Loans & Lines of Credit

Citadel’s range of lending products makes it easy to access the money you need, when you need it.

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As a Citadel member, you'll enjoy low rates on all of our loan products. Business or personal, one-time or ongoing—Citadel is here to support all your financing needs. Whether you're looking for the best auto loan rates, low interest personal loans or our current mortgage rates, we're here to help!

Credit Cards +

In need of a credit card that better fits your lifestyle? Citadel has the options you’re looking for. Compare the many features of our credit cards to find the one that offers you the convenience, rewards, and low rates that meet your everyday needs. Plus, when you open a new card with us, you can easily transfer balances from your previous card for no fee.

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Mortgages & Home Loans +

Finding the perfect home is hard but financing with a mortgage from Citadel is easy. Compare our low rates and flexible terms to see which option is right for you. Already a homeowner? Citadel also has refinancing and home equity loan options built to fit your specific needs. We can help you at any stage in your home ownership journey.

Explore Home Loans

Personal Loans +

A personal loan is personal, so you should decide how to use it. Citadel offers low interest rates, overdraft protection and more on personal loans and lines of credit and we never ask how you intend to use the funds you receive. Compare the benefits, rates, and features of each to see which is right for you.

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Payment Protection +

Prepare for the unexpected and safeguard your finances with Citadel’s Member’s Choice™ Borrower Security program. This payment protection benefit is a voluntary loan option that covers your payment or balance in the event of death, disability, or involuntary unemployment. Make sure you and your family are prepared for life’s sudden and unexpected disasters with payment protection.

Get Protected

Auto Loans +

In need of some new wheels? Citadel offers some of the lowest rates on auto loans in the Greater Philadelphia area. We’ll get you on the road with everything from great rates and multiple loan options to research tools and new or used dealer inventories near you. Compare rates and get pre-approved today.

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Auto Refinance +

Don’t let your vehicle’s monthly payment destroy your budget. Citadel also offers auto refinance options with some of the most competitive rates in the Greater Philadelphia area. Plus, when you refinance with Citadel, you’ll have more flexibility with your payment options. Schedule an appointment today and we’ll help put you in gear.

Start Refinancing

Student Loans +

Looking to further your education? In need of some extra financial assistance? Citadel has partnered with Sallie Mae to offer both the Smart Option Student Loan® and the Sallie Mae Parent Loan for families to finance college expenses not covered by scholarships and federal loans. We’re here to help you get your degree with financing options that work for you.

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Hear From Our Customers

Customers for Over 10 Years

“We have been Citadel customers for over 10 years. They've always been there to help us with our lending needs when other banks would not approve us. The auto loan department is also fantastic. Citadel’s follow up and attention to detail is amazing. Every representative I spoke to was friendly, courteous, and always had an answer for me. I constantly recommend Citadel to my friends. I wish every bank and lending organization followed their model and cared about their customers the way they do. ”

Marc M.

Memorable Service

“I joined in 1969 when Citadel was Lukens Federal Credit Union. After being a member for a few years, I remember calling them for a car loan when I was buying a new car. Within hours, they had a check for me, and I was able to pick up my car after work. I'll always remember that kind of service and personal attention. I have stuck with Citadel ever since.”

Ken O.

Citadel Auto Loans

Thorough Explanation

“I received very thorough information from Sy in the Call Center regarding my auto loan and other products offered through Citadel. I appreciated him taking the time to explain everything in detail.”

Rondabay M.

Borrow with Citadel

Happy HELOC Customer

“After 20 years of business with another credit union, my Home Equity Line of Credit term ended. When I tried to renew it, I was told 'I could re-apply' and was bombarded with 50 requirements to prove I could be trusted, even though I'd never had a late payment. When I walked into a brand new Citadel that opened near by, the staff (who were total strangers) treated me like an old friend. After a basic credit inquiry, I had my new HELOC, as well as three other new accounts (at better rates)! When I closed my old account, I let my former lender know how warmly I was treated by Citadel! ”

Phil R.

Switch to Citadel

Switched to Citadel

“I switched to Citadel when I was in search of a loan to switch my home mortgage company. Citadel was the only one to accommodate me. They saved me money, which was great! After my wonderful experience with the mortgage process, I switched all my accounts over to Citadel. They have been super to me in all aspects of transactions and I am very pleased when I enter the bank, I feel like it's family.”

Maria C.