Your home can be a valuable source of financing with benefits such as attractive rates, tax deductible interest*, and low monthly payments.

A Home Equity Credit Line (HECL)is a smart way to pay for the big-ticket items, such as home improvements, vacations or education expenses. And it can also provide a good safety net for unexpected expenses that may arise. Generally, you may borrow up to 80% of the equity you currently have in your home and choose either a 5 year fixed rate option or a 10-year adjustable rate option.


*Consult a tax advisor

Payment Options

AutoPay with eStatement

Never have a late mortgage payment with AutoPay!
You specify which account and what date you would like the payment to be automatically pulled from. You will receive a notice when the payment has posted so you may view it through CNB Online Banking. Complete the one-page form and drop it off at any Citizens National Bank office to enroll. Download the form here!

Recurring Payment through CNB Bill Payment

Set and forget it!
You may set up an automatic electronic payment yourself through CNB Online Banking. Simply designate which Citizens National Bank account you would like the payment to pull from and what date each month you would like the payment to be made. Learn more about CNB Bill Payment.

Express Transfer through CNB Online Banking

Payment flexibility!
Through CNB Online Banking, simply transfer money from your Citizens National Bank checking to your mortgage account each month. You decide what day you make your payment and it posts the same day if you make the transfer before 6:00 PM Monday-Friday. Learn more about CNB Online Banking.

Home Equity Line of Credit FAQs


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More Information

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