Home Equity Line of Credit (HELOC)

A HELOC allows homeowners to borrow against the equity in their home.

If a client wants to apply for a HELOC, do one of the following:

• Direct the client to a PB II with an NMLS#, if one is located in your office.
• Recommend our online application process at www.ccbg.com/home-equity.
• Provide the client with the paper application, based on the location of their home.
  • See Forms & Document Library > Credit Administration > Application Packets and HELOC Booklet.
  • Read and follow any instructions on the first page.

Note: If you are NOT a PB II with an NMLS#, regulatory constraints prevent you from assisting an applicant or client with filling out or answering any questions on a Home Equity Line of Credit (HELOC) or HELOC application.

If the applicant has questions about a HELOC application or needs assistance completing an application, advise they contact the Digital Lending & Loan Support team at _loansupport@ccbg.com or 850.402.7444 ext. 397444.

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Consumer Line of Credit (CLOC)  

Capital City Bank (CCB) offers a $5000 unsecured revolving line of credit known as a CLOC. CLOCs are available to existing CCB clients.

If a client wants to apply for a CLOC, do one of the following:

• Direct the client to a PB II with an NMLS#, if one is located in your office.
• Recommend our online application process at www.ccbg.com/personal/unsecured-loans 
• Provide the client with the Consumer - CLOC Application Packet paper application.
  • Read and follow any instructions on the first page.

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CD/Savings Secured Consumer Loan

Capital City Bank (CCB) offers a consumer loan secured by either a Certificate of Deposit (CD) or Savings account starting at $2,500.

If a client wants to apply for a CD/savings secured loan, do one of the following:

• Direct the client to a PB II with an NMLS#, if one is located in your office.
• Provide the client with the Consumer Purpose - No Dwelling Application Packet paper application.
  • Read and follow any instructions on the first page.

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Note: Clients can not apply for this loan product online, only through a PBII with an NMLS# or by paper application.

Auto, Boat, Personal Water Craft (PWC) Recreational Vehicle (RV), All-terrain Vehicle (ATV) or Motorcycle

Capital City Bank (CCB) offers hassle-free auto, boat, RV or motorcycle purchases with fast approval and convenient terms.

If a client wants to apply for an auto, boat, RV or motorcycle loan, do one of the following:

• Recommend our online application process at one of the following:
  • www.ccbg.com/personal/auto-loans
  • www.ccbg.com/personal/boat-loans
  • www.ccbg.com/personal/motorcycle-loans
• Provide the client with the Consumer Purpose - No Dwelling Application Packet paper application.
  • Read and follow any instructions on the first page.

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Unsecured Loan

Capital City Bank (CCB) offers unsecured loans for qualified applicants starting at $2,500.

If a client wants to apply for an unsecured loan, do one of the following:

• Recommend out online application process at https://www.ccbg.com/personal/unsecured-loans.
• Provide the client with the Consumer Purpose - No Dwelling Application Packet paper application.
  • Read and follow any instructions on the first page.

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Land or Lot Loan

Capital City Bank (CCB) offers land or lot loans.

If a client wants to apply for a land or lot loan, do one of the following:

• Recommend our online application process at www.ccbg.com/personal/land-loans.
• Provide the client with the Consumer Purpose - No Dwelling Application Packet paper application.
  • Read and follow any instructions on the first page.

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