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Future tuition. That new home addition. Or maybe just for a rainy day. Whatever you — or life — might have planned, leveraging a new home equity line of credit (HELOC) may be a smart way to stay a step ahead.

Low Introductory Rate

3.49% intro APR for the first 12 months  |  As low as 5.50% variable APR after.
Minimum $250,000 in qualifying assets required.1

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Features & Benefits

Flexible Credit Lines

Access credit lines from $25,000 to $5 million, use the funds only when you need them and pay interest only on the amount you use.

Low or No Closing Costs

Open a HELOC up to $1 million and pay little to nothing in closing costs.


Revolving Line of Credit

Borrow for up to 10 years and pay interest only on the borrowed amount.


Call us or visit a branch and a Relationship Manager will help you open an application. If you're already a client, contact your Relationship Manager.

Interest on a home equity line of credit may be tax deductible. Consult with your tax advisor.2

You can use a home equity line of credit for a variety of financial obligations. However, most clients use HELOCs to help pay for large expenses such as college tuition or home improvements.

Simply write out a check or request a telephone transfer for the amount you need. HELOC checks work just like your checking account — only you know it's a loan.

We offer credit lines from $25,000 to $5 million (if secured by a first lien; the maximum is $2 million if secured by a second lien).

HELOCs are subject to credit and property review and approval. Your HELOC must be secured by a first or second lien on a 1-4 unit residential dwelling. HELOCs are not available in Texas. Additional terms and conditions apply. Not all applicants will qualify. All stated APRs, margins, and discounts are subject to change without notice. For HELOCs of $1,000,000 or less, closing costs such as appraisal and title fees are paid by City National Bank. You may be responsible for local mortgage or transfer taxes ranging from $0 to $10,500 ($16,500 in New York). Ask City National Bank for an estimate of closing costs for HELOCs greater than $1,000,000. Additional fees: $438 reconveyance and recording fees (California only). An early closure fee of $500 may apply if your line is closed within the first three years (not applicable in all states). If your HELOC is closed within the first three years, we will add any closing costs we advanced on your behalf to your account balance for reimbursement. Hazard insurance and flood insurance (if in a flood zone) are required. No annual fee.

HELOCs have variable APRs subject to change daily without notice. Your APR will be based on the highest U.S. Prime Rate plus a margin. Your APR may change as often as the Prime Rate changes. Current variable APRs as of July 28, 2022 range from 5.50% to 11.375% for second lien HELOCs and 5.00% to 10.875% for first lien HELOCs. The lifetime minimum APR is 3.25% for second liens and 2.75% for first liens. The lifetime maximum APR is 15%. The lowest variable rate disclosed includes the greatest relationship discount available. The rate also assumes a borrower with excellent credit. Not all applicants will qualify for the lowest rate.

1. 3.49% intro fixed APR for the first 12 months. After 12 months, variable rates of 5.50% to 11.375% apply for second liens and 5.00% to 10.875% for first liens. Rates effective as of July 28, 2022. Minimum relationship of $250,000 in qualifying assets required. Not all assets will qualify. Certain clients may qualify based on additional criteria. Applications must be received by October 31, 2022.

2. City National Bank, its affiliates and subsidiaries, as a matter of policy, do not give tax, accounting, regulatory or legal advice. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretations. You should consult with your other advisors on the tax, accounting and legal implications of actions you may take based on any strategies presented taking into account your own particular circumstances