Home Equity Loans & Lines of Credit

Turn your home’s equity into cash for major purchases or to have funds available as needed. Contact a Citadel representative today to discuss our current rates for Home Equity Loans, learn how to refinance a Home Equity Loan and more!

To learn more about our lines of credit loans contact us today!

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  • Home Equity Loan

    At a Glance:

    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.


    Competitive APR; Generous Loan Amounts; Flexible Terms

    Apply Online
  • Interest-Only Home Equity Line of Credit

    At a Glance:

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


    Interest-Only Payments; 15-Year Repayment Period; Generous Limits

    Apply Online
  • Home Equity Line of Credit

    At a Glance:

    Turn your home’s equity into cash with Citadel’s home equity line of credit. Learn more about using your home to pay for that next big expense.


    Low APR; Generous Limits; Flexible Terms

    Apply Online

Begin Your Journey Today!

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*Home Equity Disclosures

View *Home Equity Disclosures

*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 Information accurate as of and may be withdrawn or subject to change without notice.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 $250,000 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. Adequate homeowner’s insurance coverage is required. Citadel is an equal opportunity lender.

Home Equity Line of Credit Terms and Fees: 6 Month introductory APR =2.49% for line amount of $100,000 or more, 2.99% $50,000-$99,999, 3.49% 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 5.50%. Variable APR ranges from Prime - 0.51% (for lines $100,000 and above) to Prime + 3.99%, 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 3.99%. Maximum APR is 18%. Maximum LTV = 90% with excellent credit. No upfront closing costs. If line is closed within three years after opening, there is a $250 early termination fee.

Home Equity Loan Terms and Fees: Home equity third party fees ($415-$1000). Maximum LTV = 95% with excellent credit.

Frequently Asked Questions

How do I refinance a Home Equity Loan with Citadel?

To refinance a Home Equity loan you will want to follow the below steps:

You may refinance a Home Equity Loan on our website in the BORROW > HOME EQUITY tab, in a branch, or over the phone.

What are Citadel's current rates for Home Equity Loans?

To view Citadel's Home Equity rates, please visit the Home Equity page or the Great Rates, Low Fees page.

What are Home Equity Loans?

A Home Equity Loan is a type of loan where borrowers use the equity in their home as collateral. 


What is a Home Equity Line of Credit?

A HELOC (Home Equity Line of Credit) is a revolving credit where you are borrowing against the available equity in your home and the house is used as collateral for the line of credit. 

Still have questions? Visit our help center.