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Historically low rates. Lowered.

Because it’s in a Citizen’s best interest to pay low interest.

Whether you’re looking to buy a home, refinance one, or take advantage of the equity you’ve put into one, we’ve got great rates and incentives to help get you started.

For first time homebuyers our historically low rates and hassle free process can help turn your dreams into a reality. For current homeowners, you can refinance your existing mortgage at a lower rate with our Circle Gold Mortgage Advantage™. Or consider our home equity loans and lines of credit to help consolidate debt, fund a remodeling project, pay for a college education and more. Whatever your need, we’re here to help.

Home Equity Offer:

  • Take advantage of Historically low rates and pay no closing costs with a Charter One home equity loan or line of credit.
Get more details
 

Mortgage Offer:

  • Take 1/8% off our already low mortgage rates with Circle Gold Mortgage Advantage™.
Get more details
 

To apply call 1-888-567-1514
To contact us call

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Charter One is a division of RBS Citizens, N.A.

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All accounts, loans and services are subject to individual approval.

Mortgage Rate Offer: Circle Gold Checking® with automatic payment deduction required to receive 1/8% off your mortgage rate. One offer per property. Not applicable to Bond, CRA or our Jumbo Loans. Exclusions and restrictions may apply. All accounts are subject to individual approval. Mortgages are originated and are offered by RBS Citizens N.A. (NMLS ID# 433960). Charter One is a division of RBS Citizens, N.A. Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania (NMLS ID# 522615). RBS Citizens, N.A. and Citizens Bank of Pennsylvania are affiliates.

Home Equity Line of Credit: For a limited time only our best rate, including all discounts, is Prime minus 0.26% (2.99% Annual Percentage Rate (APR)) available in CT, DE, MA, NH, NJ, OH, PA, RI & VT only. Prime minus 0.01% (3.24% APR) available in MI, IL & NY. For best rate, minimum line amount $100,000, with a balance of $25,000 at closing, and a Circle or Circle Gold checking account with auto debit. New application required. Variable APR based on The Wall Street Journal “Prime Rate” (“Prime”) published on the last business day of the month, 3.25% APR as of 8/31/2011. Maximum APR 21%, (18% in NJ and PA). Minimum APR 2.50%. 1- to 4-family owner-occupied properties, condominiums, and 2nd / vacation home owner-occupied properties. Rate and terms may change at any time before or after account opening and vary by property type, loan amount, credit history, lien position, and loan-to-value (LTV) ratio and draw amount at closing. Not available for homes currently for sale.  Homes listed for sale must be off the market for at least ninety days prior to application. Property insurance required. Flood insurance may be required. Trust review fees ranging from $85 to $350 apply for properties held in trust. No annual fee first year, then $50 per year. Pre-payment penalty of $350 if closed within first 36 months. No pre-payment penalty in NJ and PA. Offer not available on CAPPED RATE HOME EQUITY LINE OF CREDIT®. Checking account required. Circle or Circle Gold Checking with automatic deduction required for best rate. All accounts are subject to individual approval. Consult your tax advisor regarding deductibility of interest.