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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

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.

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:

What’s My Equity?

Use this calculator to estimate the amount of equity in your home.

If you're not sure, check your most recent appraisal, or look up your address online.
Enter the outstanding balance remaining on your first mortgage, if applicable.


Ready to get started?

It’s easy – complete this form and one of our local loan experts will be in touch with you to discuss customized loan recommendations based on your goals.

You can also give us a call at 800-896-0769 (Mon-Fri 8am-5pm), or find a local branch near you.


Find a branch near you

As a City customer, you’ll have access to more than 90 branches and ATMs.

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