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Home Equity Loans and Lines of Credit from Citizens Bank

The most valuable thing you own is your home. At Citizens Bank, we can help you use it. Whether you want to borrow for home improvements, educational expenses, debt consolidation, major purchases, or even to refinance your first mortgage, a home equity loan or line of credit from Citizens Bank is the right choice. Because home equity lines of credit and loans are secured by the equity in your home, the rates are lower than on most other loans.

View a quick comparison chart of home equity lines of credit and loans.

Borrowing Objectives Home Equity Loan Home Equity Line of Credit
Fixed monthly payments N/A
Choice of term length N/A
Fixed interest rate N/A
Access borrowed funds Lump sum As needed
Refinance existing debt
Loan for home improvements
  Act now More info Act now More info

Additional benefits of home equity loans and lines of credit:

  • Interest may be tax-deductible*
  • Fast decisions on home equity loans and lines of credit
  • Fixed-term, fixed rate home equity loans for borrowing a specific amount
  • Home equity line of credit for whatever you need, whenever you want, simply by writing a check
  • Start the process online by answering a few questions and a Home Loan Advisor will contact you to complete the application.
  • Borrowing Benefits for Citizens Circle Gold Banking™ Customers

Learn more about our home equity products.

Check out our other personal banking products:



We're here to help

Buy or Refinance:

Get started online
or call 1-888-514-2300
FRI: 8 AM - 6 PM
SAT: 9 AM - 3 PM

Mortgage Servicing:

Home Equity:

Get started online
or call 1-888-333-1206
FRI: 8 AM - 6 PM
SAT: 9 AM - 3 PM


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Find a Home Loan Originator

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NMLS ID# Search Tool

Access our colleagues' NMLS ID#


Circle Gold Customers Save

Save 0.25 percentage points off your home equity interest rate with automatic monthly payments from a Circle Gold Checking Account.



All accounts, loans and services are subject to individual approval.

* Consult your tax advisor for tax benefits.