Home Equity Loans

Fixed rate. Fixed term. Fixed payment.

Lock in a rate for up to 10 years. As low as 4.86% Annual Percentage Rate.Interest Rates: Advertised rate good for loans $10,000.00 and above with maximum term of 10 years and maximum loan-to-value (LTV) not exceeding 90%. Payment example: $25,000.00 at 4.86% Annual Percentage Rate will result in 120 monthly payments of $263.46. Maximum LTV may be lower for some properties.
Tax Benefits: Consult your tax advisor regarding the deductibility of interest.
Loan Terms: Rates and terms are subject to change without notice. Offer subject to approval, including credit approval, and collateral requirements. Citizens National Bank must receive a valid first or second real estate lien on a primary residence owned and occupied by the borrower. Offer does not include manufactured homes. Property insurance required including flood insurance, where applicable. Minimum loan amount $10,000.00.
Closing Costs: Borrower pays all closing costs associated with the loan. Total costs vary depending on the loan amount and location of the property. Loans less than $250,000.00 typically have costs ranging from $350.00 to $900.00. 
Limitations: Home Equity Loans may only be secured by a 1st or 2nd lien on a single family home that is the borrower's primary residence. Home Equity Loans may not be used for Purchase Money or permanent financing of a Construction or Bridge loan.

Put your home's equity to work for you.

  • Consolidate Bills: Put your debt on a diet by consolidating your debt with a Home Equity Loan. One low interest rate. One low monthly payment.
  • Make Home Improvements: Yes! Your house can help you remodel. A new kitchen worthy of gourmet meals. A new backyard for your barbecue. Or a pool that makes a splash for your summer downtime. Your home's equity can make it happen.
  • Pay for an Education: Tuition. Books. Living expenses. Your house has that covered for your college-bound student.
  • Make Major Purchases: Use the equity in your home to buy that big-ticket item. New appliances. A boat. A new RV. Take a trip. Pay for your child's dream wedding. The options are limitless with a Home Equity Loan.

Lock it in.

Borrow just the amount you need and repay it with a fixed rate that will not change when other rates go up. Expect the same payment amount every month. Know your exact payoff date for your loan.

Interest may be tax deductible.

The interest you pay will be low, but it also may be tax deductible, just like your mortgage interest. Please consult a tax advisor about your individual situation to determine whether your Home Equity interest paid will be tax deductible.

Have a Banker Contact You