Citizens GoalBuilder® HELOC

Borrower income limits and property location restrictions apply. Get your rate with no impact to your credit score.

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What is different about a GoalBuilder HELOC?

A Citizens GoalBuilder® Home Equity Line of Credit (HELOC) is a more affordable borrowing option than most credit cards and personal loans†. You can borrow up to $25K to pay for any expense, whenever you need it so you can maintain your longer-term savings while paying for what’s important today.

Rates and draw period

  • GoalBuilder rate is Prime +3.25% or +3.00% with auto pay from a Citizens checking account†
  • Borrow from $5,000 to $25,000; use it for any reason at any time
  • 10 years to use the money, 15 years to repay it
  • GoalBuilder rate is usually lower than the average credit card or personal loan rate†

More support, fewer fees

  • No interest charged on any amount you don't use
  • No prepayment penalty
  • No application fees, annual fee or closing costs†
  • Easy access to funds via mobile^, online banking or supplied checks
  • Expert guidance every step of the way

Ready to apply?

Borrower income limits and property location restrictions apply. Get your HELOC rate with no impact to your credit score.

Get My Rate

What you can do with a Home Equity Line of Credit

Couple looking over blueprint planning home renovations

Home renovation

Increase your home value and enjoyment with a dream renovation

Home renovation hub
A Couple enjoying an evening at an outdoor café

Debt consolidation

Save money by consolidating debt into a lower monthly payment

Calculate debt consolidation
A family in a house entry hall getting ready for the day

Stay ahead of expenses

From check-engine light anxiety to broken appliances at home, be ready to take on financial hurdles with a GoalBuilder HELOC

Stay ahead of expenses

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

    ^Wireless disclosure: Wireless carrier, text, and/or data charges may apply.

    Legal Disclosure: Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960) All loans are subject to approval.

    Equal Housing Lender Logo Equal Housing Lender.