Citizens Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
West Seneca Branch	101 Slade Ave, West Seneca, NY 14224	View Lobby Hours
Wayland Stop And Shop Branch	101 Andrew Avenue, Wayland, MA 1778	View Lobby Hours
New Bedford Stop & Shop Branch	1001 King's Highway, New Bedford, MA 2745	View Lobby Hours
Guilford Branch	1001 Boston Post Road, Guilford, CT 6437	View Lobby Hours
Portage Road/Tops Branch	1000 Portage Road, Niagara Falls, NY 14301	View Lobby Hours
North Canton	1000 North Main St, North Canton, OH 44720	View Lobby Hours
Birmingham	1000 Haynes Road, Birmingham, MI 48009	View Lobby Hours
Oneonta/Price Chopper Branch	1000 Main Street, Oneonta, NY 13820	View Lobby Hours
Grafton Stop & Shop Branch	100 Worcester Street, North Grafton, MA 1536	View Lobby Hours
Chesaning	100 West Broad Street, Chesaning, MI 48616	View Lobby Hours
Suburban Acme Branch	100 Suburban Drive, Newark, DE 19711	View Lobby Hours
Stratham Shaw's Branch	100 Shaw's Lane, Stratham, NH 3885	View Lobby Hours
Amesbury Stop & Shop Branch	100 Macy Street, Amesbury, MA 1913	View Lobby Hours
North Kingstown Branch	100 Frenchtown Road, North Kingstown, RI 2852	View Lobby Hours
Sturbridge Stop And Shop Branch	100 Charlton Road, Sturbridge, MA 1566	View Lobby Hours
Narragansett Branch	10 Woodruff Road, Narragansett, RI 2882	View Lobby Hours
Hoxsie Branch	10 West Shore Rd, Warwick, RI 2889	View Lobby Hours
Hudson Stop & Shop Branch	10 Technology Drive, Hudson, MA 1749	View Lobby Hours
Albany Downtown / Starbucks Branch	10 North Pearl Street, Albany, NY 12207	View Lobby Hours
Lincoln Branch	10 Lumber Yard Road, Lincoln, NH 3251	View Lobby Hours
Sandwich Branch	10 Merchants Road, Sandwich, MA 2563	View Lobby Hours
Ogletown Acme Branch	1 University Plaza, Newark, DE 19702	View Lobby Hours
West Lebanon Branch	1 Interchange Drive Suite 1, West Lebanon, NH 3784	View Lobby Hours
Flanders Branch	15 Chesterfield Rd, Ste 1, East Lyme, CT 6333	View Lobby Hours
Pittsfield Rte. 7 Stop & Shop Branch	1 Dan Fox Drive, Pittsfield, MA 1201	View Lobby Hours
Somersworth Branch	1 Constitutional Way, Somersworth, NH 3878	View Lobby Hours
Mishawum Branch	1 Commerce Way, Woburn, MA 1801	View Lobby Hours
1 Atlantic Street Branch	1 Atlantic Street, Stamford, CT 6901	View Lobby Hours
Cayman Islands Branch	Scotiabank Building, Cardinal Avenue, 3rd Floor, Grand Cayman, 0	View Lobby Hours
Ashland Ky Lpo Branch	332 15th Street, Ashland, KY 41101	View Lobby Hours
Springfield Stop & Shop (S & S)	415 Cooley Street, Springfield, MA 1128	View Lobby Hours
Mattapan Branch	1575 Blue Hill Avenue, Mattapan, MA 2126	View Lobby Hours
Grand Rapids Mi Lpo Branch	4660 Kalamazoo Ave. Se, Kentwood, MI 49508	View Lobby Hours
Clarkston Mi Lpo Branch	7151 Oronville Road, Clarkston, MI 48346	View Lobby Hours
Ann Arbor Mi Lpo Branch	455 E. Eisenhower Parkway, Ann Arbor, MI 48108	View Lobby Hours

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Reviews on Citizens Bank, National Association

Dana E. | Mar 20, 2016

Good solid bank.

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 1513908	5.706%	5.500% 0.88 points $7,414 fees	$1,817	Learn More
NMLS ID: 1105497 License#: 603L227	5.842%	5.750% 1.00 points $3,200 fees	$1,868	Learn More
NMLS ID: 1835285	5.842%	5.750% 1.00 points $3,200 fees	$1,868	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

Citizens Bank, National Association - Nationwide Branches

Reviews on Citizens Bank, National Association

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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