A newer version of your browser is available. Older versions may limit your ability to access some of this site's functionality. Citizens Bank recommends upgrading your browser.
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.
Use a home equity line of credit 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.
|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 all discounts and 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.**
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.
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.*
There are no application costs or setup fees.**
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.1
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: