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Get started on a HELOC! It's easy to apply.

Apply now or talk to an advisor and explore your options.

HELOC Intro Rate as Low as 2.49%APR*, Variable Rate after 6 Months as Low as 4.75%APR*

Turn your home's equity into cash and enjoy an intro rate as low as 2.49%* APR for six months and a variable rate as low as 5.00%* APR after that. Securing your Home Equity Line of Credit with Citadel is easy. In addition to a low introductory rate, valued customers can take advantage of the following benefits:

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

Not sure which HELOC option is for you?

Talk to us

Let one of our experienced real estate advisors help you choose the best HELOC option to reach your goals.

Are you ready to apply?

In order to expedite the process, please have all of your information readily available at the time of application.

Apply Now

Get your HELOC immediately and see how a home equity line of credit can make a difference in your life.

Get started on your pre-approved Home Equity Line of Credit!

Apply Today

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 Information accurate as of and may be withdrawn or subject to change without notice.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, and 3.49% for less than $49,999. Information accurate as of and is subject to change without notice. Call (800) 666-0191 for current information. 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 5.00%. Variable APR equals Prime to Prime + 3.99% depending on credit, your final loan amount, loan term, loan-to-value, and actual finance charges. Loan-to-value (LTV) is determined by dividing all outstanding loan balances by the appraised value of the property. Maximum LTV = 90% with excellent credit. Current home equity line of credit APR floor is 3.99%. **There are no upfront closing costs for lines less than $250,000. Loans available on primary homes in PA, NJ, MD, and DE. Consult your tax advisor about deductibility. Adequate homeowners insurance coverage is required. If line is closed within three years after opening, there is a $250 line termination fee. Citadel is an equal opportunity lender.


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