Turn your home’s equity into cash.

Take advantage of Citadel’s home equity loan rates and products to access money when you need it.

Borrow Using the Equity in My Home

As a valued Citadel customer, we make it easy to get the cash you need. Home equity loans allow you to borrow against the equity in your home. Essentially, your home’s equity is its market value minus your mortgage balance. From making home improvements to consolidating credit cards, a home equity loan can help.

Review our Home Equity Loan and Line of Credit options below!

Home Equity Line of Credit

Citadel’s Interest-Only Home Equity Line of Credit lets you borrow against your home with a lower interest-only payment for 10 years, giving you more flexibility when it comes to repayment.

Home Equity Loan

Learn more about how Citadel’s home equity loan gives you a low, fixed monthly payment for large purchases. Borrow up to 95% of your home’s appraised value.

Ready to speak with a representative about Citadel's Home Equity Loan options?

Schedule Appointment

^*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.

AS LOW AS

6.940%REG

6.983%APR

7 Year Home Equity

7 Years

fixed rate*

AS LOW AS

6.940%REG

6.983%APR

10 Year Home Equity

10 Years

fixed rate*

AS LOW AS

7.190%REG

7.211%APR

15 Year Home Equity

15 Year

fixed rate*

AS LOW AS

7.740%REG

7.757%APR

20 Year Home Equity

20 Years

fixed rate*

AS LOW AS

4.99%INTRO

8.50%APR

Interest-Only HELOC

6 Month Intro Term

variable

What is a HELOC?

A Home Equity Line of Credit, or HELOC, has become more popular than ever. If you're a homeowner, you should know how to capitalize on your most important investment and when it might be the right time. Hear from our Vice President of Real Estate Lending, Lisa Albany, on how to use your home’s equity to your advantage and how to apply for your own HELOC.

Interested in accessing your home equity?

Complete the form below to have an expert review your Home Equity Loan options.

*First and Last Name *Address *Email *Telephone Number *Preferred Method of Contact Questions/Comments

Please Note: Since Citadel is a credit union, you can open an account with us if you live, work, worship, or study in the following Pennsylvania counties: Bucks, Chester, Delaware, Lancaster*, Montgomery or Philadelphia. You can also become a Citadel customer if a member of your family or household is eligible to be a customer, no matter where you live. *People who do any of the following in the City of Lancaster: work, worship, perform volunteer services, participate in programs to alleviate poverty or participate in associations headquartered in the city. Citadel Home Equity loans are available in PA, NJ, MD and DE.

Still have Questions? We can Help.

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(800) 666-0191

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Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
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✔ Apply for a loan
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Hear From Our Members

Wonderful HELOC Service

“I wanted to reach out to express my sincere appreciation of the Citadel team's above and beyond service related to my HELOC. Interestingly, I have gone through the same process with another bank two months ago, which was essentially refinanced with the Citadel HELOC. My experience could not have been more different, and I can't be happier with Citadel. I worked with Debbie, Ryan, Maria and Amanda. I understand that they may work for different departments, but it appeared that they worked as one cohesive unit. Everyone was so helpful, responsive, and trustworthy. I have relationships with many different banks, but Citadel has definitely become my top choice, and I know I will start with Citadel for all my lending needs as long as they have an offer for me. Thanks again!”

Alex H.

Stress Free Mortgage Experience

“Citadel made my mortgage experience stress free. They answer all my calls immediately. I rate this credit union at a 10 our of 10. ”

Kevin P.

Learn more about Citadel's Mortgages options.

Pleasant, Polite and Professional

“Citadel is amazing! Thank you so much to Citadel’s Mortgage Team! I recently tried to get a HELOC with another bank and they didn’t communicate, denied me without any notice for equity, and gave me a low estimate. I told my husband that we should try Citadel. Going with Citadel was the best decision ever. The communication was on point and the process was a breath of fresh air. Everyone was so pleasant, polite, and professional. I’ve been telling everyone about my great experience!”

Stacey K.

Learn more about HELOC today!

Happy HELOC Customer

“After 20 years of business with another credit union, my Home Equity Line of Credit term ended. When I tried to renew it, I was told 'I could re-apply' and was bombarded with 50 requirements to prove I could be trusted, even though I'd never had a late payment. When I walked into a brand new Citadel that opened near by, the staff (who were total strangers) treated me like an old friend. After a basic credit inquiry, I had my new HELOC, as well as three other new accounts (at better rates)! When I closed my old account, I let my former lender know how warmly I was treated by Citadel! ”

Phil R.

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Citadel is an Equal Housing Lender.

Fixed Home Equity Loans

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for second lien position loans up to 80% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Loans above $500,000 will require borrower to purchase title insurance. Various APRs and terms are available up to 95% LTV with excellent credit. Lender fees will apply. Home equity third party fees ($415-$1,000). Offer is subject to credit approval, income verification and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well Property cannot be a co-op or mobile home. Other restrictions may apply. *Rate as of .

Home Equity Line of Credit

Offers are subject to credit approval. APR=Annual Percentage Rate. Information accurate as of and may be withdrawn or subject to change without notice. Call (800) 666-0191 for current information. Loan to value (LTV) is determined by dividing all outstanding loan balances by the appraised value of the property. Loans above $500,000 will require borrower to purchase title insurance. All accounts, loans, and services are subject to approval and membership eligibility requirements. Loans are available on primary homes in PA, NJ, MD and DE. Consult your tax advisor about deductibility of interest. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well

Home Equity Line of Credit Terms and Fees: 6-month introductory APR = 4.99% for line amount of $100,000 or more; 5.49% $50,000-$99,999; 5.99% less than $49,999. Home equity line of credit APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. Current Prime Rate as of is 8.50%. Variable APR ranges from Prime (for lines $100,000 and above) to Prime + 2.99%, depending on credit, your final loan amount, loan term, loan to value and actual finance charges. Current home equity line of credit APR floor is 3.25%. Maximum APR is 18.00%. Maximum LTV = 90% with excellent credit. Closing costs include a recording fee which could vary depending on the state and/or county ($125 - $275). If line is closed within three years after opening, there is a $250 early termination fee.