Home Equity Loans

Home equity loans available with low rates and local service. Plan your home improvement project, today.
See Rates

What would you do if you could use the equity in your house for purchases?  Home improvements, debt consolidation, or a new car?  It’s up to you.  You can even get a Capitol Federal® Home Equity Loan no matter where you have your first mortgage. You'll enjoy a low rate and your loan always stays with us.

Conventional Home Equity

A traditional home equity loan from Capitol Federal® offers:

  • A fixed-rate
  • A fixed-term
  • Up to 90% of the current market value of your home, less any outstanding mortgage balance (subject to program maximum loan amount)

For current interest rates, terms and additional information, please see loan rates.

 Loan Rates

Home Equity for Home Improvement

A Home Improvement Loan* from Capitol Federal® offers:

  • Up to 90% of the current market value of your home, less any outstanding mortgage balance
  • The ability to use for remodeling, room additions, repairs and many other improvements
  • An easy loan process - You don't have to obtain multiple contractor bids, escrow funds or wait for the periodic inspections on completed work

*For improvements only, not for rehabilitation projects.

Application Packet - Closed-End Home Equity
Application Packet - Execuline Percent of Balance
Application Packet - Execuline Interest Only

Apply Online

Loan information is subject to change. Certain restrictions apply.

With HELOC Your Potential is Open-Ended

An Execuline HELOC is a loan that allows you to use the equity in your home to establish an open-end line of credit.  You can access your HELOC in 4 easy ways: checks, VISA® access card, True Blue Online® transfer from a CapFed® checking account and cash advances at any CapFed branch, and then use the money any way you’d like. Perfect for:

  • Home Improvement Projects
  • College Tuition
  • Vacation Expenses
  • New Car Purchase
More on HELOC Apply Now
Press release on tablet.
June 24, 2025

Capitol Federal® Donates $10,000 to Special Olympics & Celebrates $100 Million in Total Giving Since Inception

The Capitol Federal Foundation® presented a $10,000 donation to Special Olympics Kansas in a check presentation ceremony today at the Capitol Federal® Home Office branch in downtown Topeka.
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CapFed® Presents U.S. Flags to Senior Living Communities in Honor of Flag Day

In honor of Flag Day 2025, Capitol Federal® continued its annual tradition of presenting U.S. Flags that flew over the Capitol in Washington, D.C. to local community organizations. This year, CapFed® staff presented flags to senior living communities in each of our local areas.
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As we approach summer and the halfway point of 2025, I’d like to express my sincere gratitude for your continued trust in CapFed® as your banking partner. I’d like to take a moment to share a few updates so far this year at Capitol Federal®.
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