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Uncover the hidden treasure in your home

Did you know there’s treasure hidden in your house? And you don’t need any help from your furry friend to find it. The equity you’ve built up in your own home is the treasure itself.

With personalized service and customized financial tools, let Citizens Bank help you cash in on the real treasure you’ve had all along. So call off the dogs and discover your treasure.

Home Equity Line of Credit Special

A line of credit that gives you access to cash at your disposal. Apply just once, then draw funds as you need them for anything from a bathroom or kitchen remodel to debt consolidation or college tuition.

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 January 30, 2025!
 

Cash Out Refinancing

An alternative to a home equity loan or line of credit, Cash Out Refinancing allows you to access equity by borrowing a loan amount higher than your current mortgage balance and taking the difference out in cash. Those funds can be used for home improvement projects or other purposes.

To equity or not to equity?
Check out our podcast episode that explores if, when, and how you should tap into your home's equity.
Helpful Links
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 only 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