Rates and fees are subject to change without notice. Rates are effective as of March 08, 2024.
| Loan Amounts | Maximum Term | Maximum LTV | Interest Rate | Annual Percentage Rate (APR) |
|---|---|---|---|---|
| Execuline Home EquityLine of Credit(Disclaimer*) | ||||
| $6,000 to $200,000 7-year draw term | 17 years | 80% | 9.000% | 9.000% |
| $6,000 to $100,0007-year draw term | 17 years | 90% | 11.000% | 11.000% |
| Execuline Home Equity Line of Credit - Interest-Only Payments(Disclaimer*) | ||||
| $6,000 to $200,000 | 12 months | 80% | 11.000% | 11.000% |
| Home Equity/Home Improvement - 2nd Mortgage (Disclaimer**) | ||||
| $1,000 to $200,000 | 84 months | 80% | 8.500% | 8.500% |
| $1,000 to $200,000 | 120 months | 80% | 8.750% | 8.750% |
| $1,000 to $200,000 | 240 months | 80% | 9.250% | 9.250% |
| $1,000 to $100,000 | 84 months | 95% | 9.000% | 9.000% |
| $1,000 to $100,000 | 120 months | 95% | 9.250% | 9.250% |
| $1,000 to $100,000 | 240 months | 95% | 9.750% | 9.750% |
| Home Equity/Home ImprovementLoan - 1st Mortgage (Disclaimer***) | ||||
| $1,000 to $40,000 | 84 months | 25% | 6.750% | 6.750% |
| $1,000 to $40,000 | 120 months | 25% | 7.000% | 7.000% |
Home Equity Loan Application
execuline home equity disclaimer*
Execuline Home Equity Lines of Credit must be secured by owner-occupied residences.
The Maximum Loan-to-Value (LTV) is calculated using either the current tax assessment value of the property or a recent appraisal performed by a Capitol Federal®-approved appraiser. For example, if the property value is $125,000 and the first mortgage balance is $75,000, the maximum loan amount for an 80 percent tier Execuline would be $25,000 ($125,000 multiplied by 80%, less the first mortgage balance).
The Percent-of-Balance program has a 7-year draw term with a 10-year repayment period. Borrowers may take advances from the line of credit during the draw term. Payments during the draw term are equal to the greater of 1.5 percent of the outstanding principal balance of the line of credit, $50.00 or the amount of accrued interest. During the repayment period, payments will be amortized over a 10-year period. The Annual Percentage Rate (APR), which may vary monthly, has a minimum of 4.000% for the 80% LTV Execuline, 6.000% for the 90% LTV Execuline. The APR will be variable during the draw term and repayment term. The maximum APR is 18.000%. There are no closing or activity fees for the Percent-of-Balance Execuline. An appraisal fee may be required based on loan amount and/or LTV. These fees generally total between $0.00 and $500.00. If you ask, we will give you an itemization of the fees you will have to pay. Estimated maximum payment does not include amounts for taxes and insurance. Actual payment obligation may be greater.Property insurance is required.
Under the Interest-Only program, payments are equal to the greater of the amount of accrued interest or $50. The Interest-Only Line of Credit program is only allowed as a swing/bridge loan to assist with the down payment on the purchase of a new home. The Annual Percentage Rate (APR), which may vary monthly, has a minimum of 6.000%. The borrower must pay a $500 origination fee.An appraisal fee is also required for loan requests with an LTV in excess of 60%. These fees generally total between $0.00 and $500.00. If you ask, we will give you an itemization of the fees you will have to pay. Using the example of a $200,000 loan, 80% LTV loan, 11 monthly payments of $1,833 would be required with a final payment of $201,833. The entire outstanding balance is required to be paid at loan maturity. Estimated maximum payment does not include amounts for taxes and insurance. Actual payment obligation may be greater. Minimum payments will not repay the outstanding principal.
Certain restrictions apply.
Traditional home equity/home improvement - SECOND mortgage disclaimer**
Home equity loans or second mortgages, must be secured by owner-occupied residence.The Maximum Loan-to-Value (LTV)is calculated using either the current tax assessment value of the property or a recent appraisal performed by a Capitol Federal®-approved appraiser. For example, if the property value is $125,000 and the first mortgage balance is $75,000, the maximum loan amount for an 80 percent tier home equity/home improvement loan would be $25,000 ($125,000 multiplied by 80%, less the first mortgage balance). Interest rates for closed-end home equity loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. Using the example of a $25,000, 80% LTV loan, 240 monthly payments of $229 would be required. Estimated maximum payment does not include amounts for taxes and insurance. Actual payment obligations may be greater. Property insurance is required.
Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
Traditional home equity/home improvement - FIRST mortgage disclaimer***
Loan must be in 1st lien position. Must be secured by owner-occupied residence.The maximum loan amount is $40,000 or a Maximum Loan-to-Value (LTV)of 25%, whichever is less. The maximum LTV is calculated using the current tax assessment value of the property.For example, if the property value is $100,000, the maximum loan amount is limited to $25,000 ($100,000 multiplied by 25%).
Interest rates for closed-end home equity loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. Using the example of a $40,000 loan, 120 monthly payments of $464 would be required.Estimated maximum payment does not include amounts for taxes and insurance. Actual payment obligations may be greater. Property insurance is required.
Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
Consumer Lot Loan Rates
Rates and fees are subject to change without notice. Rates are effective as of March 07, 2024.
| Loan Amounts | Maximum Term | Maximum LTV | Interest Rate | Annual Percentage Rate(APR) |
|---|---|---|---|---|
| $1,000 to $200,000 | 60 months | 75% | 10.750% | 11.207% |
Consumer Lot Loan Application
Consumer Lot Loan Disclaimer
Loan must be in 1st lien position. Buildable residential lots/acreage only. Property must be zoned for residential 1-4 family prior to loan closing. The maximum loan amount is $200,000 or a Maximum Loan-to-Value (LTV)of 75%, whichever is less. The maximum LTV is calculated using the appraised value of the property. For example, if the property value is $100,000, the maximum loan amount is limited to $75,000 ($100,000 multiplied by 75%). Interest rates for lot loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. Using the example of a $200,000 loan, 59 monthly payments of $2,726 would be required with a final payment of $128,862. Estimated maximum payment does not include amounts for taxes and insurance. Actual payment obligation may be greater. Minimum payments will not repay the outstanding principal. The entire outstanding balance is required to be paid at loan maturity. Certain restrictions apply. Borrower is responsible for closing costs.
Automobile, light truck and Motorcycle rates
Rates and fees are subject to change without notice. Rates are effective as of March 08, 2024.
| Vehicle Model | Minimum Loan | Maximum Term | Maximum LTV | Interest Rate | Annual Percentage Rate(APR) |
|---|---|---|---|---|---|
| New Vehicles | |||||
| New Models | $1,500 | 48 months | 100% | 7.000% | 7.103% |
| New Models | $1,500 | 60 months | 100% | 7.250% | 7.334% |
| New Models | $1,500 | 72 months | 100% | 7.500% | 7.571% |
| Previously Owned | |||||
| 4 Recent Model Years | $1,500 | 48 months | 100% | 7.000% | 7.147% |
| 4 Recent Model Years | $1,500 | 60 months | 100% | 7.250% | 7.370% |
| 8 Recent Model Years | $1,500 | 48 months | 100% | 7.500% | 7.648% |
| 9 or Older Recent Model Years | $1,500 | 36 months | 100% | 8.000% | 8.194% |
Vehicle Loan Application
new automobile, light truck and Motorcycle disclaimer
The Maximum Loan-to-Value (LTV) is calculated using the purchase price of the vehicle, before any trade-in or other down payment. Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes a $50,000 loan amount for the maximum term. Using the example of a $50,000 loan, 72 monthly payments of $866 would be required. The interest rate and corresponding APR may be reduced by 0.25 percent with preauthroized payment from a Capitol Federal® checking or savings account.
Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
previously owned automobile, light truck and motorcycle disclaimer
The Maximum Loan-to-Value (LTV) is calculated using the NADA retail value of the vehicle.
Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR)assumes a $35,000 loan amount for the maximum term. Using the example of a $35,000 loanamount on a vehicle within the four most recent model years, 60 monthly payments of $699 wouldbe required. The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.
Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
Recreational vehicle Rates
Rates and fees are subject to change without notice. Rates are effective as of March 07, 2024.
Includes Travel Trailers, Fifth-wheel Trailers and Motorized Homes.
| Recreational Vehicle Model | Loan Amounts | Maximum Term | Maximum LTV | Interest Rate | Annual Percentage Rate(APR) |
|---|---|---|---|---|---|
| 9 Recent Model Years | $2,000 to $75,000 | 120 months | 100% | 8.750% | 8.781% |
| 10 or Older Model Years | $2,000 to $75,000 | 84 months | 100% | 9.250% | 9.292% |
Recreational Vehicle Loan Application
Recreational Vehicle Disclaimer
The Maximum Loan-to-Value (LTV) for a new recreational vehicle is calculated using the purchase price of the recreational vehicle, before any trade-in or other down payment. The Maximum Loan-to-Value (LTV) for a used recreational vehicle is calculated using the NADA retail value of the vehicle. Interest rates for recreational vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. Using the example of a $75,000, 120 monthly payments of $941 would be required.The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.
Certain restrictions apply. Borrower is responsible for closing costs, which are added to the loan amount and not required to be paid out-of-pocket.
personal unsecured
Capitol Federal has partnered with Quilo™ to make applying for an unsecured personal loan quick and simple.
- Fixed interest rates
- No origination or application fee
- Immediate loan decisions
Apply Using Quilo™
personal unsecured disclaimer
Interest rates and loan terms vary based on credit worthiness, length of term, and loan amount. Longer loan terms and larger loan amounts may result in a higher Annual Percentage Rate (APR).The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment. Certain restrictions apply. Must be a Capitol Federal checking account and debit card holder.
Unsecured Line of Credit (Overdraft Protection)
Rates and fees are subject to change without notice. Rates are effective as of March 07, 2024.
| Loan Amount | Maximum Term | Interest Rate | Annual Percentage Rate (APR) |
|---|---|---|---|
| $500 to $2,500 | N/A | 18.000% | 18.000% |
Unsecured Line of Credit Application
Unsecured Line of Credit Disclaimer
Interest rates for unsecured lines of credit are fixed for the term of the loan. Checking Account must exist or be opened and setup with overdraft protection using the line of credit.
Certain restrictions apply.
