Intro Rates as Low as 3.99% APR²

Congratulations! You've been pre-qualified for Citadel's Home Equity Line of Credit (HELOC). You can use a HELOC to consolidate other debts or pay for large purchases like vacations, medical bills, education costs, wedding expenses, or remodeling your home. You'll make interest-only payments upfront (unless you choose to pay both interest and principal), which means more flexibility in your budget from month to month. Plus, you're eligible for an introductory rate as low a 3.99% APR,² and a variable rate as low as 6.75% APR² after 6 months.

This offer expires March 8, 2026. Apply for your Home Equity Line of Credit today.

Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

Common Uses of HELOCs

¹ Pre-Qualified: Information contained in your credit report was used in connection with this offer. You received this offer because you satisfied our pre-established criteria for creditworthiness used to select individuals for this offer and based on an initial determination that you met Citadel Credit Union’s credit standards. You must continue to satisfy the creditworthiness criteria used to select you for this offer, meet our standard credit terms and policies, and have verifiable income. Citadel reserves the right to approve or decline individual credit applications on the basis of its standard credit terms and policies. This pre-qualified offer expires March 8, 2026.

² 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 Information accurate as of and may be withdrawn or subject to change without notice.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. On loans over $400,000, borrower will be required to reimburse lender for the cost of the appraisal and to obtain title insurance. All accounts, loans, and services are subject to approval and membership eligibility requirements. Loan approval is subject to income verification. 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 =3.99% for line amount of $100,000 or more; 4.49% for $50,000-$99,999; 4.99% for 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 10/15/25 is 6.75%. Variable APR ranges from Prime (for lines $100,000 and above) to Prime + 3.24%, 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%. 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.