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Easy online shopping for the best home loan programs available. View current rates and terms, find an experienced lender and when you're ready, apply online.

Mortgage and Home Equity Rates

Fixed and ARM Mortgage Rates

When buying a new home or refinancing your current one, mortgage loans are not one size fits all. Your financial situation, along with current market conditions, may make one loan a better choice for you than another. That’s why we offer many mortgage options, including three fixed-rate terms and two adjustable-rate terms. Our experienced, dedicated loan officers are here to help you find the best loan. You can apply online now to get your application started or contact any of our loans officers.

Reasons to choose Citizens Bank include:

  • Community bank dedicated to the people and the neighborhoods we serve
  • In-house servicing for nearly all of the loans we offer
  • Quick decisions that are made locally
  • Access to down payment assistance programs
  • The ability to apply online or with the help of a loan officer

Home Equity Line of Credit

Loan To Value (LTV) Loan Amount Variable Interest Rate Floor Rate Annual Percentage Rate (APR)
60% 1 $10,000 to $24,999 Prime Minus 0.25% 4.25% 4.25%
$25,000 to $49,999 Prime Minus 0.50% 4.25% 4.25%
$50,000 to $99,999 Prime Minus 0.75% 4.25% 4.25%
$100,000 and above Prime Minus 1.00% 4.25% 4.25%
80% 2 $10,000 to $24,999 Prime Plus 0.25% 4.75% 4.75%
$25,000 to $49,999 Prime Plus 0.00% 4.75% 4.75%
$50,000 to $99,999 Prime Minus 0.25% 4.75% 4.75%
$100,000 and above Prime Minus 0.50% 4.75% 4.75%

These are sample APR’s. The actual APR of your HELOC loan may be different based on the amount requested, loan to value, and your credit history. The offered rates are subject to credit approval and accepted terms. The offers may be withdrawn at any time, and other restrictions may apply.

 

1 Advertised Annual Percentage Rate (APR) is available on loans up to 60% Total Loan to Value, with a credit score of 700 or higher. The APR is based on the value of an Index. The Index is the lowest Prime Rate published in the Wall Street Journal “Money Rates” table on the 3rd Tuesday of the 2nd month before each subsequent change. To determine the APR that will apply to your HELOC, we add a Margin to the value of the Index, and compare it to the Floor Rate; your APR will be the higher of the two.  Your APR will not exceed 18.00%. APR’s listed are effective as of 12/15/2017, and are subject to change monthly. Interest only payments are allowed during the draw period. Making interest only payments will result in a balloon payment of the outstanding balance plus accrued and unpaid interest and fees at the end of the five year term. Third party closing cost fees may range from $12.00 to $650.00. An annual fee of $50 will be charged to your line each year after the first year.  The collateral must be your primary residence or second home.

2 Advertised Annual Percentage Rate (APR) is available on loans up to 80% Total Loan to Value, with a credit score of 700 or higher. The APR is based on the value of an Index. The Index is the lowest Prime Rate published in the Wall Street Journal “Money Rates” table on the 3rd Tuesday of the 2nd month before each subsequent change. To determine the APR that will apply to your HELOC, we add a Margin to the value of the Index, and compare it to the Floor Rate; your APR will be the higher of the two.  Your APR will not exceed 18.00%. APR’s listed are effective as of 12/15/2017, and are subject to change monthly.   Interest only payments are allowed during the draw period. Making interest only payments will result in a balloon payment of the outstanding balance plus accrued and unpaid interest and fees at the end of the five year term. Third party closing cost fees may range from $12.00 to $650.00. An annual fee of $50 will be charged to your line each year after the first year.  The collateral must be your primary residence or second home.

Visit any of our convenient locations or contact any of our loan officers.

Fixed Home Equity Loans

Visit any of our convenient locations or contact any of our loan officers to hear about our current Home Equity Loan rates.

Construction Loans

We offer a variety of Construction Loan options. Contact a loan officer today to find the right option for you.

 

Lot Loans

We offer a variety of Lot Loan options. Contact a loan officer today to find the right option for you.

 

WHEDA

To see the most current WHEDA rates, visit the WHEDA website. You can apply online now to get your application started or contact any of our loans officers.