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    Lending Services
    • Home Equity Line of Credit

      Your plans, made possible

      A home equity line of credit can help make whatever you're reaching for a reality. And with our great rates and flexible financing, there's no better place to turn than Citibank.

    • Right for you if:

      • You've already built up equity in your home
      • You want to withdraw money as you need it
      • You want to borrow between $10,000 and $1,000,0001

    Low Rates2

    For a $50,000 Home Equity Line of Credit, competitive rate such as 4.49% variable APR (Prime + 1.24% variable APR)1.

    Flexible Financing

    Our lines range anywhere from $10,000 to $1,000,000, plus you have the ability to draw funds as you need them.

    Relationship Rewards

    A home equity line of credit account can help you earn monthly ThankYou® Points when it is linked to a checking account enrolled in Citi ThankYou® Rewards.

    To learn how you can earn rewards for your banking relationship3, click here

    Get the Lowest Rates

    To qualify for the lowest rate, you must:

    • Use Citibank Auto Deduct

      Citibank Auto Deduct

      With Citibank Auto Deduct, the required payment on your Citibank loan or line of credit is automatically deducted from your selected checking, savings or money market account.

      Please note that Citibank Auto Deduct does not deduct any Past Due Amounts or Fees/Charges that are reflected as due on your loan or line of credit statement (you are responsible for making these payments).

       (an automated monthly debit from a Citibank deposit account) for repayment
    • Meet minimum line amount requirements
    • Utilize at least $25,000 of the line at account opening
    • Meet certain loan-to-value


      The ratio of the principal balance of a home loan to the estimated market value. A $100,000 home with a $75,000 mortgage, for example, has a loan-to-value ratio of 75%.

      , conditions credit qualifications, and documentation requirements
    • Meet relationship balance requirements


    • $50 annual fee (not applicable if property is located in Texas)
    • No application fees, points or closing costs2
    • The interest you pay is potentially 100% tax deductible4
    • You have the flexibility to take advantage of present rates, and the security of opting for a fixed rate and fixed monthly payments on available balances5

      Home Equity Lines are not offered in Alaska. A Home Equity Line of Credit is available for 1-2 family homes, 3-4 family homes that are primary residences in 1st lien position (excluding Texas) and for co-ops in New York, Illinois, District of Columbia, New Jersey, and Maryland. It is not available for mobile homes in any state.

    1. The minimum line amount:
      - $10,100 for Arizona Properties
      - $12,000 for North Carolina properties
      - $25,100 for Iowa and Wisconsin properties
    2. Rates as of 04/23/2014. Variable Annual Percentage Rate (APR) can be as low as Prime plus 0.74% (currently 3.99% variable APR) and as high as Prime plus 3.74% (currently 6.99% variable APR).

      To qualify for the featured rate, customers must be approved for a line amount of $50,000 or more, meet relationship balance requirements or have excellent credit, use Citibank Auto Deduct (an automatic monthly debit from a Citibank deposit account) for repayment, meet certain loan-to-value and lien position conditions, and take an initial draw of at least $25,000 at closing. The variable APR is indexed to the Prime Rate as published in the "Money Rates" section of The Wall Street Journal. Your rate might be lower depending on the state where your collateral property is located.

      Maximum APR is 18%. Annual Fee: $50 (not applicable if collateral property is located in TX.) Additional rate discounts may apply. Customers who elect to pay closing costs will receive an additional 0.25% rate reduction (not applicable if collateral property is located in TX.). Closing costs can range from approximately $587 to $18,217, except in NY where they can range from approximately $ 642 to $ 24,527. Closing costs may vary based upon the line amount, property location and title insurance required.

      An Early Closure release fee may be charged to recover all costs incurred in originating your loan and may apply if you close your account within 36 months (not applicable if collateral property is located in TX.) Property insurance and the fee to release an existing mortgage may be required. Certain limitations apply. Loans subject to credit approval. Rates are subject to change without notice. Applicable for loans sizes up to $1million. No third lien positions. Home Equity Lines of Credit are available to U.S. residents only.

      During the draw period, (i.e. the first 5 years) your monthly minimum payments can be as low as "interest only". If you choose to pay only the amount of interest due, then at the end of the interest only period you will still owe the original amount you borrowed and your monthly payments will increase because you must pay back the principal as well as interest. Your payment could increase even more if your variable rate increases.
    3. Separate enrollment of eligible checking account in Citi ThankYou® Rewards required. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. taxpayer identification number. Taxes, if any, are customer's responsibility. You must complete 1 Bill Payment and 1 Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. Citigold® and Citi Private Bank clients who do not complete these transaction requirements can earn points at a reduced level.
    4. Consult a tax advisor concerning the deductibility of interest.
    5. Fixed Rate and fixed payment convertibility feature only available to customers in good standing who meet account balance and LTV requirements; other restrictions and terms apply. Not available if your collateral property is located in Texas.
    6. Citibank also provides Home Equity Lines of Credit in combination with a Citi mortgage. Please speak to a personal banker for more details.

      Checking Plus® (variable rate), personal loans, and Home Equity Loans and lines of credit as well as First Mortgage products are offered by Citibank, N.A., an Equal Housing Lender.

      Citi ThankYou and ThankYou are registered service marks of Citigroup Inc.