Got home equity? You've got options.

Renovations. Education. Debt consolidation. Whatever your goals are, our lenders can help you find the right home equity product for your needs — and handle all the details.

Two convenient ways to use your home's equity 

💰 Home Equity Loans

  • Get a one-time lump sum for big projects or major expenses

  • Enjoy a fixed rate and predictable monthly payments

  • Borrow up to 90% of your home’s value

  • Quick, local decisions — with rates as low as 7.5% APR*

💳 Home Equity Line of Credit (HELOC)

  • Access funds as you need them for renovations, expenses, or anything else

  • Borrow up to your approved limit again and again during the draw period

  • Competitive variable rates with no application fee

  • Easy access to funds for up to 10 years**

*Subject to credit approval. Variable-rate plan; current Annual Percentage Rates (APRs) range from 7.25% to 12.25%, depending on credit qualifications.

**The plan includes a 10-year draw period followed by a 10-year repayment period. Rates and terms subject to change without notice. Additional conditions may apply.

How to Apply

We take a more personal approach to lending.

When you apply, you’ll talk with a local lender who cares about your goals and makes the process simple. We’ll handle the forms, answer your questions, and make sure everything’s done right—no bots, fine print, or frustration.

Option 1: You Call Us

Call our lending team Monday–Friday, 8 a.m.–5 p.m. EST.


We’ll complete your application together, walk through approvals, and get it done right.

 

Call 888-529-5450

 

 

Option 2: We'll Call You

Fill out a short form with your contact info and communication preferences — either email or phone call.

If you prefer a phone call, you'll be able to let us know what times work best for you, and one of our lenders will call you at your convenience.

 

LET'S TALK

 

Why choose Citizens State Bank?

Local lenders. Real relationships. Better borrowing.   

We're a community bank. Our lenders are your neighbors and friends who understand and care about your goals — not strangers in a call center a thousand miles away. 

1
 
One-on-One Guidance
No second-guessing. Work directly with an expert who cares about your financial picture, goals, and helping you pick the best home equity product for you.
 

 

3-1

Done-For-You Application

Save time (and stress). We'll fill your application out for you, answer your questions, and handle the details, so you can feel good skipping the confusing forms and fine print.

2-1
Community Borrowing = Community Impact
 We're commited to your neighborhood because we're from your neighborhood. Every loan supports your community's local economy — not just shareholders' pockets.

 

Meet Your Lenders

Our friendly mortgage lending team is ready to help you find the best home equity product for your goals.
 

 

Cassandra Miller

Mortgage Team Leader

P: 765-521-6545

M: 765-274-1008

NMLS: 647312

  • New Castle - Broad Street
  • Rushville
Cassandra Miller's Email Link Cassandra Miller's LinkedIn Link Cassandra Miller's Zillow Link MORE INFO

Ken Hall

Regional Mortgage Loan Officer

P: 317-844-5170

M: 317-752-3160

NMLS: 623077

  • Pendleton
  • Carmel
  • Fishers
Ken Hall's Email Link Ken Hall's LinkedIn Link Ken Hall's Zillow Link MORE INFO

Melanie Parker

Regional Mortgage Loan Officer

P: 765-348-1055

NMLS: 500071

  • Hartford City - Walnut Street
  • Knightstown
  • New Castle - Raintree
  • Union City
Melanie Parker's Email Link Melanie Parker's LinkedIn Link Melanie Parker's Zillow Link MORE INFO

Your goals. Our guidance.

Let’s work together to find the right home equity solution for you.

With Citizens State Bank, you get more than a banking product. You get a partner who cares about your goals and your community. Let’s connect and find out how we can help you make the most of your home’s equity.

 

LET'S TALK