Embrace Your Happy Place With a HELOC

Intro rates as low as 3.99% APR* and variable rates as low as 8.50% APR* after 6 months.

Home Equity Line of Credit

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

Already have a mortgage with a great rate on a home that could use some remodeling? A Home Equity Line of Credit (HELOC) can help cover the costs. With a HELOC you'll gain access to an open-ended line of credit with a limit based on the amount of equity you currently have in your home. That credit can be used to help finance your next renovation project, so you can make your home your own.

Apply for your Citadel HELOC today.

Common Uses of HELOCs

Home Renovation     debt consolidation     Booking a vacation  Supplementing tuition costs

Home Equity Line of Credit Rate

Interest-Only HELOC
6 Month Intro Term

Apply for a Citadel HELOC today!

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Woman sitting in a bathtub in a bathroom being renovated

HELOCs vs. Home Equity Loans

Which type of loan is right for you? Read more about the differences between a Home Equity Line of Credit and a Home Equity Loan in this blog post to understand which one might provide the most value for a home renovation. If you love your current house but need to make some upgrades, a HELOC can help cover the costs.

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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 Information accurate as of and may be withdrawn or subject to change without notice.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 $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; and 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 is 8.50%. 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.