Bogged Down by High Interest Debt?

Your home's value may be higher than ever; now’s the time to benefit from it! A Home Equity Line of Credit (HELOC) is a great tool to help pay down high-interest debt so you can enjoy some breathing room.

And the best part is, you're pre-qualified¹ for a 6-month introductory rate as low as 3.99% APR and a variable rate as low as 6.75% APR!²

With a Citadel HELOC, you'll enjoy:

• Flexible interest-only payment options
• Seamless transfer of funds to your account in Online & Mobile Banking
• Ability to borrow up to 90% of your home’s value²

This offer expires July 31, 2026. Apply for your Home Equity Line of Credit today.

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

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 July 31, 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 Information accurate as of and may be withdrawn or subject to change without notice.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. 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 = 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 04/27/2025 is 6.75%. 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%. 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.