 720, and auto-debit of the regular HELOC monthly payment from a new or existing Capital Bank deposit account. Request for a new Home Equity Line of Credit (HELOC) is subject to a minimum line amount of $10,000. Your APR and fees may be higher or lower than the advertised rate based on combined loan to value, loan amount, credit history and other factors. Your APR can vary monthly based on the Prime Rate published daily in The Wall Street Journal. Prime was 5.25% as of November 28, 2018. Your rate can never exceed 21% APR. All lines are subject to an Annual Fee up to $50. 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 required and flood insurance 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.