Turn your home’s equity into cash.

Take advantage of Citadel’s home equity loan rates and products to access money when you need it.

Borrow Using the Equity in My Home

As a valued Citadel member, we make it easy to get the cash you need. Home equity loans allow you to borrow against the equity in your home. Essentially, your home’s equity is its market value minus your mortgage balance. From making home improvements to consolidating credit cards, a home equity loan can help.

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*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.

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Interested in accessing your home equity?

Complete the form below to have an expert review your Home Equity Loan options.

Please Note: Since Citadel is a credit union, you can open an account with us if you live, work, worship, or study in the following Pennsylvania counties: Bucks, Chester, Delaware, Lancaster*, Montgomery or Philadelphia. You can also become a Citadel customer if a member of your family or household is eligible to be a customer, no matter where you live. *People who do any of the following in the City of Lancaster: work, worship, perform volunteer services, participate in programs to alleviate poverty or participate in associations headquartered in the city. Citadel Home Equity loans are available in PA, NJ, MD and DE.

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Citadel is an Equal Housing Lender. 

Fixed Home Equity Loans

Rates and APRs are based on a fixed rate established at the time of loan closing. The rate is based on your credit qualifications, loan to value, and lien position. You can also qualify for a .25% rate discount when you schedule automatic payments from a Citadel Federal Credit Union checking account. If the checking account is closed or the auto transfer is cancelled the borrower will be charged .25% higher as documented in Promissory Note and Autopay discount addendum. *Rate as of .

Home Equity Line of Credit

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 Information accurate as of and may be withdrawn or subject to change without notice.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. Borrower will be required to reimburse lender for cost of full appraisal for loans over $400,000. Loans over $500,000 also 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. Property insurance is required. If the collateral is determined to be in an area that has special flood areas, flood insurance will be required as well

Home Equity Line of Credit Terms and Fees: Rates and APRs are based on a fixed rate established at the time of loan closing. The rate is based on your credit qualifications, loan to value, and lien position. You can also qualify for a .25% rate discount when you schedule automatic payments from a Citadel Federal Credit Union checking account. If the checking account is closed or the auto transfer is cancelled the borrower will be charged .25% higher as documented in Promissory Note and Autopay discount addendum.

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