HELOC It Matters Preview - Citizens National Bank

Home Equity Line of Credit

Unlock the power of your home.

Flexible funds when you need them, for whatever life brings.

Introductory Rate of

1.99% APR ^*

For 6 billing cycles

Variable Rate

7.50% APR

Therafter

Introductory Rate of

1.99% APR ^*

For 6 billing cycles

Variable Rate

7.50% APR

Therafter

Home Equity Line of Credit

Unlock the power of your home.

Flexible funds when you need them, for whatever life brings.

More Possibilities It Matters

Tap into the value of your home with a Home Equity Line of Credit—your flexible financial tool for life’s big plans. Whether you’re renovating, consolidating debt, or funding education, a HELOC gives you access to cash when you need it, with competitive rates and the freedom to borrow as you go. With rising home values and growing equity, now is the perfect time to unlock your home’s potential.

* Introductory rate of 1.99% Annual Percentage Rate (APR) is fixed for the first six (6) billing cycles. After the first six (6) billing cycles, the APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal +/- a margin. The margin is based on your credit score and a maximum LTV of 90%. As of June 13, 2025, the Prime Rate was 7.50% APR. The minimum line of credit to receive the introductory rate of 1.99% APR is $10,000 with a draw of $5,000 or more at closing. Your APR will never be higher than 21 %. HELOC must be new money to CNB, or CNB HELOC must be within one year of maturity. Other HELOC options are available. Collateral cannot be classified as a manufactured or mobile home. If your loan payment is automatically debited from your CNB personal checking account, CNB will pay all bank required closing costs for approved credit lines of $250,000 or less and up to $500 in closing costs for approved credit lines exceeding $250,000. Certain fees may apply from $1 to $1,500 when payment is not auto debited from a CNB personal checking account. Land survey, if required, is not included in bank paid costs. This loan consists of a 10-year draw period with interest only payments and a 15-year repayment period. Repayment period consists of variable rate monthly minimum payments including principal and interest. Repayment APR is based on U.S. Prime Rate as published in the Wall Street Journal +/- a margin but will not exceed 21%. Homeowners insurance is required. Rates and APRs are subject to change without notice. Subject to credit approval.

Why you should get a Home Equity Line of Credit.

Flexible Access to Funds

A HELOC works like a credit card backed by your home’s equity, allowing you to borrow only what you need, when you need it.

Lower Interest Rates

Compared to personal loans or credit cards, HELOCs typically offer lower interest rates, making them a cost-effective borrowing option.

Home Improvement Financing

Many homeowners use HELOCs to fund renovations or upgrades, which can increase the value of their property.

Debt Consolidation

A HELOC can be used to consolidate higher-interest debts into one manageable payment with a lower rate.

Have a Banker Contact You

Or call us at 601.693.1331. We are here to help.

Frequently Asked Questions

What is a HELOC and how does it work?

A Home Equity Line of Credit (HELOC) is a flexible borrowing option that lets you tap into your home’s equity as needed—similar to a credit card, but with typically lower interest rates.

What can I use a HELOC for?

You can use your HELOC funds for just about anything—home renovations, education expenses, debt consolidation, or even unexpected costs.

How do I access the money?

Once approved, you can draw from your HELOC using checks, online transfers, or in-branch withdrawals, depending on your lender’s setup.

Will applying for a HELOC affect my credit?

Yes, like any credit product, a HELOC appears on your credit report. Responsible use—like making payments on time—can help build or maintain a strong credit score.

Do I need a full home appraisal to qualify?

Not always. Many lenders use quick valuation tools or drive-by assessments instead of full appraisals to determine your home’s value.

Your money is safe.

At Citizens National Bank, your peace of mind is backed by more than 137 years of strength, dedicated service, and FDIC protection. We’re committed to helping you grow and safeguard your finances with secure, dependable banking you can trust.