Don't list it.
Turn your house into your dream home with a Home Equity Line of Credit or a Home Equity Loan from City.
Stop Dreaming. Start Doing.
A home equity line of credit (HELOC) is a great way to get access to cash when you need it by letting you borrow against the available equity in your home. You can use the money any way you choose:
- Home improvement
- Consolidate debt
- Emergency expenses
- Vacation getaway
- And much more!
Special Low-Rate Offer For New City HELOC Customers
6-month introductory rate
Non-introductory rates starting at
What’s a HELOC?
A home equity line of credit, or HELOC, is a revolving credit line. It’s secured by the equity you’ve built in your home and can be used as needed — like a credit card. You only pay interest on what you draw from your HELOC. In some cases, the interest you pay might be tax deductible.***
A HELOC can provide a cost-effective way to borrow, and you can use the money any way you choose. Plus, as you pay down the balance, the available amount you can borrow reinstates – giving you peace of mind knowing the money is there if you need it again later.
What’s a Home Equity Loan?
A Home Equity Loan allows you to borrow a lump sum secured by your home’s equity. Because the interest rate is fixed for the life of the loan, you’ll pay it back with monthly payments, so you’ll know exactly what to expect. And you’ll be protected from the possibility of rising interest rates – saving you money if rates go up.
Home Improvements and Repairs
Large One-Time Expenses
Convert Variable-Rate Debt into a Fixed Rate
Benefits of a Home Equity Loan from City include:
- No annual fee
- No appraisal fee
- No title fee
- Fixed rate for the life of the loan
- Fixed monthly payments
Unsure if a variable-rate HELOC or a fixed-rate Home Equity Loan is the best option for you? Contact us, and we’ll help you determine what best meets your needs.
Why choose City?
With a fast, easy application process, plus an option to make interest-only payments on money you use, there’s no place like City. Take advantage of our competitive rates and quick approval process. Benefits of a HELOC from City include:
No appraisal fees
Easy access to funds
What’s My Equity?
Use this calculator to estimate the amount of equity in your home.
Find a branch near you
As a City customer, you’ll have access to more than 90 branches and ATMs.