Home Equity Line of Credit (HELOC)

The equity you’ve built in your home can be used to guarantee a Citizens State Bank Home Equity Line of Credit (HELOC). A HELOC is a revolving line of credit, which means you can borrow (up to a preset limit determined by your equity) the amount of money you need, when you need it. Access your HELOC for home improvements, to consolidate debt, pay for tuition, or an emergency fund that’s available if you need it. Our HELOCs offer:

  • Combined borrowing up to 90% of your home’s value
  • Competitive interest rates
  • Quick, local decisions