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 Information accurate as of and may be withdrawn or subject to change without notice.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.