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Looking to tackle that next big project or refresh your home with a new look? A Home Equity Line of Credit from City is a great place to start.

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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.

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.


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Thanks for making us #1 in Customer Satisfaction for Consumer Banking in the North Central Region in 2018, 2019, 2020 and 2022.

Find a branch near you

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

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