Consumer Loan Rates
Rates and fees are subject to change without notice.
Home Equity Rates
Rates are effective as of November 12, 2008.
| Loan Amounts | Maximum Term | Maximum LTV | Interest Rate | APR |
|---|---|---|---|---|
| EXECULINE HOME EQUITY - PERCENT-OF-BALANCE PAYMENTS (Disclaimer) | ||||
| $5,000 to $100,000 | None | 80% | 5.000% | 5.000% |
| $5,000 to $100,000 | None | 95% | 6.500% | 6.500% |
| EXECULINE HOME EQUITY - INTEREST-ONLY PAYMENTS (Disclaimer) | ||||
| $5,000 to $100,000 | 12 months | 80% | 6.500% | 6.500% |
| TRADITIONAL HOME EQUITY/HOME IMPROVEMENT (Disclaimer) | ||||
| $1,000 to $100,000 | 240 months | 80% | 7.250% | 7.256% |
| $1,000 to $100,000 | 240 months | 95% | 8.250% | 8.256% |
| Program Information | Apply Online | Calculate | Contact | ||||
Automobile and Light Truck Rates
Rates are effective as of October 9, 2008.
| Vehicle Model | Loan Amounts | Maximum Term | Maximum LTV | Interest Rate | APR |
|---|---|---|---|---|---|
| New Vehicles (Disclaimer) | |||||
| New Models | $1,500 to $40,000 | 48 months | 90% | 6.240% | 6.309% |
| New Models | $1,500 to $40,000 | 60 months | 85% | 6.240% | 6.295% |
| New Models | $1,500 to $40,000 | 72 months | 80% | 6.740% | 6.787% |
| Previously Owned (Disclaimer) | |||||
| 2008 and 2007 | $1,500 to $35,000 | 60 months | 100% | 6.500% | 6.564% |
| 2006 and 2005 | $1,500 to $30,000 | 54 months | 100% | 7.000% | 7.082% |
| 2004 thru 2001 | $1,500 to $25,000 | 48 months | 100% | 7.500% | 7.610% |
| Program Information | Calculate | Print Application | Contact | |||||
Personal Unsecured
Rates are effective as of October 9, 2008.
| Loan Amount | Maximum Term | Interest Rate | APR |
|---|---|---|---|
| PERSONAL UNSECURED (Disclaimer) | |||
| $1,000 to $5,000 | 24 months | 14.500% | 16.524% |
| Print Application |Contact | |||
Disclaimers
EXECULINE HOME EQUITY
Disclaimer
Execuline Home Equity lines of credit must be secured by owner-occupied residences.
The Maximum 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).
Under the Interest-Only program, payments are equal to the amount of accrued interest. Under the Percent-of-Balance program, payments are equal to the greater of 1.5 percent of the outstanding principal balance of the line of credit or the amount of accrued interest. Under both programs the minimum payment is $50.
The Annual Percentage Rate (APR), which may vary monthly, has a minimum of 5% for the 80% LTV Percent-of-Balance Execuline and 6.50% for the 95% LTV Percent-of-Balance Execuline and Interest-Only Execuline. The maximum APR is 18% for all Execuline programs. Certain restrictions apply. There are no closing or activity fees for the Percent-of-Balance Execuline. For the Interest-Only program, the borrower must pay a $500 origination fee. An appraisal fee is also required for loan requests with an LTV in excess of 60%. Property insurance is required. Consult your tax advisor regarding the deductibility of interest.
TRADITIONAL HOME EQUITY/HOME IMPROVEMENT
Home Equity loans must be secured by owner-occupied residences.
The Maximum 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 $198 would be required.
Certain restrictions apply. Borrower is responsible for closing costs. For example, a $10,000 loan secured by property in Kansas would involve closing costs totaling approximately $100. These costs are added to the loan amount and are not required to be paid out-of-pocket.
NEW AUTOMOBILE AND LIGHT TRUCK
The Maximum Loan-to-Value (LTV) is calculated using the purchase price of the vehicle, before any trade-in or other downpayment. Interest rates for 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 $40,000, 80% LTV, 72 monthly payments of $678 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 average approximately $60. These costs are added to the loan amount and are not required to be paid out-of-pocket.
PREVIOUSLY OWNED AUTOMOBILE AND LIGHT TRUCK
The Maximum Loan-to-Value (LTV) is calculated using the NADA loan value of the vehicle.
Interest rates for 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 2006 model year and a loan amount of $30,000, 54 monthly payments of $650 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 average approximately $60. These costs are added to the loan amount and are not required to be paid out-of-pocket.
PERSONAL UNSECURED
Interest rates for personal unsecured loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. For a $5,000 loan, 24 monthly payments of $246 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. Loan is subject to a 2 percent origination fee, with a minimum of $25. Borrower is also responsible for other closing costs, which average approximately $3. These costs are added to the loan amount and are not required to be paid out-of pocket.
