A Home Equity Line of Credit can be a smart, low-interest option to access the money you need to meet your goals today and prepare for life's emergencies tomorrow. In addition to a special introductory rate as low as 2.49%* APR and a variable rate as low as 3.99%* APR after 6 months, you can take advantage of the following:
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.
Still have questions? Talk to us and let one of our experienced real estate advisors help you choose the best option to meet your needs.
Low Payments
Flexibility
Fast Approval
Peace of Mind
“Citadel is amazing! Thank you so much to Citadel’s Mortgage Team! I recently tried to get a HELOC with another bank and they didn’t communicate, denied me without any notice for equity, and gave me a low estimate. I told my husband that we should try Citadel. Going with Citadel was the best decision ever. The communication was on point and the process was a breath of fresh air. Everyone was so pleasant, polite, and professional. I’ve been telling everyone about my great experience!”
“After 20 years of business with another credit union, my Home Equity Line of Credit term ended. When I tried to renew it, I was told 'I could re-apply' and was bombarded with 50 requirements to prove I could be trusted, even though I'd never had a late payment. When I walked into a brand new Citadel that opened near by, the staff (who were total strangers) treated me like an old friend. After a basic credit inquiry, I had my new HELOC, as well as three other new accounts (at better rates)! When I closed my old account, I let my former lender know how warmly I was treated by Citadel! ”
*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 Information accurate as of and may be withdrawn or subject to change without notice.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 3.25%. Variable APR ranges from Prime – 0.26% (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. 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.
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