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“Cathie, thank you so much for making this my Home Equity Loan a painless and very easy process!”
Ready for your next big project?
Home Equity Loan
Access the funds you need with a Citadel Home Equity Loan. Take advantage of a low, fixed-rate loan to get help paying for large purchases, major expenses, home improvement projects, or to consolidate debt. You can borrow up to 95% of your primary home’s appraised value or 80% of your vacation home’s appraised value, minus outstanding mortgages. Apply now!
Our team of home loan experts can help you:
➜ Determine how much you can borrow
➜ Calculate your loan payments
➜ Review the loan requirements
➜ Discuss current home equity rates
Schedule an appointment to speak with a representative today.
Home Equity Rates
*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.
Home Equity Rates 5-Year
Home Equity Rates 10-Year
Home Equity Rates 15-Year
Home Equity Rates 20-Year
AS LOW AS
6.240%RATE
6.306%APR
5 Year Home Equity
5 Years
fixed rate*
AS LOW AS
6.490%RATE
6.530%APR
10 Year Home Equity
10 Years
fixed rate*
AS LOW AS
6.740%RATE
6.759%APR
15 Year Home Equity
15 Year
fixed rate*
AS LOW AS
6.740%RATE
6.755%APR
20 Year Home Equity
20 Years
fixed rate*
Ready to speak with a representative about a Citadel Home Equity Loan?
Schedule AppointmentAdditional Features
- Low Closing Costs
- Fixed Monthly Payment
- Online & Mobile Banking – Make payments and manage your loan account. Learn more.
- Tax-Deductible Interest (Consult your tax advisor for details)
Best For...
Those who want a low, fixed-rate loan for a large purchase
Lower closing costs
Flexible terms
Generous loan amounts
How much can I borrow from my home equity?
With interest rates at historical lows, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan, typically a home-equity loan. Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Use this debt consolidation calculator to determine how quickly you could get out of debt and how much interest you might save.
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Assumptions
CalculateHear From Our Members
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Frequently Asked Questions
What is the difference between a home equity loan and a home equity line of credit?
A Home Equity loan lets you borrow amounts based on the amount of equity you have in your home. This type of loan provides a lump sum of money up-front and the loan balance is paid back monthly, with a fixed payment amount and a fixed interest rate. A home equity loan is good for people who have an immediate and specific purpose for the funds, such as home improvements or a big-ticket purchase.
A Home Equity Line of Credit (HELOC) is an open-ended line of credit. A credit limit is set based on the amount of equity you have in your home and can be used whenever you need it. Unlike a home equity loan, once the balance of a HELOC is paid down, the line remains open. Your monthly payment will vary based on your outstanding balance and the variable interest rate. A HELOC is best suited for people who want access to funds in the case of an emergency, have children starting college, or perhaps plan to make a series of purchases or payments over time.
A Home Equity Line of Credit (HELOC) is an open-ended line of credit. A credit limit is set based on the amount of equity you have in your home and can be used whenever you need it. Unlike a home equity loan, once the balance of a HELOC is paid down, the line remains open. Your monthly payment will vary based on your outstanding balance and the variable interest rate. A HELOC is best suited for people who want access to funds in the case of an emergency, have children starting college, or perhaps plan to make a series of purchases or payments over time.
Still have questions? Visit our help center.
Citadel is an Equal Housing Lender.
Fixed Home Equity Loans
Rates and APRs are based on a fixed rate established at the time of loan closing. The rate is based on your credit qualifications, loan to value, and lien position. You can also qualify for a .25% rate discount when you schedule automatic payments from a Citadel Federal Credit Union checking account. If the checking account is closed or the auto transfer is cancelled the borrower will be charged .25% higher as documented in Promissory Note and Autopay discount addendum.