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Your Home Equity Line of Credit is Changing

If your Home Equity Line of Credit (HELOC) is in the interest-only draw period, your minimum monthly payment is about to increase. Start planning now for your repayment period.

Variable interest payment


Principal payment


Your new monthly payment

Knowledge is power. The more you know about your Home Equity Line of Credit, the more control you'll have over your financial future.

Options to consider

Make your monthly payments on time with Citibank Auto Deduct

Late or missing payments on your HELOC have a negative impact on your credit. An easy way to make sure your payment automatically arrives on time each month is to sign up for Auto Deduct. For more information on this free service, please call Cenlar FSB at 1-855-839-6253 (TTY: 1-866-523-6781).

Refinance or consolidate your HELOC

It may be possible to refinance your current HELOC into a new one or into a fixed rate home equity loan. You may also be able to consolidate your first mortgage and HELOC into a new first mortgage that offers a lower interest rate and longer term.

To learn more about refinancing your HELOC, call us at 1-800-321-2484 (TTY: 711).

To learn more about consolidating your first mortgage and HELOC, call us at 1-877-675-1625 (TTY: 711).

Convert your variable interest rate

If your HELOC has a variable interest rate, you may be able to convert all or part of your principal balance to a fixed rate. This option is especially attractive in the event that interest rates rise.

Experiencing financial hardship?

If you believe you may have difficulty adjusting to your new payments, please call Cenlar FSB at 1-855-839-6253 (TTY: 1-866-523-6781).

Get in touch

Call Cenlar FSB TTY

Monday to Sunday 8:30 AM to 8:00 PM ET Saturday 9:00 AM to 5:00 PM ET

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