No Closing Costs + 2.99% Fixed APR* for 12 months

(Thereafter, a Variable Rate of Prime Plus a Margin; Currently 3.25%–5.25% APR)

Cash in on the equity in your home. Your next project is waiting.
Contact your local Citizens Bank & Trust lender today.

* The introductory Annual Percentage Rate (APR) will be a 2.99% fixed rate for the first twelve (12) months from the date of origination. The APR following the initial twelve (12) month promotional rate period, will be a variable rate and is based upon Prime Rate (the index) as published in the Wall Street Journal; plus a margin, which is determined at the time of origination based on the Borrower’s credit score and loan to value (LTV) ratio. As of July 2020 the variable rate for home equity lines of credit ranged from 3.25% APR to 5.25% APR. The rate will not vary above 18% APR, or applicable law. This Promotion is a limited-time offer, is only available on new Home Equity Lines of Credit (HELOCs), and may end without prior notice.

If the Line of Credit is paid off and closed within the first three (3) years from the date of origination, the Borrower will be responsible for repaying closing costs incurred by the Bank at the time of closing, ranging from $750 - $6,000. Terms include a Five (5) Year Draw Period, followed by a Ten (10) Year Repayment Period. Minimum line amount is $10,000. Minimum line advance amount is $100. Offer is subject to credit approval, underwriting, appraisal, LTV and other qualifications. Property insurance coverage is required. Interest rates, promotion and program terms are subject to change without notice. See Lender for details.

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.