Introductory Rate as Low as 2.49%APR*, Variable Rate after 6 Months as Low as 4.50%APR*

Turn your home’s equity into cash with these low rates!

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

Interest Rates Certified by Datatrac

You deserve privileges that make a difference - like an introductory rate as low as 2.49%* APR and a variable rate as low as 4.50%* APR after 6 months on a Citadel Home Equity Line of Credit.

In addition to a low introductory rate, valued customers can take advantage of the following:

  • QUICK Closing Turnaround Times
  • Citadel HELOC rates are consistently lower the Philadelphia Metro average1
  • LOW Interest-Only Payment Option
  • NO Upfront Closing Costs
  • Loan-to-Value Up to 90%
  • No Transfer Fees from Lines to Checking Accounts or Vice Versa

It's your home equity. Use it however you like.

Get a revolving home equity line of credit of up to 90% of your primary home's appraised value or 80% of your vacation home's appraised value minus outstanding mortgages ($5,000 minimum). Control your monthly payment with flexible loan terms of up to 25 years with a 10-year draw period or take advantage of our low-payment interest-only option.

Apply for a Home Equity Line of Credit!

Apply Now

So Many Great Reasons to Get a HELOC with Citadel

  • paymentLow Payments
  • flexibilityFlexibility
  • approvalFast Approval
  • peace of mindPeace of Mind

*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 Information accurate as of and may be withdrawn or subject to change without notice.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 $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 4.50%. APR equals Prime, Prime + .49% – 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. $250 home equity line of credit early termination fee if account is closed within 36 months.

Home Equity Loan Terms and Fees: Home equity third party fees ($415-$1000). Maximum LTV = 95% with excellent credit.

1About Datatrac: Datatrac’s comprehensive, unbiased research and analysis is updated each business day and is conducted independent of any financial institution. There is no guarantee that you will receive the rates and terms displayed herein. Actual rates and terms are in the full discretion of the financial institution and are subject to your credit rating and other factors. Please contact us directly with any questions regarding our current rates and terms.

Datatrac is an independent, unbiased research firm that has monitored deposit and loan rates, fees, and product features for over 25 years on more than 100,000 financial institution locations in North America.