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.

Learn More

Download the newest version of Microsoft Internet Explorer

Clear Search

Home Equity Line of Credit (HELOC)

Make your home work for you.

From home renovations and unexpected expenses to consolidating debt, your home’s equity can work harder for you.

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 Insurance

New HELOC Customers

Learn More

Home Equity Line of Credit (HELOC)

New home equity line of credit customers can take an additional 0.25% off their rate extended through June 30, 2018.* Use a HELOC to help pay for home improvements, education costs, or other major expenses. You can also use a HELOC for cash management or to consolidate debt.

Home Equity Line of Credit Adjustable Rate Chart
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†† 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-$199,999 View Rates >  View Rates >
$200,000+ View Rates >  View Rates >

†† Rates listed above include the 0.25% discount for automatic payment from a Citizens checking account but do not include the 0.25% 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.**

Home Equity Line of Credit Features and Benefits

#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Personalize your experience.#