Introductory Rate as Low as 2.49%APR*, Variable Rate after 6 Months as Low as 5.00%APR*

Get started on a Home Equity Line of Credit! Apply now or talk to one of our experienced advisors.

Minimize Your Payments & Maximize Your Dreams With a HELOC

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 5.00%* APR after 6 months, you can take advantage of the following:

  • QUICK closing turnaround times
  • LOW Interest-Only Payment Options
  • NO upfront closing costs**
  • Loan-to-Value Up to 90%
  • Easy access to your HELOC funds

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.

Find out how a Home Equity Line of Credit can help you!

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Enjoy all of the benefits that come with a Citadel HELOC.

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

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 Information accurate as of and may be withdrawn or subject to change without notice.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 $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, 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 5.00%. Variable APR ranges from Prime 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.