Build Your Dream with a Low-Rate HELOC

Congratulations, you’re pre-qualified* for Citadel’s Home Equity Line of Credit.

You’ve Been Pre-Qualified!

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

Congratulations! You’ve been pre-qualified for Citadel’s Home Equity Line of Credit (HELOC). As a valued member of Citadel Credit Union, you’re eligible for an introductory rate as low as 2.49% APR,** and after 6 months a variable rate as low as prime, currently 4.00% APR.**Apply for your desired amount now!

How will you use your new Home Equity Line of Credit?

  • Consolidate higher rate debt: With flexible, competitive interest-only payments, consolidating higher interest debt with a Home Equity Line of Credit might make sense for you.
  • Make home improvements: A Home Equity Line of Credit can be a flexible solution to finance a home renovation and make your space your own. 
  • Finance a large purchase: If you are looking to responsibly finance a large purchase, a Home Equity Line of Credit can help.

Take advantage of:

✔ No annual fee
✔ Quick closing turnaround times
✔ Low upfront closing costs
✔ Loan-to value up to 90%
✔ Easy access to funds when needed
✔ Flexible interest-only payments

This offer expires June 27, 2022. Apply for your Home Equity Line of Credit today or talk to a member of our team to learn more.

Home Equity Line of Credit Rate

AS LOW AS
2.49%INTRO
4.00%APR
Interest-Only HELOC
6 Month Intro Term
variable

Many Reasons to Get a HELOC with Citadel

  • paymentLow Payments
  • flexibilityFlexibility
  • clipboard check, featureFast Approval
  • peace of mindPeace of Mind

Now is the best time to take advantage of these low rates. Get started today!

Apply Now

Hear From Our Members

*Agreements and Disclosures

View *Agreements and Disclosures

Citadel is an Equal Housing Lender.

*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. Offer expires June 27, 2022.

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 Information accurate as of and may be withdrawn or subject to change without notice.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 = 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 4.00%. 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.