All loans subject to credit approval and may be subject to property approval. See individual product descriptions for additional disclosures.
*Home Equity Line of Credit: Subject to credit and property approval. The introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR) that can range from Prime + 0% (currently 3.25% APR) to Prime + 6% (currently 9.25% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time. Information accurate as of 03/16/2020. After the promotional period, the variable standard APR will be based on the borrower’s line amount, combined loan-to-value ratio, and credit rating. Hazard insurance required and flood insurance, if applicable. Exclusions and limitations apply. Minimum line of $10,000 required. A minimum amount of $10,000 or 50% of the credit line amount, whichever is less, must be drawn at closing or following any applicable right to cancel period. An annual fee of $50 is charged on the first year anniversary after closing and each year thereafter. A prepayment penalty of 2% of the original credit line amount, not to exceed $1,500, will be assessed if the credit line is closed within three (3) years of the origination date. The borrower may pay the credit line down to zero without closing the line of credit or without incurring a prepayment penalty. Existing equity line clients are eligible for this offer if the credit line is at least three (3) years past origination date, the total line amount increases by at least $5,000, and the borrower has not previously received a renewal promotional rate during the life of the credit line. Consult a tax advisor about possible tax benefits. Owner-occupied property only and Capital City Bank must be in a valid first or second lien position. Refer to loan application or ask a banker for complete details. This offer is subject to change without notice and may be withdrawn at any time.
^Overdraft protection subject to transaction fees.