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Finance More Than Just Home Projects With a HELOC

Enjoy an introductory HELOC rate as low as 1.99% APR* and a variable rate as low as 7.75% APR* after 6 months.

Home Equity Line of Credit

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

Whether you’re looking to consolidate debt, book a vacation, or remodel your kitchen, a Home Equity Line of Credit has the flexibility to finance any big purchase. A Citadel HELOC gives you access to an open-ended line of credit with a limit that is set based on the amount of equity you have in your home. Plus, you can use any amount of that credit whenever you need it on a recurring basis.

Apply today or speak to one of our home loan experts who are ready help.

Additional Features

  • Easy access to funds – simply move funds into your checking account
  • Low Closing Costs
  • No Annual Fee
  • Revolving Line of Credit – Up to 90% of your primary home’s appraised value or 80% of your vacation home’s appraised value, minus outstanding mortgages ($12,500 minimum).
  • Online & Mobile Banking – Make payments and manage your loan account.
  • Tax-Deductible Interest (Consult your tax advisor for details)
  • Flexibility – You can advance payments from your loan at any time you’d like during the draw period.
  • Generous Limits –  Limits of $12,500 or more based on the equity in your home.
  • Access funds via checks

Home Equity Line of Credit Rate

AS LOW AS
1.99%INTRO
7.75%APR
Interest-Only HELOC
6 Month Intro Term
variable

Apply for a Citadel HELOC today!

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Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

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Interested in accessing your home equity?

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.

*Agreements and Disclosures

View *Agreements and 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 $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 = 1.99% for line amount of $100,000 or more; 2.49% $50,000-$99,999; 2.99% 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 7.75%. 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 18.00%. 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.