Citizens GoalBuilder® HELOC

Reach your financial goals and keep building equity in your home.

What is different about a GoalBuilder HELOC?

A Citizens GoalBuilder® Home Equity Line of Credit (HELOC) is a more affordable borrowing option than most credit cards and personal loans†. You can borrow up to $25K to pay for any expense, whenever you need it so you can maintain your longer-term savings while paying for what’s important today.

Benefits of a GoalBuilder HELOC

Rates and draw period

  • GoalBuilder rate is Prime +3.25% or +3.00% with auto pay from a Citizens checking account†
  • Borrow from $5,000 to $25,000; use it for any reason at any time
  • 10 years to use the money, 15 years to repay it
  • GoalBuilder rate is usually lower than the average credit card or personal loan rate†

More support, fewer fees

  • No interest charged on any amount you don't use
  • No prepayment penalty
  • No application fees, annual fee or closing costs†
  • Easy access to funds via mobile^, online banking or supplied checks
  • Expert guidance every step of the way

What you can do with a Home Equity Line of Credit

Couple looking over blueprint planning home renovations

Home renovation

Increase your home value and enjoyment with a dream renovation

Home renovation hub
A Couple enjoying an evening at an outdoor café

Debt consolidation

Save money by consolidating debt into a lower monthly payment

Calculate debt consolidation
A family in a house entry hall getting ready for the day

Stay ahead of expenses

From check-engine light anxiety to broken appliances at home, be ready to take on financial hurdles with a GoalBuilder HELOC

Stay ahead of expenses

Speak with a home equity specialist to see if you qualify

Borrower income limits and property location restrictions apply. Visit your local branch or Call us at 1-888-342-3600.

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

    Citizens HELOC disclosure: Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960) All loans are subject to approval.

    Wireless disclosure: Wireless carrier, text, and/or data charges may apply.

    Equal Housing Lender