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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 furnace, finish the basement, 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

  • 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.
  • No 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.

Fast and Easy Access 


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Equity Checks 
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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.

Planning Your Next Home Project
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Graph showing inclineEstimate your Home's Equity
Top 5 Ways to Use Your HELOC


*Home Equity Line of Credit (HELOC) lowest rate is Prime (7.50% Annual Percentage Rate (APR) as of 9/2/2025). 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 9/2/2025) 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.

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