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Today's Consumer Loan Rates


Rates and fees are subject to change without notice. Rates are effective as of July 4, 2016.

Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
Execuline Home Equity Line of Credit (Disclaimer)
$6,000 to $100,000     7-year draw term 17 years 80% 4.250% 4.250%
$6,000 to $50,000       7-year draw term 17 years 90% 6.250% 6.250%
Execuline Home Equity Line of Credit - Interest-Only Payments (Disclaimer)
$6,000 to $100,000 12 months 80% 6.500% 6.500%
Home Equity/Home Improvement - 2nd Mortgage (Disclaimer)
$1,000 to $100,000 84 months 80% 4.999% 4.999%
$1,000 to $100,000 120 months 80% 5.250% 5.250%
$1,000 to $100,000 240 months 80% 5.500% 5.500%
$1,000 to $50,000 84 months 95% 6.250% 6.250%
$1,000 to $50,000 120 months 95% 6.250% 6.250%
$1,000 to $50,000 240 months 95% 6.250% 6.250%
Home Equity/Home Improvement Loan - 1st Mortgage (Disclaimer)
$1,000 to $40,000 84 months 25% 4.250% 4.250%
$1,000 to $40,000 120 months 25% 4.500% 4.500%

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).

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.

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 4.000% for the 80% LTV Execuline, 6.000% for the 90% LTV Execuline and 6.500% for the Interest-Only Execuline. The APR will be variable during the draw term and repayment term. The maximum APR is 18.000% 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 - 2nd mortgage disclaimer

Home Equity loans must be secured by owner-occupied residence.

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 $172 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 $125. These costs are added to the loan amount and are not required to be paid out-of-pocket.


Traditional home equity/home improvement - 1st 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 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 $419 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 $240. These costs are added to the loan amount and are not required to be paid out-of-pocket.


Automobile and light truck rates

Rates and fees are subject to change without notice. Rates are effective as of July 4, 2016.


Vehicle Model Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
New Vehicles 
New Models $1,500 to $40,000 48 months 90% 4.750% 4.852%
New Models $1,500 to $40,000 60 months 90% 4.990% 5.073%
New Models $1,500 to $40,000 72 months 90% 5.250% 5.320%
Previously Owned
2016 through 2013 $1,500 to $35,000 48 months 100% 4.990% 5.107%
2016 through 2013 $1,500 to $35,000 60 months 100% 5.500% 5.595%
2012 through 2009 $1,500 to $25,000 48 months 100% 5.990% 6.155%
2008 through 2007 $1,500 to $20,000 36 months 100% 6.500% 6.771%

new automobile and light truck 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 the maximum loan amount for the maximum term. Using the example of a $40,000, 80% LTV, 72 monthly payments of $669 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 $85. These costs are added to the loan amount and are not required to be paid out-of-pocket.

previously owned automobile and light truck disclaimer

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 2008 model year and a loan amount of $30,000, 60 monthly payments of $594 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 $85. These costs are added to the loan amount and are not required to be paid out-of-pocket.


personal unsecured

Rates and fees are subject to change without notice. Rates are effective as of July 4, 2016.


Loan Amount Maximum Term Interest Rate Annual Percentage Rate (APR)
$1,000 to $5,000 24 months 14.500% 16.524%

personal unsecured disclaimer

*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.


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