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Make your home work for you.
From home renovations and unexpected expenses to consolidating debt or paying for college, your home's equity can work harder for you.
New home equity line of credit customers can take an additional 0.25% off their rate now through October 31, 2017.* Use a HELOC to help pay for home improvements, education costs, or other major expenses. You can also use a HELOC to consolidate debt.
Adjustable Rate HELOC
Eligible applicants may qualify for our best home equity rates and terms at the loan amounts listed below.
New HELOC customers can take an additional 0.25% off their rate*
|Line Amount||APR††||Prime Related Rate|
|$17,500-$49,999||View Rates >||View Rates >|
|$50,000-$99,999||View Rates >||View Rates >|
|$100,000-$199,999||View Rates >||View Rates >|
|$200,000+||View Rates >||View Rates >|
††Rates listed above include the 0.25% discount for automatic payments from a Citizens checking account but do not include the 0.25% Fall Rate Reduction for new HELOC customers. Rates are effective as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and are subject to change at any time. For important additional information including how to obtain these rates, see full disclosures below.
New HELOC customers, hurry to get a rate as low as 3.50% APR.
Access funds during your draw period with home equity line of credit checks or online banking.
We offer competitive rates and interest may be tax deductible.1
There are no application costs or setup fees.2
There are no closing costs with a Citizens Bank home equity line of credit.
Use your Citizens Bank consumer checking account to auto-deduct your HELOC payments to get a 0.25 percentage point discounted rate.3
During the initial 10-year draw period, you are only required to pay interest on the amount that you borrow. Once you enter into the repayment period, you will be required to make monthly payments of both principal and 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: