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HELOC

Use the equity you’ve built in your home to fund what’s next, on your terms.

Turn Home Equity Into Opportunity

Home improvements. College tuition. High-interest debt you're ready to be done with. These don't have to wait — or cost you more than they should.

A Civista Home Equity Line of Credit turns the value you've already built into accessible funds at favorable rates, so you can move forward without starting over financially.

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Why a Civista HELOC is the Right Fit

A Civista HELOC can provide you with specific benefits that other personal financing solutions can’t match.

Flexible Funding

Draw the funds you need in exact amounts — up to your credit limit — for the first 10 years.

Lower Payments

Make interest-only payments during your draw period, helping you keep monthly obligations to a minimum.

Easy Access

Draw funds right away, and transfer to Civista Checking accounts in seconds from your mobile app.

Zero Closing Costs*

Pay zero closing costs on lines under $500,000 that remain open for at least 36 months.

Frequently Asked Questions

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Are HELOC rates fixed or variable?
  1. The rate is variable, and is based on the Wall Street Journal Prime Rate for both the draw and repayment periods.
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Ready to Apply?

Contact your local branch to schedule an appointment with a lending specialist and explore your options, or apply online for additional convenience.
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