Get your Home Equity Line of Credit with Citizens FastLine®. View your rate with no impact to your credit score.
Next big project? Meet the next big thing in lending. It's a faster, smarter, and better way to finance your next project.
Know your rate and line amount in minutes with our new digital experience. There will be no impact to your credit score.
Accept your offer, be ready to close in as few as 7 days and start spending in as little as 2 weeks. Access your account wherever you are, online or mobile.
Take advantage of our low rates with no application fee or closing costs.^
Our encrypted site protects your account and personal information.
A HELOC with Citizens means no application costs, no closing costs and no origination fees.^
Increase your home’s value with a dream renovation.
Save money by consolidating debt into a lower monthly payment.
Pay for education from kindergarten to college.
Use your home equity to buy a car, take a trip or cover unexpected costs.
It's a streamlined digital experience that simplifies the Home Equity Line of Credit (HELOC) application process into just three steps - far fewer than for a traditional HELOC. All you need to do is enter your Personal Invitation Code and the last four digits of your social security number, confirm your information, and accept your offer.
There are no application fees, points or closing costs associated with a Citizens HELOC.^
The interest you pay on a line of credit secured by your primary residence may be tax deductible. You should consult a tax advisor to determine whether this applies to your situation.
Have more questions? Get more answers in our full FAQs section.
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^ For additional information, please click the ^ symbols throughout this page to view our home equity line of credit disclosures.
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.
Annual Fee Disclosure: 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.