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Anything is Within Reach With a HELOC
Intro Rates as Low as 3.99% APR2
No matter your dream, a Home Equity Line of Credit can provide access to the funds you need to achieve your financial goals, and you're already pre-qualified!1 With a HELOC from Citadel, you'll make interest-only payments upfront (unless you choose to pay both interest and principal), which means more flexibility in your budget from month to month. Plus, you're pre-qualified1 for an introductory rate as low as 3.99% APR,2 and after 6 months a variable rate as low as 8.50% APR.2
Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
This offer expires November 2, 2024. Apply for your Home Equity Line of Credit today.
It's easy to apply online!
Apply NowCommon Uses of HELOCs
Why Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
1 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. You must continue to satisfy the creditworthiness criteria used to select you for this offer, meet our standard credit terms and policies, and have verifiable income. Citadel reserves the right to approve or decline individual credit applications on the basis of its standard credit terms and policies. This pre-qualified offer expires November 2, 2024.
2 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 Information accurate as of and may be withdrawn or subject to change without notice.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. Loan approval is subject to income verification. 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 = 4.99% for line amount of $100,000 or more; 5.49% $50,000-$99,999; 5.99% 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 8.00%. 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.
