promo code

online banking:

Forgot Your ID or Password

If you have forgotten your Capital City Bank Online User ID:

Please contact the Client Service Center Monday through Friday, 8:00 a.m. – 6:00 p.m. ET at 888.671.0400.

If you have forgotten your Capital City Bank Online Password:

Please click here to enter your Capital City Bank Online User ID and follow the prompts to reset your password.

Home Equity Line of Credit

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. Begin by completing an application. Once you are approved, you can access cash—up to your full available credit limit—whenever you like, with no questions asked.

Access is easy: Transfer funds to your account using Capital City BankOnLine. You can also receive a book of checks that can be written as needed for purchases. Simply pay the borrowed funds back over time, according to the terms of the account.

Personalized assistance is available by calling 888.671.0400 Monday - Friday from 8 a.m. to 6 p.m. EST.

Product Features

  • Six-month Introductory APR of just 1.99%, thereafter as low as 4.5%*
  • No closing costs on lines up to $250,000**
  • Possible tax benefits***    
  • Easy approval up to 100% Loan-to-Value available****
  • Amortizing option available
  • Interest-only payment option available
  • Easy online application process
  • Overdraft protection option for any Capital City Bank checking account^

Apply Now

Payment Protection


*Subject to Credit 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 + 1% to Prime + 4.5% using the JP Morgan Chase Prime (JPMCP) rate (currently an APR of 3.50%) not to exceed 18% at any time. Information accurate as of 03/11/2016. 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 need) 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. 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.***Consult your tax advisor about possible tax benefits.****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.


Feature Product