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Put your home’s equity to work for you.

As a homeowner, you’ve likely put in a lot of money, time, and effort to make your home what it is today. So when you need funds for things like home improvements, debt consolidation, investment opportunities, or higher education – why not let your home return the favor? A home equity loan or line of credit can be used to achieve big projects and big dreams.

Check out our new Home Equity Line of Credit Special with a low Promotional Rate of 5.99% APR!

Trust us to finance your future.

We know you have many choices when it comes to picking a lender. That’s why we work hard to deliver a kind of care and a mix of amenities you can only find at Citizens Bank.

In-House Loan Servicing

Have a question about a draw or a payment? We’re here for you. We service our home equity loans and lines of credit in-house, meaning you call us directly – not a toll-free number – for help and answers.

Quick, Local Decision Making

Rather than shipping your application off to some faraway land, we review your application internally, and in most cases, we can approve your home equity loan or line of credit in just a few days.

Personalized Service

Our experienced, dedicated loan officers have home equity lending down pat. We’re always here to help you throughout the process.

The right loan for your home.

Our lenders are here to work through the options with you, to find your perfect home equity match.

Home Equity Line of Credit

A line of credit give you access to cash at your disposal. Apply only once and use it over and over again.

  • Competitive interest rates that adjust with the current Prime rate
  • Credit lines from $10,000 up to 80% of the available equity in your home
  • Line of credit checks for instant access to funds
  • Low monthly payments, including interest-only payments on your outstanding balance
  • No application fee and no pre-payment penalty
  • Our terms and checklist can help you create a plan on how to use your equity wisely

Fixed Rate Home Equity Loan

Tackle a one-time expense with a fixed rate home equity loan.

  • Borrow a lump sum at a fixed rate of interest
  • Loans up to 80% of the available equity in your home
  • Terms range from 3 to 10 years, with amortization up to 10 years
  • No application fee and no pre-payment penalty

Visit any of our convenient locations or contact one of our loan officers to hear about our current home equity rates.