Home Equity

  • Home Equity Loan

    • Get all of your cash upfront

    • Ideal for debt consolidation or a major purchase

    • Fixed rate means your payment won't change

    Home Equity Line of Credit

    • Access your equity by writing a check

    • Ideal for ongoing expenses like tuition or home improvements

    • Competitive variable rates

  • A home equity loan or line of credit can make it happen!

    Access the equity in your home for:

    • • Home improvements
    • • New car or truck
    • • Debt consolidation
    • • Travel or major purchases
    • • Children's education
    • • Emergency expenses... and more

Our Home Equity experts will discuss your needs,
answer your questions, and guide you through the entire process.

Call 1-888-777-4311 to apply by phone.

Or APPLY NOW online.


Home Equity Lines and Loans are offered and originated by Charter One, a division of RBS Citizens, N.A.
All loans are subject to approval.

*Prime minus 1.00% NOT available for home equity loans. Please contact us for our rates applicable to home equity loans.

Home Equity Line of Credit: Prime minus 1.00% available for lines of $150,000 or more with a loan-to-value (LTV) of 85% or less with a balance of $50,000 at closing. APR may vary based on The Wall Street Journal "Prime Rate" ("Prime") published on the last business day of the month. Rate and terms may change at any time and vary by property type, loan amount and LTV ratio. As of June 1, 2007, the APR was 7.25%. Maximum APR 18%. $100 annual fee. No closing costs or other charges imposed for opening an account except state required mortgage recording tax where applicable.

Not offered in the following states: AL, AK, DC, HI, IA, LA, MS, NM, TX, SC, or WV.