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Home Equity


Flexible access to your home's equity


Turn your home’s value into a flexible line of credit perfect for home improvements, unexpected expenses or opportunities you don’t want to miss. A HELOC is simple to apply for, available when you need it and offers rates typically lower than other forms of credit.

Get a home equity line of credit for fast, flexible access to funds


6-MONTH
INTRODUCTORY RATE		 CURRENT VARIABLE RATE AS LOW AS
5.75% APR* 
 7.25% APR*
Bank Pays Customary Closing Costs
ON LINES UP TO $200,000*
Floor rate of 4.25%

 

Key advantages:
  • Access to cash, up to your full available credit limit, when you need it
  • Up to 100% Loan-to-Value available for qualified borrowers*
  • Interest-only payments during the draw period
  • No origination fee on most HELOCs
  • Use your line again and again during the draw period with no need to reapply
  • Local decision-making and personalized service
  • Overdraft protection option for any Capital City Bank checking checking account^

Use your HELOC for a variety of purposes

Unlock the possibilities with a home equity line of credit. Whatever your plans or project, a HELOC is a flexible funding solution for the moments that matter.


Home renovations and improvements
Upgrade your kitchen or tackle repairs on your timeline.
Education expenses
Cover tuition or ongoing education costs without disrupting savings.
Debt consolidation
Combine higher-interest balances into one payment.
Emergency expenses
Have a financial safety net for unexpected life events.
Major purchases
Fund big moments like travel, a vehicle or large investment.

Apply Now   HELOC CALCULATOR   Help Me Decide
   
 

Calculate the home equity line of credit amount you may qualify to receive based on your home’s value.

 

Common questions about home equity lines of credit 

A home equity line of credit lets you borrow against the available equity in your home, using your home as collateral, and is available for primary and secondary residences and mobile homes.

The amount you can borrow is based on the appraised value of your home and the amount of any outstanding home loans you might have, including first mortgages, second mortgages and any other debt you have secured by your home. In general, you may be able to borrow up to 70 – 100% of your home’s value, depending on the total loan amount. Estimate your HELOC amount.

Upon opening your home equity line of credit, you must make the minimum initial draw of $10,000 or 50% of the line, and you can repay this amount at any time. To avoid any prepayment penalties, you will need to keep your line of credit open for three years.

Your HELOC has two phases. The draw period is 10 years, and during this time, you can access funds as needed, using your line again and again without needing to reapply and making interest-only payments. The repayment period is 15 years. During this phase, you can no longer draw funds, and your monthly payments will increase as you are paying down your balance with principal and interest.

Your available line is based on the appraised value of your home and the amount of any outstanding home loans you might have, including first mortgages, second mortgages and any other debt you have secured by your home. In general, you may be able to borrow up to 70 – 100% of your home’s value, depending on the total loan amount. Estimate your HELOC amount.

 Estimate your HELOC amount
Customary closing costs include flood determination, credit reporting, title search, tax service, doc stamps and intangible tax. Capital City Bank will cover standard closing costs for HELOCs up to $200,000. If your line exceeds that amount, or if special circumstances apply, you may be responsible for a portion of the costs.

We’ll clearly outline any costs before closing.

    • Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
    • The amount of your mortgage payment
    • Estimated value of your home (Refer to your local property appraiser or tax assessor) 
    • Your employment information
    • Your income

Start your application

During the 10-year draw period, payments are interest-only, calculated on your outstanding balance. During the 15-year repayment period, monthly payments will increase because they include both principal and interest. Your exact payment amount will depend on your balance, interest rate and loan terms. 

You can pay down or pay off your balance anytime during the draw period or repayment period. Paying down your balance during the draw period can free up available credit to borrow again, subject to your credit limit. Paying off the balance early may reduce the total interest you pay over time, but keep in mind that to avoid any prepayment penalties, the line must remain open for at least three years from the date it is established.

Log into your online banking service to manage your HELOC quickly and easily from your online banking dashboard.

Clients without a Capital City Bank deposit account may make payments using our Loan Payment Portal. At ccbg.com, click Log In at the top right, click the arrows to expand the account list and select Loan Payments. View additional Loan Payment Portal help.





























Minimum Initial Withdrawal: Lessor of $10,000 or 50% of the line
Annual Fee: $50
Origination Fee: None for most HELOCs
Closing Costs: Bank covers standard closing costs up to $200,000
Minimum Monthly Payments: Interest only during the Draw Period (10 years) then principle plus interest during the Repayment Period (15 years)
Prepayment penalty: Up to 2% of loan amount with a maximum of $1,500 if closed within three years
Appraisal (if required): Paid by the client
 

Calculate START YOUR APPLICATION CONNECT WITH A BANKER

Common questions about home equity lines of credit

A home equity line of credit lets you borrow against the available equity in your home, using your home as collateral, and is available for primary and secondary residences and mobile homes.

The amount you can borrow is based on the appraised value of your home and the amount of any outstanding home loans you might have, including first mortgages, second mortgages and any other debt you have secured by your home. In general, you may be able to borrow up to 70 – 100% of your home’s value, depending on the total loan amount. Estimate your HELOC amount.

Upon opening your home equity line of credit, you must make the minimum initial draw of $10,000 or 50% of the line, and you can repay this amount at any time. To avoid any prepayment penalties, you will need to keep your line of credit open for three years.

Your HELOC has two phases. The Draw Period is 10 years, and during this time, you can access funds as needed, using your line again and again without needing to reapply and making interest-only payments. The Repayment Period is 15 years. During this phase, you can no longer draw funds, and your monthly payments will increase as you are paying down your balance with principal and interest.

Log into your online banking service to manage your HELOC quickly and easily from your online banking dashboard.

Clients without a Capital City Bank deposit account may make payments using our Loan Payment Portal. At ccbg.com, click Log In at the top right, click the arrows to expand the account list and select Loan Payments. View additional Loan Payment Portal help.
Customary closing costs include flood determination, credit reporting, title search, tax service, doc stamps and intangible tax. Capital City Bank will cover standard closing costs for HELOCs up to $200,000. If your line exceeds that amount, or if special circumstances apply, you may be responsible for a portion of the costs.

We’ll clearly outline any costs before closing.

    • Photo ID (Accepted forms include U.S. Driver’s License or Passport with Photo)
    • The amount of your mortgage payment
    • Estimated value of your home (Refer to your local property appraiser or tax assessor) 
    • Your employment information
    • Your income

Start your application

Your available line is based on your home’s value and existing mortgage balance. In general, you may be able to borrow up to 70 – 100% of your home’s value, depending on the total loan amount.

 Estimate your HELOC amount

















































































































































Important Information
*All loans 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 + 0.5% (currently 7.25% APR) to Prime + 6.5% (currently 13.25% APR), using the JP Morgan Chase Prime (JPMCP) rate, not to exceed 18% at any time. Information accurate as of 04/14/26. 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. Bank will pay customary closing costs on lines up to $200,000, which may include flood determination fee, credit reporting fees, title search fees, recording fees, tax service fee, and documentary stamp and intangible tax fees. If required, borrower pays appraisal and survey related charges.  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. Consult a tax advisor about possible tax benefits. Minimum line of $10,000 required and maximum line amount not to exceed $500,000. Exclusions, limitations and funding requirements apply. Additional Limitations and conditions apply for existing HELOC clients. Refer to product disclosure or ask a banker for complete details. Offer available for limited time. ^Overdraft protection subject to transaction fees.