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Home Equity & Consumer Loans

On this page:
  • Check out our Home Equity Line of Credit Special
  • Decide if a line of credit or fixed rate loan is for you
  • Imagine all you could accomplish with your equity
  • Purchase or refinance cars, trucks, SUVs and more 


Citizens Bank's Home Equity Line of Credit Special

 

Promotional Rate: 5.99% APR

for 12 Months1
Variable Rate After Promotional Period: 6.50% APR2 

Plus no annual fee and no closing costs!3
 
Hurry ... this offer ends June 23, 2025!
 

Put your home’s equity to work for you.

As a homeowner, you’ve likely put a lot of time, money, and effort into your home. 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 tackle big projects and achieve big dreams.


Home Equity: Is a line of credit or fixed rate loan right for you?

 
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, as much or as little as you need to.
  • 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
  • Interest-only monthly payments on your outstanding balance
  • No application fee and no pre-payment penalty

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
  • Fixed monthly payments to steadily pay down the balance
  • No application fee and no pre-payment penalty

What can you do with your home's equity?

An updated kitchen, a finished basement, a new pool... of course the equity in your home can be used for home improvements, but it can also do so much more. In fact, many homeowners have used their equity to leverage opportunities or improve their overall financial situations. If you want to explore all of the potential in your home, start by talking to a lender today.
 






Consumer Loans

Often times, the first step to buying a new car, boat, motorcycle, or other toy is figuring out how you’re going to pay for it. When you’re ready to get a move on and need financing to get you started, just give us a call.
 
New and Used Vehicle Loans
Finance a car, truck or SUV – either brand new, or an older model.
 
Recreational Vehicle Loans
If you can drive it, chances are we can finance it. We offer loans for boats, motorcycles, campers, jet skis, snowmobiles, and ATVs – to name a few.
15.99% promotional Annual Percentage Rate (APR) available on new Home Equity Lines of Credit (HELOC) applications with a loan-to-value (LTV) of 80% or less, credit score of 700 or higher, and credit limit of $100,000 or less. The promotional rate is fixed for 12 months. A promotional rate of 6.49% APR will apply for credit scores of 660-699 (up to 80% LTV). Promotional rate not available on any existing Citizens Bank HELOC accounts. Promotional rate also available to customers who apply for a new Citizens Bank HELOC at least 90 days following the closure of any existing Citizens Bank HELOC accounts. 
2After the 12-month promotional period, APR is variable and based upon an index plus margin. The index is the Prime Rate as published in the Wall Street Journal, currently 7.50% effective 12/19/24. The Prime Rate is subject to change. The margin ranges from -1.00% to 2.25% and is dependent on credit limit, LTV, and credit score. Lowest rate assumes credit limit of $100,000, 60% LTV or less, and credit score of 700 or higher. As of 12/19/24, the variable rate ranged from 6.50%-9.75% APR. The rate will never be higher than 18% APR or lower than 4.75% APR. Minimum loan amount is $10,000.
3A $50 annual fee waived with an active Citizens Bank personal checking account established with monthly direct deposit and automatic loan payments. No closing costs will be assessed for loan amounts less than $100,000, unless an appraisal is required or requested by the customer, with an active Citizens Bank personal checking account established with monthly direct deposit and automatic loan payments. Checking account not required for loan approval. If promotional conditions are not met, closing costs of $375-$950 will apply. Monthly interest-only payments required. Your minimum payments will not repay the principal outstanding on your line. You will be required to pay the entire outstanding balance as a single payment. Loans subject to credit approval and program guidelines. Interest rates and program terms subject to change at any time and without notice. Credit line may be reduced or additional extensions of credit limited if certain circumstances occur. Available on 1-4 family owner-occupied properties located in Wisconsin only. Property insurance required. Other restrictions may apply.
 
Citizens Bank NMLS 746419