If you’re planning home repairs, consolidating debt or paying tuition, put your home to work for you. Our Home Equity loans feature:
Fixed and Variable rate options.
Tax deductible interest (consult your tax advisor).
Flexible Payment options.
Choose from the following options to select the lending option that’s right for you:
Fixed Rate Home Equity Loan*
Enjoy a rate that is locked in for the duration of the loan. Citadel will lend up to 90% of the appraised value of your home, minus any outstanding mortgages.
Terms of 5-20 years
Variety of rates depending upon the length of the loan and available equity
Loans starting from $10,000
Adjustable Rate Home Equity Lines of Credit*
Experience the convenience of a revolving line of credit to meet your borrowing needs today and tomorrow.
Terms up to 25 years, with a 10 year draw period
Variable rate, adjusted monthly
Accessed in person, 24/7 on PC Banking and Bank By Phone and you can utilize your checking account checks to make advances by transferring funds online from your loan to your checking account
Credit line set up to 90% of your currently appraised property value, less any outstanding mortgages depending on credit
Loans starting from $10,000
1% of balance payment
Click here to view a complete listing of rates and terms.
Contact Us to speak with a Home Equity Specialist about possible related fees.
To calculate payment amounts, click here to access our calculator.
