Home Equity Loans and Lines of Credit from Citizens Bank

The most valuable thing you own is your home. At Citizens Bank, we can help you use it. Whether you want to borrow for home improvements, educational expenses, debt consolidation, major purchases, or even to refinance your first mortgage, a home equity loan or line of credit from Citizens Bank is the right choice. Because home equity lines of credit and loans are secured by the equity in your home, the rates are lower than on most other loans.

View a quick comparison chart of home equity lines of credit and loans. 

Borrowing Objectives	Home Equity Loan	Home Equity Line of Credit
Fixed monthly payments		N/A
Choice of term length		N/A
Fixed interest rate		N/A
Access borrowed funds	Lump sum	As needed
Refinance existing debt
Loan for home improvements

Additional benefits of home equity loans and lines of credit:

• Interest may be tax-deductible*
• Fast decisions on home equity loans and lines of credit
• Fixed-term, fixed rate home equity loans for borrowing a specific amount
• Home equity line of credit for whatever you need, whenever you want, simply by writing a check
• Apply online for greater ease
• Borrowing Benefits for Citizens Circle Banking™ and Citizens Circle Gold Banking™ Customers

Learn more about our home equity products.