Turn Your Home's Equity Into Cash!

Accessing cash from your home’s equity is a smart way to get the funds you need to meet your goals. Pre-qualify today for Home Equity Line of Credit introductory rates as low as 2.49%APR*, and a variable rate after 6 Months as low as 4.99%APR*.

Citadel Home Equity Loan

Are you ready for your next big project or looking to borrow against your home’s equity? Our home loan experts are standing by and available to walk you through the process every step of the way. Learn more about all the options Citadel offers today!

Complete the form below to have an expert review your Home Equity Loan options.

Please Note: Since Citadel is a credit union, you can open an account with us if you live, work, worship, or study in the following Pennsylvania counties: Bucks, Chester, Delaware, Lancaster*, Montgomery or Philadelphia. You can also become a Citadel customer if a member of your family or household is eligible to be a customer, no matter where you live. *People who do any of the following in the City of Lancaster: work, worship, perform volunteer services, participate in programs to alleviate poverty or participate in associations headquartered in the city. Citadel Home Equity loans are available in PA, NJ, MD and DE.

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*Agreements and Disclosures

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*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 Information accurate as of and may be withdrawn or subject to change without notice.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.