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Personal Banking


Home Equity Loans

Home Equity Loans are a great option when you need additional funds to help pay off debt, make a major purchase or do some home improvements. Term loans are set-up with an end date and are designed for major purchases or to consolidate debt.

Home Equity Lines of Credit (HELOC) are perfect for someone who is making some home improvements or paying for a major life event. Our lines of credit allow you to access your funds by making a draw against the line in person, with a check or by transferring the funds to an existing Citizens Bank checking account.

Now for a limited time ---

Home Equity Loans and Home Equity Line of Credits have rates as low as 3.99% APR*

Apply today!  Rates won't stay this low.

Limited time offer.  See bank for details.  Subject to credit approval and available on new loans up to 80% of home value.  Property insurance required.  For Home Equity loan & Home Equity Line of Credit - 3.99% Annual Percentage Rate(*) is based on $25,000 loan, 60 months with 3.99% rate & $461 payment, $0 closing costs.  Early termination fee applied if loan is closed before 36 months.

For Home Equity Line of Credit only - The annual percentage rate may change.  It will be based on the value of the Index described as the prime rate in the Wall Street Journal.  Maximum APR is 18%.

*Closing costs on these loans are much less then a first mortgage loan and interest is usually tax deductible.

*Consult your tax advisor to determine if your interest may be deductible.