Don't move...Improve!
Access cash from the equity in your home. Our home equity loans and lines of credit use your home's equity as backing to lock in an affordable rate. These lending options are ideal for home improvement projects, education expenses, major life events, debt consolidation and other major purchases.
Home Equity Term Loan
Home Equity Term Loans are taken as one lump sum and paid off with monthly installment payments of principal and interest.
Home Equity Loan Features
- Accommodating repayment terms that work for your budget
- 0.25% discount on your interest rate when your monthly payment is automatically deducted from a Tri City National Bank checking account
- Interest paid might be tax deductible3
- Local decision-making and processing
Contact A local Lender
Apply Now
Home Equity Line of Credit (HELOC) Promotion
Our new HELOC offers borrowers the option to convert all or portions of the Line of Credit into fixed rate installment loans. See specific features below.
HELOC Features
- Community banking with local loan decision-making and processing
- Accommodating repayment terms that work for your budget.
- Great promotional rate!1
- Now: 2.99% APR (special introductory fixed rate for 12 months)
- Later: A variable rate, following the introductory period. Ask us for details.
- 0.25% discount on your interest rate when your monthly payment is automatically deducted from a Tri City National Bank checking account
- No closing costs!2
- Make draws on your line of credit as small as $1,000
- Funds are available when you need them – no need to reapply.
- Funds are easily accessible by HELOC check, Online Banking transfer, telephone banking transfer, or through your local Tri City branch
- Convert all or a portion of your Line of Credit into fixed rate installment loans3
- Interest paid might be tax deductible4
Contact a local lender
Apply Now
Loan Calculator
City National Bank Home Equity Loans Review
City National Bank Home Equity Loans is offered by City National Bank of Texas (NMLS #429921), a bank founded in 1889 and based in Sulphur Springs, TX. City National Bank Home Equity Loans is available in 1 state across the USA.
City National Bank Home Equity Loans FAQ
Typically, borrowers with good credit can qualify for up to 85 percent of the value of the property less the balance on their first mortgage.
Remember the APRs of home equity loans do not include points and financing charges, just the interest rate.
What fees does City National Bank Home Equity Loans charge for a home equity loan?
City National Bank Home Equity Loans may charge a loan origination fee
What types of property can you use as security for a home equity loan with City National Bank Home Equity Loans?
Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. City National Bank Home Equity Loans will consider loans secured by the following property types:
- Primary home.
- Secondary homes and vacation properties.
- Investment properties and house flipping projects.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message From City National Bank of Texas
Home equity loans allow you to borrow against the equity in your home for home improvement, debt consolidation or major purchases. Simply apply online or visit any location to visit with a loan officer for loan options.
*City National Bank is developing a new insurance tracking process for collateral secured loans. In order to keep your insurance information current, you will need to change your lienholder information with the new address below:
City National Bank Insurance Center
PO Box 775
Kennesaw, GA 30156
Fax: 833-470-0733
Phone Number: 469.396.0184
You will be notified via mail of this change, however if you have any questions or concerns, please contact your loan officer or call 903-438-4890. We appreciate your patience and understanding as we try to make this transition as smooth as possible for our customers.
*Updated 09/23/2020