Home Equity Line of Credit

Home Equity Line of Credit

your potential is open-ended

An Execuline home equity line of credit is a loan which allows you to use the equity in your house to establish an open-end line of credit. Capitol Federal's Home Equity Lines of Credit:
  • 7-year draw term with a 10-year repayment term
  • Minimum monthly payment is greater of $50 or 1.5% of principal balance during the Draw Term. Amortizing payments during the repayment term
  • Interest accrues only on the amounts you borrow, and at favorable rates
  • No closing costs* and NO POINTS**
  • Borrow up to 90% of the current market value of your home, less any outstanding mortgage balance (subject to maximum loan amounts)
  • Convenient monthly statements that show all transactions and provide complete financial information, including your payment
4 easy ways to access your line of credit:
  • By checks
  • By Visa® access card
  • By True Blue Online® transfer to a CapFed® checking account
  • By cash advances at any CapFed location

Capitol Federal® also offers an interest only line of credit option that can be used as a swing or bridge loan to assist with the down payment on the purchase of a new home.  Monthly payments are interest only and the loan term is 12 months.

For additional information, please refer to disclosures contained in the loan application. You may download a Home Equity Loan Application and an Execuline (Percent of Balance) Application Packet or download an Execuline (Interest Only) Application Packet, if you wish to apply by mail or in person at a Capitol Federal branch location. Fax completed applications to 785-270-6024.

* Appraisal may be required at owner’s expense. 

**Please see loan rates for current interest rates, terms and additional information.

Loan information is subject to change.  Certain restrictions apply.

Apply Online

Complete a CapFed® home equity application online.

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Contact a local mortgage consultant to help you.

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Visa® Purchase Alerts image

get notified of transactions in real-time

Sign up to participate in Visa® Purchase Alerts and establish specific alert triggers for any qualified Visa® transaction meeting your criteria. Alerts are real-time, and an email will be generated within seconds to the email address you provide. 

Transaction alerts include:

  • Purchase thresholds
  • International transactions
  • Card absent transactions, such as internet and phone transactions
This service is available to all True Blue® Direct debit cardholders, Execuline Visa® cardholders and True Blue® Money cardholders at no charge.

Keep your account secure and track spending for greater control.

More on Purchase Alerts Enroll Your Card