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Home sweet home equity

Money when you need it. That's what you can expect from a home equity line of credit from Capital City Bank. Money to pursue continuing education. Money to undertake those renovations you've been putting off. Whatever your needs or desires, a home equity line of credit is easy to apply for and available when you need it.

Product Features
- Access cash—up to your full available credit limit—whenever you like*
- Six-month Introductory APR of just 1.99%, thereafter as low as 5.5%*
- No closing costs on lines up to $250,000**
- Easy approval up to 100% Loan-to-Value available***
- Amortizing and Interest-only payment options available
- Easy online application process
- Overdraft protection option for any Capital City Bank checking account^

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Disclosure: *Subject to credit and property approval. The introductory rate will be in effect for the first six (6) months after your account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate, which can range from Prime + 0% to Prime + 6% using the JP Morgan Chase Prime (JPMCP) rate (currently an APR of 5.5%) not to exceed 18% at any time. Information accurate as of 1/15/2019. After the promotional period, the variable standard APR will be based on your line amount, combined loan to value ratio, and credit rating. This offer is available to new equity line clients, and to existing equity line clients and is subject to change without notice. Hazard insurance required and flood insurance, if applicable. Exclusions and limitations apply.** No closing costs (except for survey if needed) will be assessed on lines up to $250,000, subject to the following conditions: (1) if applicable, Borrower will pay for the second and any subsequent valuations of the property; (2) in the event it becomes necessary to have a property survey conducted, Borrower will be responsible for the associated costs. Borrower will participate in closing costs for lines exceeding $250,000. Minimum line of $10,000 required. A minimum amount of $10,000 or 50% of the total credit line, whichever is less, must be drawn at closing or following any applicable right-to-cancel period. An annual fee of $50 will be charged on the first year anniversary after closing and each year thereafter. If you close your Credit Line and we release our lien within three (3) years from the date of closing, you will owe a prepayment penalty of 2% of the line amount not to exceed $1,500. ***Owner-occupied property only and CCB must be in a valid first or second lien position. Refer to HELOC application or ask your banker for complete details. This offer may be withdrawn at any time. ^Overdraft protection subject to transaction fees.


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Payment Protection

Accidents, illness, death, disability – all of these can wreak havoc on your financial situation. Take the worry out of your financial forecast with our Payment Protection program. Payment protection does exactly that – it protects your financial assets-and your credit scores – with a complete payoff of your loan should the unexpected occur. It‘s inexpensive and it can be conveniently included in your monthly payment. Contact a banker to enroll.