Get your home to cough up some extra cash. With our home equity loan or HELOC, you can convert that equity into affordable financing.

Rates

  • Competitive rates for several short-term or one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And much more!
  • Accommodating repayment terms ranging from one to 15 years
  • The interest paid may be tax deductible*
  • Local decision-making and processing
  • Helpful, customized service throughout the entire process

Use that equity as collateral to secure a line of credit. Take care of a variety of ongoing needs, including home improvements, debt consolidation, education expenses, and more!

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more!
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available to use
  • Funds easily available via in-person or phone transfers to a specified Citizens Savings Bank checking account
  • The interest paid might be tax deductible*
  • Payments recalculated monthly based on outstanding balance
  • Local decision-making and processing
  • Helpful, customized service throughout the entire process

*APR= Annual Percentage Rate (APR). Quoted rate is accurate as of 5/5/22. The fixed rate payment per $1,000 borrowed for 60 monthly payments is $18.64.  Available on owner occupied 1-4 family properties. Maximum loan to value ratio 80%. Subject to credit approval. Rates and fees are subject to change and can be modified or discontinued at any time without notice to you. Consult your tax advisor for further information regarding the deductibility of interest and charges. **”FEE WAIVER” promotion on owner-occupied home equity loans and home equity lines of credit (HELOC) except the cost of recording the mortgage. If loan or HELOC is paid off within 24 months of the origination date, the borrower will be responsible to reimburse Citizens Savings Bank for all third-party origination fees paid.

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