Home Equity Lines of Credit

Loans & Credit

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A Flexible, Revolving Line of Credit

Home equity lines of credit (HELOC) offer a flexible, revolving line of credit based on your home’s equity. This allows you to withdrawal (advance) up to 85% of your home’s value as needed over a five-year draw period. HELOC payments are amortized based on the advanced balance:

HELOC BalanceAmortization Term
$7,500 or less60 months
$7,500.01-$15,000120 months
Over $15,000180 months

Variable Rate

HELOCs at Capitol View offer a variable rate, based relative to the WSJ Prime rate (minus 0.50%). Contact a loan officer for additional details.

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Life is unpredictable. Safeguard your loan with debt protection coverage.

Learn About Debt Protection
Explore Our Fixed Rate Alternative

Explore Our Fixed Rate Alternative

Looking for a fixed rate option instead? Our home equity loans offer various terms at a fixed rate.

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To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Enter the term, rate, and either the payment or loan amount - the other will be calculated for you.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

You've seen all the low rates the auto dealers have been offering if you finance your new vehicle with them, but is this the best deal for you?

If you were to take the rebate, apply it to the cost of the vehicle and borrow the rest of the money from us, chances are your payment would be lower and you would save interest as well.

Fill out the form below using the cost of the vehicle, the total rebate, the dealer's interest rate, Credit Union's interest rate, and the length of the loan. Estimated payments will be calcualted, depending on where you borrow the money.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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