Meet Citizens FastLine®
Next big project? Meet the next big thing in lending. It's a faster, smarter, and better way to finance your next project.
Citizens HELOC ranked Best for Customer Experience
A HELOC with Citizens means no application costs, no closing costs and no origination fees.^
What you can do with a Home Equity Line of Credit
Renovate Your Home
Increase your home’s value with a dream renovation
Consolidate Debt
Save money by consolidating debt into a lower monthly payment
Fund Education
Pay for education from kindergarten to college
Make Large Purchases
Use your home equity to buy a car, take a trip or cover unexpected costs
Frequently Asked Questions
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.
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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.
Legal 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: Wireless carrier, text, and/or data charges may apply.
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.
