Consumer Loan Rates

Capitol Federal® offers a wide range of loans with competitive rates to help you make your next big purchase. See our current loan interest rates.

Execuline and Home Equity Rates

Rates and fees are subject to change without notice.

Rates are effective as of December 22, 2024
Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
Execuline Home Equity Line of Credit

Loan Amounts

$6,000 to $300,000 (7-year draw term)

Maximum Term

17 Years

Maximum LTV

80%

Interest Rate

8.250%

Annual Percentage Rate (APR)

8.250%

Loan Amounts

$6,000 to $200,000 (7-year draw term)

Maximum Term

17 Years

Maximum LTV

90%

Interest Rate

10.250%

Annual Percentage Rate (APR)

10.250%
Execuline Home Equity Line of Credit - Interest-Only Payments

Loan Amounts

$6,000 to $300,000

Maximum Term

12 Months

Maximum LTV

80%

Interest Rate

10.250%

Annual Percentage Rate (APR)

10.250%
Home Equity/Home Improvement - 2nd Mortgage

Loan Amounts

$1,000 to $300,000

Maximum Term

84 Months

Maximum LTV

80%

Interest Rate

8.000%

Annual Percentage Rate (APR)

8.000%

Loan Amounts

$1,000 to $300,000

Maximum Term

120 Months

Maximum LTV

80%

Interest Rate

8.250%

Annual Percentage Rate (APR)

8.250%

Loan Amounts

$1,000 to $300,000

Maximum Term

240 Months

Maximum LTV

80%

Interest Rate

8.750%

Annual Percentage Rate (APR)

8.750%

Loan Amounts

$1,000 to $200,000

Maximum Term

84 Months

Maximum LTV

95%

Interest Rate

8.500%

Annual Percentage Rate (APR)

8.500%

Loan Amounts

$1,000 to $200,000

Maximum Term

120 Months

Maximum LTV

95%

Interest Rate

8.750%

Annual Percentage Rate (APR)

8.750%

Loan Amounts

$1,000 to $200,000

Maximum Term

240 Months

Maximum LTV

95%

Interest Rate

9.000%

Annual Percentage Rate (APR)

9.000%
Home Equity/Home Improvement Loan - 1st Mortgage

Loan Amounts

$1,000 to $40,000

Maximum Term

84 Months

Maximum LTV

25%

Interest Rate

6.500%

Annual Percentage Rate (APR)

6.500%

Loan Amounts

$1,000 to $40,000

Maximum Term

120 Months

Maximum LTV

25%

Interest Rate

6.750%

Annual Percentage Rate (APR)

6.750%
Apply for a Home Equity Loan or HELOC

Important disclosures containing rate, fee, and other cost information, as applicable:

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

    Consumer Lot Loan Rates

    Rates and fees are subject to change without notice.

    Rates are effective as of December 22, 2024
    Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)

    Loan Amounts

    $1,000 to $300,000

    Maximum Term

    60 Months

    Maximum LTV

    75%

    Interest Rate

    10.000%

    Annual Percentage Rate (APR)

    10.338%

    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 $300,000 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 $300,000 loan, 59 monthly payments of $3,964.21 would be required with a final payment of $190,543.31. 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.

    Consumer Lot Loan Application

    Automobile, Light Truck and Motorcycle Loan Rates

    Rates and fees are subject to change without notice.

    Rates are effective as of December 22, 2024
    Vehicle Model Minimum Loan Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)

    Vehicle Model

    New Vehicle

    Minimum Loan

    $1,500

    Maximum Term

    48 Months

    Maximum LTV

    100%

    Interest Rate

    7.000%

    Annual Percentage Rate (APR)

    7.103%

    Vehicle Model

    New Vehicle

    Minimum Loan

    $1,500

    Maximum Term

    60 Months

    Maximum LTV

    100%

    Interest Rate

    7.250%

    Annual Percentage Rate (APR)

    7.334%

    Vehicle Model

    New Vehicle

    Minimum Loan

    $1,500

    Maximum Term

    72 Months

    Maximum LTV

    100%

    Interest Rate

    7.500%

    Annual Percentage Rate (APR)

    7.571%

    Vehicle Model

    Previously Owned - 4 Recent Model Years

    Minimum Loan

    $1,500

    Maximum Term

    48 Months

    Maximum LTV

    100%

    Interest Rate

    7.000%

    Annual Percentage Rate (APR)

    7.147%

    Vehicle Model

    Previously Owned - 4 Recent Model years

    Minimum Loan

    $1,500

    Maximum Term

    60 Months

    Maximum LTV

    100%

    Interest Rate

    7.250%

    Annual Percentage Rate (APR)

    7.370%

    Vehicle Model

    Previously Owned - 8 Recent Model Years

    Minimum Loan

    $1,500

    Maximum Term

    48 Months

    Maximum LTV

    100%

    Interest Rate

    7.500%

    Annual Percentage Rate (APR)

    7.648%

    Vehicle Model

    Previously Owned - 9 or Older Recent Model Years

    Minimum Loan

    $1,500

    Maximum Term

    36 Months

    Maximum LTV

    100%

    Interest Rate

    8.000%

    Annual Percentage Rate (APR)

    8.194%

    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.

    New Vehicle 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 preauthorized payment from a Capitol Federal® checking or savings account.

    Previously Owned Vehicle 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 loan amount on a vehicle within the four most recent model years, 60 monthly payments of $699 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.


    Vehicle Loan Application

    Recreational Vehicle Loan Rates

    Includes Travel Trailers, Fifth-wheel Trailers and Motorized Homes.  Rates and fees are subject to change without notice.

    Rates are effective as of December 22, 2024
    Recreational Vehicle Model Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)

    Recreational Vehicle Model

    9 Recent Model Years

    Loan Amounts

    $2,000 to $75,000

    Maximum Term

    120 Months

    Maximum LTV

    100%

    Interest Rate

    8.750%

    Annual Percentage Rate (APR)

    8.781%

    Recreational Vehicle Model

    10 or Older Model Years

    Loan Amounts

    $2,000 to $75,000

    Maximum Term

    84 Months

    Maximum LTV

    100%

    Interest Rate

    9.250%

    Annual Percentage Rate (APR)

    9.292%

    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.

    Recreational Vehicle Loan Application

    Personal Unsecured Loan with QuiloTM

    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 QuiloTM

    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 December 22, 2024
    Loan Amount Maximum Term Interest Rate Annual Percentage Rate (APR)

    Loan Amount

    $500 to $2,500

    Maximum Term

    N/a

    Interest Rate

    18%

    Annual Percentage Rate (APR)

    18.00%

    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.

    Unsecured Line of Credit Application