Smart Borrowing Solutions

Smart borrowing when you need it.

Exclusive HELOC introductory rate offer: 3.99% APR.

What can you achieve with a long-term source of financing like a Home Equity Line of Credit (HELOC)? Speak to your Relationship Manager about borrowing with our HELOC, which includes a low introductory rate of 3.99% APR for six months. Thereafter, variable APRs from 4.000% to 10.525% apply.1


  • Start home renovations or improvements 
  • Fund educational expenses 
  • Pay unanticipated expenses
  • Invest in assets, like a second home

contact your Relationship Manager


Applications for a new HELOC must be submitted and received no later than October 31, 2019. The 3.99% introductory APR does not apply to the Flex Line of Credit product. HELOCs are subject to credit and property review and approval. Not all applicants will qualify. HELOCs must be secured by a first or second lien on a 1–4 family residential dwelling. HELOCs are not available in all states. Additional terms and conditions apply. 

HELOCs have variable APRs subject to change daily without notice. The APR is based on the highest U.S. Prime Rate, plus a margin. As of September 24th, the prime rate is at 5.00% and current variable APRs range from 4.000% to 10.525%. The minimum APR is 3.25%. The maximum APR is 15%. After the introductory rate period, you may be eligible for a 0.25 percentage point discount to your APR by making automatic payments from a City National® checking or savings account. APRs and discounts are subject to change without notice. 

For HELOCs with a credit limit of $1,000,000 or less, closing costs vary and generally range from $0 to $12,000 ($25,500 in New York). Ask us for an estimate of closing costs for HELOCs with a credit limit greater than $1,000,000. An early closure fee of $500 of the credit limit may apply if your HELOC is closed within the first three years (not applicable in all states). Hazard insurance and flood insurance (if in a flood zone) are required. Additional fees: $65 annual maintenance fee (if the account is inactive); $400 processing fee if the property is vested in an LLC; $250 reappraisal fee (if necessary, after the account is opened); $438 reconveyance and recording fees (California only).