Ready for your next big project?

Borrow up to 95% of your home’s value with a Home Equity Loan from Citadel.

Home Equity Loan

Access the funds you need with a Citadel Home Equity Loan. Take advantage of a low, fixed-rate loan to get help paying for large purchases, major expenses, home improvement projects, or to consolidate debt. You can borrow up to 95% of your primary home’s appraised value or 80% of your vacation home’s appraised value, minus outstanding mortgages. Apply now!

Our team of home loan experts can help you:

➜ Determine how much you can borrow
➜ Calculate your loan payments
➜ Review the loan requirements
➜ Discuss current home equity rates

Schedule an appointment to speak with a representative today.

Home Equity Rates

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

Apply Now

Ready to speak with a representative about a Citadel Home Equity Loan?

Schedule Appointment

Additional Features

  • Low Closing Costs
  • Fixed Monthly Payment
  • Online & Mobile Banking – Make payments and manage your loan account. Learn more.
  • Tax-Deductible Interest (Consult your tax advisor for details)
Best For...
Those who want a low, fixed-rate loan for a large purchase
Lower closing costs
Flexible terms
Generous loan amounts

Thank you for your Home Equity Loan interest!

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.

How much can I borrow from my home equity?

With interest rates at historical lows, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan, typically a home-equity loan. Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Use this debt consolidation calculator to determine how quickly you could get out of debt and how much interest you might save.

Start Calculator


Current market value of your home($)

$0 $1,000,000

Outstanding mortgage balance($)

$0 $1,000,000

Loan To Value (L.T.V)(0 to 90%)

0% 90%
video connect

Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

connect now

Hear From Our Members

Find an ATM or Branch Near You

Frequently Asked Questions

What is the difference between a home equity loan and a home equity line of credit?
A Home Equity loan lets you borrow amounts based on the amount of equity you have in your home. This type of loan provides a lump sum of money up-front and the loan balance is paid back monthly, with a fixed payment amount and a fixed interest rate. A home equity loan is good for people who have an immediate and specific purpose for the funds, such as home improvements or a big-ticket purchase.

A Home Equity Line of Credit (HELOC) is an open-ended line of credit. A credit limit is set based on the amount of equity you have in your home and can be used whenever you need it. Unlike a home equity loan, once the balance of a HELOC is paid down, the line remains open. Your monthly payment will vary based on your outstanding balance and the variable interest rate. A HELOC is best suited for people who want access to funds in the case of an emergency, have children starting college, or perhaps plan to make a series of purchases or payments over time.
How do I calculate Home Equity loan payments?

To calculate Home Equity Loan payments you will want to follow the below steps:

Select BORROW > Home Loan Center > Borrow Using the Equity in My Home > Home Equity Loan tabs. Scroll down and click the 'Start Calculator' tab to calculate payments.

What are Citadel's current interest rates on Home Equity loans?
To view Citadel's current interest rates for Home Equity Loans visit our Home Equity Loan's page under the 'Rates' table.
How do I decide what is the best home equity loan for me?
To decide which Home Equity Loan is best for you, contact one of Citadel's Mortgage Loan Experts.
What are Citadel's current rates on Home Equity Loans?
To view Citadel's current rates on Home Equity Loans you will want to visit our Home Equity Loan page under the 'Rates' tab.
What are Citadel's Home Equity Loans requirements?
Citadel's Home Equity Loan requirements are that you must live, work, worship or study in our charter area, must be for primary & secondary homes, must have enough equity in the home to qualify for a Home Equity Loan.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

Citadel is an Equal Housing Lender.

Fixed Home Equity Loans

Rate expressed as Annual Percentage Rate (APR), and is subject to change without notice. Offer can be withdrawn at any time. APR shown is for second lien position loans up to 80% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Loans above $500,000 will require borrower to purchase title insurance. Various APRs and terms are available up to 95% LTV with excellent credit. Lender fees will apply. Home equity third party fees ($415-$1,000). Offer is subject to credit approval, income verification and appraisal. Existing mortgage loans must be current and have no late payments in the last 12 consecutive months. 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. Property cannot be a co-op or mobile home. Other restrictions may apply. *Rate as of .