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Renovations, debt consolidation, emergency funds, education and more. Your home's equity can work harder for you.Apply Now What do I need to apply?
Find out your estimated rate and paymentsCalculate My Rate
Your Home Value – All Amounts Owed on Property = Your Home's Equity
Use a home equity line of credit to pay for home improvements, education costs, major expenses, cash management and more. You can even use a HELOC to consolidate debt. Use only what you need when you need it from this line of credit, you don't have to use everything you borrow.
APR – Annual Percentage Rate is the cost of borrowing, it refers to the yearly interest rate you’ll pay. The APR combines the interest rate and any other fees associated with the loan to show the true cost of borrowing over time.
|Prime Related Rate
Prime Related Rate - It’s a benchmark set and used by financial institutions to determine how much interest to charge. Want to Learn More?
|$17,500-$49,999||View Rates >||View Rates >|
|$50,000-$99,999||View Rates >||View Rates >|
|$100,000+||View Rates >||View Rates >|
†† Rates listed above include the 0.25% discount for automatic payment from a Citizens checking account and the 0.25% Rate Reduction for new HELOC customers. Rates are effective as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# in the #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label# Region and are subject to change at any time. For important additional information including how to obtain these rates, see full disclosures below.*
A HELOC functions similarly to a credit card, use what you need, when you need it. You can use your funds and pay them back as many times as you want during the borrowing period.
A HELOC is flexible and can be used for just about anything from home renovations to unexpected expenses and more. Learn when and how to best use your home equity line of credit.
Already a Citizens Bank customer? Use your checking account set up with automatic monthly payments to receive a 0.25 percentage point discounted rate.1Not yet a customer? Learn More
No application or set up fees.
No closing costs.
No appraisal fee.
$50 annual fee after the first year.
$350 pre-payment penalty if closed within the first 36 months.
Accessing your funds is easy with Citizens Online banking. You can also use your HELOC supplied checks. Although timing varies, typically it takes about 45 days from application to get your funds.
Repay on your terms, with interest-only payments during the borrowing period. You can pay both interest and principal if you choose. At the end of the borrowing period, once you enter into the repayment period, you will be required to make monthly payments including interest.
Saving for something big? CDs offer guaranteed fixed-rate returns to help get you there.
Boost your savings.#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=span|TargetElementId=|Key=Learn more about#GET THE DETAILS
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11‑state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit: