Citizens State Bank, your Hometown Indiana Bank.

Home Equity

Your home's equity is among the most affordable way to borrow moneHome Equityy. You can use the equity in your home to increase your property's value, make a large purchase, or pay off other debt.

Our home equity line of credit (HELOC) is a revolving line of credit with no closing costs, no annual fee* and a low interest rate that is tied to the Prime Rate. You can rest easy knowing you have funds available if, and when, you need them.

A home equity loan offers a low fixed-rate, a simple fixed term, low closing costs, and no prepayment penalty.

As with all of our products, our lenders will work with you to determine the loan product that best fits your specific financial needs. We can process your application quickly, and all decisions are made locally.

To learn more, contact a Citizens State Banker at 888-529-5450, stop by any of our local banking centers, or contact us.

*Annual Percentage Rate (APR) is the Prime Lending Rate or the Prime Lending Rate plus a margin. 4.25% APR as of 7/1/17 with a minimum credit score of 720 and maximum 80% loan to value ratio. HELOC rates are variable and subject to change based on fluctuations in the Wall Street Journal Prime Rate. Maximum 21.00% APR. Homeowners insurance required. $75 annual fee is waived the first year. Normal credit underwriting standards apply. NMLS# 135463