View your home equity line of credit offer before you borrow.
With Citizens FastLine®, you can view the HELOC offers you qualify for and choose the one that best suits your needs.
Best in class for customer service two years in a row
With just a little bit of personal info and 2-3 minutes, you can complete your application and experience the award-winning customer service that comes with a Citizens HELOC.
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*IMPORTANT INFORMATION
^ 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.
Variable Annual Percentage Rate: Variable Annual Percentage Rate ("APR") based on The Wall Street Journal Prime Rate ( Prime ) published on the last business day of the month, (#Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=PRIME_RATE# APR as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=PRIME_RATE_DATE#). Maximum APR 21%. Minimum APR 2.50%. Our best rate, including all rate discounts, cannot be lower than 2.50% APR.
Eligible properties include owner-occupied 1-to 4-family properties, condominiums and second/vacation homes. Ineligible properties include, but are not limited to: investment property (defined as non-owner-occupied property), a co-op, mobile home or manufactured housing. Property must be located in AL, AR, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, VA or VT. Rate and terms are subject to change and credit approval. Home equity lines of credit are available in first or second lien positions. Not available for homes currently for sale. Homes previously listed for sale must be off the market for at least 90 days prior to application. Property insurance required. Flood insurance may be required. Citizens offers Home Equity Lines of Credit as low as $17,500, but terms may vary.
No annual fee for the first year, then $50 per year thereafter during the draw period. The Annual Fee is waived for the Citizens Home Equity Line of Credit if you have a Citizens Private Client™, Citizens Private Bank™ or Citizens Quest® Checking account open and active at the anniversary of your Credit Line when the Annual Fee would be assessed. If you do not meet this requirement, the Annual Fee of $50 will be charged to your Credit Line Account.
