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Home Equity Line

Imagine all you can do.

Put the equity you’ve built in your home to good use.

Whether it’s to replace your roof, remodel the kitchen, help with college tuition, pay medical bills or consolidate debt, a home equity line of credit (HELOC) is easily accessible when you need it.


What is a HELOC?

A home equity line of credit (HELOC) is a revolving line of credit that is secured by your home.


Features of a Civista Bank HELOC

  • Interest-only payments provide the flexibility of lower monthly payments1
  • Variable rate
  • Revolving line to use again and again up to your available credit limit
  • No annual fee with automatic payment from a Civista personal checking account
  • No pre-payment penalty
  • No closing costs with minimum line advance1


Other financial benefits, too.

A HELOC often has a lower variable interest rate than other loan types or credit cards, and potential tax advantages (consult your tax advisor). Of course, you never have to use your HELOC at all. But, at least you know it's there.

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Important information

Important considerations when managing Interest-Only Payments:  The interest rate on a home equity line of credit 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 15 year draw period of your home equity line of credit.  At maturity, any remaining account balance outstanding will be due in a single balloon payment.  At that time, the bank may, but is not obligated to, refinance the line of credit. 

Home Equity Line of Credit (HELOC) lowest rate is Prime (5.00% Annual Percentage Rate (APR)) as of 7/1/18.  Lowest rate includes no closing costs with minimum line advance of $5,000.00 for line up to $100,000.00; $20,000.00 minimum line advance for lines >$100,000.00 and <=$250,000.00; and minimum line advance of $100,000.00 for lines greater than $250,000.00.  Annual fee is $50.00 and is waived with automatic monthly payment deduction from a Civista Bank personal checking account.

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 3.25% and maximum APR is 25.00%.  Rate and terms may change at any time and vary by property type, loan amount, credit history, loan-to-value ratio, and advance amount at closing.  Property insurance required and flood insurance may be required. 

Subject to credit and property approval.