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HELOC Promotion

Cool off with our great Home Equity Line of Credit Rates!

A Home Equity Line of Credit can give you the flexibility you need. A Home Equity is ideal for:

  • Home improvements
  • Medical bills
  • Educational expenses
  • Life events such as a new baby or wedding
  • Small business expenses

If you need more information call us at 270-465-8193.

Apply Online Today!

*APR - Annual Percentage Rate.

1. Apply by securely logging onto and click the Online Mortgage Tab. Your loan will be determined by your home value, available equity and credit history. Home Equity Line of Credit rates are variable and subject to fluctuations based on the Wall Street Journal Prime Rate. The Wall Street Journal Prime rate is 4.25%* as of 08/01/2017 and will be subject to change quarterly. The maximum APR 19.000%. Up to 85% LTV. Property insurance required. Citizens Bank checking account required. Subject to credit approval. Terms subject to change without notice. Closing completely by 09/30/2017.

2. Closing Costs: No closing costs simply means the customer is not charged for any of the "closing costs" of the mortgage. Closing cost may include items such as credit report fees, appraisal fees, mortgage preparation fees, title opinion fees and other expenses that are non-recurring (one-time) charges at the beginning of the loan process. If you close your Citizens Bank Home Equity Line of Credit within 36 months from the date of origination, you may be required to remit the closing costs Citizens Bank paid on your behalf.

*Loans are not covered by FDIC. NMLS ID #460129