COVID-19: All Branch Lobbies Are Closed, Drive-Up Access is Open
As of November 25, our branch lobbies are closed at all locations due to recent spikes in COVID-19. Our drive-up access remains open. For more information, visit CitadelBanking.com/COVID19.
Find the New Home (and Rates) You Love
Fixed Rates for Mortgages
Enjoy low, fixed interest rates and fixed monthly payments on our fixed rate mortgage when borrowing with Citadel. Contact a Mortgage Loan Expert today, and we’ll walk you through the lending process and help you decide which fixed rate mortgage is best for you based on your needs.
Low, Fixed Rates
Your interest rate (and principal & interest payment) won’t change for the life of the loan.
Current Rates
Flexible Terms
You can lower your payments by spreading them out over a longer period of time. Choose the term that works with your budget.
Estimate Your Monthly Payment
Save on Closing Costs
On average, home buyers and sellers earn $1,650 when using an agent through Citadel’s HomeAdvantage Network.
Learn More
Featured Mortgage Rates
AS LOW AS
2.750%REG
2.801%APR
10 Year Purchase Rate
10 Years
fixed rate
0 points
AS LOW AS
2.750%REG
2.784%APR
15 Year Purchase Rate
15 Years
fixed rate
0 points
AS LOW AS
3.000%REG
3.017%APR
30 Year Purchase Rate
30 Years
fixed rate
0 Points
AS LOW AS
3.374%REG
3.374%APR
10 Year Easy Refinance Rate
10 Year
fixed rate
0 Points
AS LOW AS
3.374%REG
3.374%APR
15 Year Easy Refinance Rate
15 Year
fixed rate
0 Points
AS LOW AS
3.990%REG
3.990%APR
25 Year Easy Refinance Rate
25 Year
fixed rate
0 Points
AS LOW AS
2.625%REG
2.642%APR
5/1 Year ARM
5 Year ARM
variable rate
0 points
AS LOW AS
2.625%REG
2.642%APR
7/1 Year ARM
7 Year ARM
variable rate
0 points
AS LOW AS
3.125%REG
3.142%APR
10/1 Year ARM
10 Year ARM
variable rate
0 points
Additional Features
- Free pre-approval – Get your financing approved before you buy, so you know exactly how much you can spend. Get pre-qualified.
- Free prepayment – We do not charge penalties if you want to pay off your mortgage early.
- Servicing by Citadel – Citadel will always be your mortgage servicer. You’ll make payments to Citadel, and we’ll be your point of contact for any questions you may have.
- Regional availability – Citadel mortgages are available in Pennsylvania, Delaware, Maryland, and New Jersey.
- Title insurance – Citadel can help you obtain title insurance and other title-related services. Learn more.
- Online & Mobile Banking – Make payments and manage your loan account. Learn More.
To learn more about Citadel's fixed rate mortgage product and our fixed interest rates contact us today!
Apply for a fixed rate mortgage today!
Get Started
Get in Contact with a Mortgage Loan Originator
Matt Kuehn
Mortgage Loan Originator - NMLS#1312273
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
Get in Touch
Lisa J. Nelson
Mortgage Loan Originator - NMLS #616730
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
Get in Touch
John A. Alberici
Mortgage Loan Originator- NMLS#28194
Serving Bucks, Chester, Delaware, Lancaster, Montgomery & Philadelphia Counties
Get in Touch
Frequently Asked Questions
How often do mortgage rates change?
Rates can change daily.
What is a fixed rate mortgage?
A fixed rate mortgage is a type of mortgage where the interest rate remains the same through the term of the loan.
What are Citadel's daily mortgage rates?
To view Citadel's daily mortgage rates, you will want to go to our Great Rates, Low Fees page and select "Mortgages & Home Equity" from the drop-down.
What is Citadel's current 15 year mortgage rate?
To view Citadel's current fixed 15 year mortgage rate visit the Fixed Rate Mortgage page under the 'Rates' tab or Citadel's Great Rates, Low Fees page and select and select "Mortgages & Home Equity" from the drop-down.
What are fixed interest rates?
A fixed interest rate is when the rate does not fluctuate during the fixed rate period of the loan.
What are interest rates?
An interest rate is the percent of principal charged by a lender to borrow the use of assets.
Does Citadel offer a fixed 30 year mortgage rate?
Yes, Citadel does offer a fixed 30 year mortgage rate that is competitive in today's market.
Still have questions? Visit our help center.
*Agreements and Disclosures
View *Agreements and Disclosures
Fixed Rate Mortgage Terms
- All interest rates, annual percentage rates (APRs), points and any other applicable fees shown are accurate as of and are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.
- INTEREST RATES, ANNUAL PERCENTAGE RATES (APR) AND POINTS SHOWN ARE SUBJECT TO CHANGE BASED ON CREDIT QUALIFICATIONS AND FINAL APPROVAL. OTHER CONDITIONS AND RESTRICTIONS MAY APPLY.
- The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required.
- Your APR will vary based on your final loan amount and finance charges.
Adjustable Rate Mortgage Terms
- All interest rates, annual percentage rates (APRs), points and any other applicable fees shown are accurate as of and are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.
- INTEREST RATES, ANNUAL PERCENTAGE RATES (APR) AND POINTS SHOWN ARE SUBJECT TO CHANGE BASED ON CREDIT QUALIFICATIONS AND FINAL APPROVAL. OTHER CONDITIONS AND RESTRICTIONS MAY APPLY.
- The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required.
- Your APR will vary based on your final loan amount and finance charges.
