Skip Navigation
Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Having trouble? Contact Us
EnrollForgot/Unlock User IDForgot Password
Go to Wealth Management Go to Brokerage Go to Credit Cards Go to Order Checks Go to BaZing Go to ntraFi® - ICS® and CDARS
man and woman laying on ground surrounded by construction items.

Home Equity Line of Credit

A Smarter Way to Use the Value You've Built

Apply Now


Couple working with a contractor for home renovations

Why Choose a Civista HELOC?

orange line

Flexible Funding

Draw what you need, when you need it — up to your credit limit — for the first 10 years.

 

Lower Payments

Interest-only payments during the draw period to keep monthly costs down.

 

Zero Closing Costs*

No closing costs on lines under $500k that remain open at least 36 months.

 

Fast and Easy Access

Transfer funds to your Civista checking account in seconds right inside our mobile app.

Simple 3-Step Process

  1. Check your equity. Use our HELOC calculator to estimate available funds.
  2. Apply online in minutes — no branch visit required.
  3. Access cash. During the 10-year draw period, borrow as needed and pay interest-only; then repay principal & interest over the next 10 years.
 
 


Popular Ways to Use Your Line

home improvements iconHome Improvement

Add value with a kitchen refresh, new roof, or finished basement.

 

education and tuition iconEducation and Tuition

Pay for college or private school at a rate often lower than student loans.

 

unexpected expenses iconUnexpected Expenses

Access a ready safety net for medical bills or large, time-sensitive costs.

 

 

Finance Your Goals

FAQs:

 

What is a HELOC?

A home equity line of credit (HELOC) is a revolving line of credit that is secured by your home for you to use again and again.

 

Is the rate fixed or variable?

The rate is variable and based on the Wall Street Journal Prime Rate for both the draw and repayment periods.

 

How is my payment calculated?

During the draw period, you pay interest only on what you've borrowed. When the 10-year draw period ends, payments convert to principal + interest, amortized over ten years.

 

Can I draw funds after the draw period ends?

No. Once the draw period ends, additional advances are not available.

 

What information do I need to apply?

Information for all borrowers, including:

  • Social Security
  • Contact & employment information
  • Best estimates of income, assets, and liabilities

 

I'm having issues with my online application. Who can help?

If you're experiencing issues or have questions about your online application, please contact our team at 412.539.0377.





Ready to Put Your Equity to Work for You?


Grey color block
Graph showing inclineHELOC Calculator
Top 5 Ways to Use Your HELOC
Grey color block

Location pin icon
Our Locations


*Home Equity Line of Credit (HELOC) lowest rate is Prime (7.25% Annual Percentage Rate (APR) as of 9/18/2025). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close out your home equity line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 9/18/2025) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.75%; maximum APR is 25.00% (OH, MI, PA), 21% (IN), 19% (KY). Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio.

Draw period: 10 years (interest-only payments). The interest rate on a HELOC is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 10-year draw period of your home equity line of credit. Repayment period: 10 years (principal & interest payments). Property insurance required and flood insurance may be required. Minimum loan amount is $10,000.00. Consult your tax advisor regarding interest deductibility. Subject to credit and property approval. Advertised rates and terms are subject to change without notice.

I want to ...

Buy a Home
Find Personal Checking Options
Save More
Learn More About our Mobile App
Enroll in FraudEYE Text Alerts
Learn About Identity Theft Protection