Use Your Home Equity

The equity in your home can help you pay for home improvements, consolidate debt or give you peace of mind knowing that cash is available if you need it.

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Today's home equity rates

Rates effective as of Month D, YYYY. For details about home equity rates and other information, view important disclosures.

Choosing between a home equity line and loan

  • Learn more about Home Equity Lines of Credit

    A Home Equity Line of Credit (HELOC) is a form of revolving credit in which your home serves as the collateral. It is comprised of a draw period when you can access the funds and a repayment period during which you can no longer draw funds. A HELOC is approved for a specific amount that can be drawn on multiple times as needed, up to your available credit limit.

  • Learn more about Fixed Rate Home Equity Loans

    A Fixed Rate Home Equity Loan provides you with a fixed amount of money, repayable over a fixed period of time. The payment schedule will call for equal monthly Principal and Interest payments that pay off the entire loan within the loan period.

Don't have equity in your home? Explore personal lines and loans

Budget with home equity calculators

Our calculators help you explore your home equity options and determine how much you can borrow and how much your home equity payments will be based on a line or loan amount.

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Upgrade or Move Video

Upgrade or Move?

Whether you're upgrading your current home or considering a move, understanding home equity can help guide your decision.

Home equity loan calculator

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Important Disclosures

Terms, conditions and fees for accounts, programs, products and services are subject to change.

For Home Equity Lines of Credit with an interest-only draw period: Your monthly minimum payments during the draw period can be as low as "interest-only". If you choose to pay only the amount of interest due, then at the end of the interest-only period you will still owe the original amount you borrowed and your monthly payments will increase because you must pay back the principal as well as interest. Your payment could increase even more if your variable rate increases. Home Equity Lines of Credit with an interest-only draw period are also available in combination with a Citi mortgage. Please speak to a personal banker for more details.

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