Build Financial Strength With Your Home's Equity

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

You’ve Been Pre-Qualified!

Congratulations! You’ve been pre-qualified for Citadel’s Home Equity Line of Credit. 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 7.50% APR.

Citadel offers an interest-only HELOC, which is calculated by multiplying your monthly outstanding balance by your monthly interest rate. Your only responsibility is to make the interest payments unless you choose to pay both interest and principal, which gives you more flexibility from month to month.

Apply for your desired amount now!

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

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 the perfect opportunity to finance a home renovation and build the value of your home.
  • Finance a large purchase: If you are looking to responsibly finance a large purchase, a Home Equity Line of Credit can help.

Plus, enjoy:

✔ 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
✔ Tax-deductible interest
✔ 20-year repayment period

This offer expires February 20, 2023. 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

Interest-Only HELOC
6 Month Intro Term

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. 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. Offer Expires February 20, 2023

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 = 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 7.50%. 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.