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Home Equity Line of Credit (HELOC)

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?
  • Personal Information
    • Employment Details
    • If you are applying with someone else, Co-Applicant Information and Employment Details
  • Property Information
    • Property Value
    • Year Built
    • Year Bought
    • Current Mortgage Payment
    • Home Insurance
    • Property Tax Information


Find out your estimated rate and payments

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Home Equity Line of Credit (HELOC)

Your Home ValueAll 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.

Line Amount APR†† APR – Annual Percentage Rate
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
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.*

Home Equity Line of Credit Features and Benefits

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