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Home Equity Line of Credit

A Citadel Home Equity Line of Credit is right for you if you want easy access to your home’’s equity. Use what you need, when you need it, on a recurring basis.

  • Introductory APR as low as 1.99%*
  • After 6 months, variable APR as low as 3.99%*
  • Get a revolving line of credit of up to 90% of your primary home’s appraised value or 70% 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

Check Our Rates


Features HELOC
Better Rates (APR)

View Rates

Fixed Low Introductoy Rate

Flexible Terms Up to 25 years
Generous Limits $5,000 and above
Tax-Deductible Interest Checkmark-Black

 

Home Equity Loan

A Citadel Home Equity Loan is right for you if you want a low fixed-rate loan for a large purchase.

  • Borrow up to 95% of your primary home’s appraised value or 70% of your vacation home’s appraised value minus outstanding mortgages ($5,000 minimum)
  • Control your monthly payment with flexible loan terms of 5 to 20 years

Check Our Rates



Features Home Equity Loan
Better Rates (APR)

View Rates

fixed rate

Flexible Terms 5 – 20 years
Generous Limits $5,000 and above
Tax-Deductible Interest Checkmark-Black

Calculators

Run the numbers to see if a Home Equity Loan or Line of Credit is right for your life?

calculatorHome Equity Calculator

Should I consolidate with a home equity loan?
Run the numbers


calculatorReady to Refinance?

Should I refinance my Mortgage?
Run the numbers


calculatorHELOC Calculator

How much can I borrow from my home’s equity?
Run the numbers


*APR=Annual Percentage Rate. 6 Month introductory APR =1.99% for line amount of $100,000 or more, 2.49% $50,000-$99,999, 2.99% less than $49,999. Information accurate as of March 30, 2017 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 March 30, 2017 is 3.75%. APR equals Prime, Prime + .49% – 3.99% depending on credit, your final loan amount, loan term, loan to value and actual finance charges. Maximum LTV = 90% with excellent credit. 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. Current home equity line of credit APR floor is 3.99%. Loans available on primary homes in PA, NJ and DE. Consult your tax advisor about deductibility. Adequate homeowner’s insurance coverage is required. Citadel is an equal opportunity lender.

Home Equity Line of Credit Terms and Fees: Home equity third party fee (varies), Home equity loan/line of credit note modification fee (1% of loan balance), $100 home equity loan/line of credit subordination fee, $250 home equity line of credit early termination fee. 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.

Home Equity Loan Terms and Fees: Home equity third party fee (varies), Home equity loan/line of credit note modification fee (1% of loan balance), $100 home equity loan/line of credit subordination fee. Loan to value (LTV) is determined by dividing all outstanding loan balances by the appraised value of the property. Maximum LTV = 95% with excellent credit.

 

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