Fraudsters are targeting Citadel members and other individuals in our area. Stay alert for these red flags and warning signs.
Branch Hours
Log In
Refinance Options
If you’re looking to lower your interest rate, reduce your monthly payments, or even pay off your loan faster, refinancing your mortgage could be a smart solution. Discover the ways that refinancing could work for you, and we’ll help you find the perfect mortgage option—and assist you every step of the way.
At Citadel Credit Union, we understand that you want to be more than a loan number. We'll work with you to understand your needs and structure your refinance in a way that benefits you most. To get started, contact one of our home loan experts today.
Whether your goal is to save on interest or shorten your term, we offer Mortgage Refinance options built to meet your needs.
Not sure where to start? We can help. Contact our home loan experts or schedule an appointment to explore your options.
Explore Traditional Refinance options with long terms (up to 30 years) and low payment options.
Save thousands over the life of your loan by shortening your mortgage term (10 & 15 years) and enjoy low rates.
Pay less upfront with our lowest closing cost option. Choose from 10-, 15-, and 25-year terms.
Most people refinance their mortgage for several reasons:
Refinancing your mortgage can have several benefits:
*Offers are subject to credit approval. REG = Regular Rate. APR = Annual Percentage Rate. Read Full Disclosures.
Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.
On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:
✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert
“We had a car loan with Citadel, and after attempting to refinance with our current mortgage company, we decided to try Citadel. I'm so glad we did. The whole process couldn't have been easier from the initial application process to the final document preparation. The portal made everything very simple to view and upload, and I was kept informed of the status every step of the way from application through disbursement. I will definitely be sharing my positive experience with anyone who will listen!”
Take the stress out of the mortgage loan process with exclusive title and settlement services from Citadel. Citadel has partnered with Entrust Services Group, LLC to offer title and loan closing services for both lenders and borrowers. Enjoy complete support through the entire title process, from application to closing.
Entrust Services Group offers industry expertise and convenient services to help you streamline the loan process from start to finish.
Please fill out the request form below to learn more about Entrust Services Group or email us at title@enstrust.com for a free comparative rate quote and an estimate of closing costs.
Rates can change daily.
To dispute an error with your Mortgage account or statement, please complete the Mortgage Error Resolution form. Once you complete the form please mail back to us at:
Citadel Credit Union
Attention: Mortgage Servicing
1209 West Chester Pike, Suite 201
West Chester, PA 19382
You may also scan the form and email it to: MtgErrorandInfo@CitadelBanking.com.
Still have questions? Visit our help center.
Citadel is an Equal Housing Lender.
Easy Refinance Program
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 first-lien position loans up to 90% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loans above $500,000 will require borrower to purchase title insurance. Loans above $400,000 will require an appraisal. Fees from current mortgage lender may apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification and market value assessment. 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. Properties currently listed for sale are not eligible for this promotion. Property cannot be a co-op or mobile home. Minimum $50,000 in non-Citadel mortgage balances. Not available for purchasing new property. *Rate as of .
Traditional Refinance
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 first-lien position loans up to 95% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. Loans will require borrower to purchase title insurance and appraisal. Lender fees will apply. LTVs above 80% must escrow taxes. LTVs below 80% may escrow taxes at request of homeowner. 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. Properties currently listed for sale are not eligible. Property cannot be a co-op or mobile home. Other restrictions apply on cash-out mortgage loans. *Rate as of .
Condensed Refinance
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 first-lien position loans up to 80% Loan-To-Value (LTV) on single-family owner-occupied properties in PA, NJ, MD, and DE. Various APRs and terms are available. There is no title insurance policy regardless of loan amount, however, loan amounts over $400,000 will require an appraisal. Lender fees will apply. Other restrictions may apply. LTVs below 80% may escrow taxes at request of homeowner. Offer is subject to credit approval, income verification, title search, 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. *Rate as of .
