This Offer Has Expired

We’re sorry, but our $400 HELOC offer has expired. Please call (800) 666-0191 with any questions.

This offer has expired

How will a Home Equity Line of Credit make a difference in your life?

  • Make home improvements
  • Pay off college tuition
  • Go on a family vacation
  • Consolidate credit card debt
  • Purchase a new vehicle
  • Make other big-ticket purchases

Have excess debt? With flexible, low interest-only payment options and some of the lowest rates available, now is the best time to consolidate your debt into a Home Equity Line of Credit from Citadel. Plus, valued customers like you can also take advantage of all this:

  • QUICK closing turnaround times
  • NO upfront closing costs*
  • LOAN-TO-VALUE up to 90%
  • EASY access to funds whenever you need it
  • FLEXIBLE interest-only payment options

So Many Great Reasons to Get a HELOC with Citadel

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

Now is the best time to take advantage of these low rates. Don’t miss out!

Apply Today

Hear From Our Customers

*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 Information accurate as of and may be withdrawn or subject to change without notice.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 $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. Adequate homeowners 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 5.25%. Variable APR ranges from Prime - 0.51% (for lines $100,000 and above) to Prime + 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 18.00%. Maximum LTV = 90% with excellent credit. No upfront closing costs. If line is closed within three years after opening, there is a $250 early termination fee.


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