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There is a loan right for you - learn more.

Need a loan? Capital City Bank offers a variety of smart, realistic options to help you reach your goals. Even better, our friendly and knowledgeable associates can assist you in determining what loan is best for you.

> Home Equity
  • Six-month Introductory APR of just 1.99%, thereafter as low as 4.25%*
  • No closing costs on lines up to $250,000**
  • Easy application process
  • Interest-only payment option available
  • Borrow up to 100% of your home's equity***
  • Overdraft protection option for any Capital City Bank checking account^

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*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 3.25%) not to exceed 18% at any time. Information accurate as of 02/26/2014. 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 with an increase in their existing credit line of at least $15,000.00 and is subject to change without notice. Hazard insurance required and flood insurance, if applicable. Exclusions and limitations apply.
** No closing costs will be assessed on lines up to $250,000, subject to the following conditions: (1) Borrower must have a Capital City Bank deposit account; and (2) if applicable, Borrower will pay for the second and any subsequent valuations of the property. Borrower will participate in closing costs for lines exceeding $250,000. Minimum line of $15,000 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 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 a banker for complete details. This offer may be withdrawn at any time.
^Overdraft Protection subject to transaction fees.

 

> Mortgages
  • An array of borrowing options, including fixed and adjustable rate mortgages,
    construction to permanent loans, and VA and FHA loans
  • Affordable mortgage rates
  • Easy online pre-qualifying and application process
  • Quick approval time

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*Subject to credit approval. Loans are not made or originated by the FHA, VA, HUD, or any other government entity.

> Auto Loans
  • Lower rates than unsecured installment loans
  • Quick, hassle-free application process
  • Free automatic payment deduction from your checking account
  • Financing for new and used vehicles

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*Subject to credit approval.

> Boat Loans
  • Flexible terms structured to the borrower’s income
  • Lower rates than unsecured installment loans
  • Quick, hassle-free application process
  • Free automatic payment deduction from your checking account
  • Financing for boats, trailers and motors

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*Subject to credit approval.

> Consumer Installment Loans
  • Flexible terms structured to the borrower’s income
  • Quick, hassle-free application process
  • Free automatic payment deduction from your checking account
  • Finance your personal needs without dipping into savings
  • Same-day approval for most loan applications

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*Subject to credit approval.

> Recreational Vehicles
  • Flexible terms structured to the borrower’s income
  • Lower rates than unsecured installment loans
  • Quick, hassle-free application process
  • Free automatic payment deduction from your checking account
  • Financing for new and used recreational vehicles

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*Subject to credit approval.

> Energy-Saving Project Loans*
  • Energy-Efficient Appliances
  • Water-Saving Sprinkle System Upgrades
  • Energy-Efficient Windows & Doors

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*Subject to credit approval.

All loans subject to credit approval.

 

Home Equity Line of Credit