The Convenience of Revolving Credit

Citadel offers a personal line of credit that lets you borrow up to $20,000 and gives you the convenience of a revolving line of credit.

Personal Line of Credit

Enjoy convenient access to the funds you need. Borrow up to $20,000 with a personal line of credit. Schedule an appointment to speak with a representative today!

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

Personal Line of Credit Rate

Personal Line of Credit
variable rate

Additional Features

  • Revolving Line of Credit – Enjoy the convenience of a revolving line of credit.
  • Online & Mobile Banking – Make payments and manage your loan account. Learn More.
Best For...
Those looking for a revolving line of credit

Ready to speak with a representative about a Personal Line of Credit?

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Hear From Our Members

Loan Payment Calculator

The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.

Start Calculator

Loan Information

Loan Amount($)

$0 $1,000,000

Annual Intrest Rate(%)

0% 40%

Term of loan (months)

Payment Schedule

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Chat Face-to-Face With Citadel Video Connect

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

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Find an ATM or Branch Near You

*Information accurate as of and is subject to change without notice. Applicant must be at least 18 years of age. All Offers subject to credit approval, actual APR based on credit worthiness. Additional terms and conditions may apply, depending on the type of collateral and other terms offered or chosen. Incomplete and/or inaccurate application information may result in automatic denial of credit. If we have received a credit application from you in the last 90 days we may consider this application to be a duplicate. This product has a Variable APR (Annual Percentage Rate), which can vary with the market based on the Prime Rate. We use the most recent Index value as of the 25th day of the month preceding any APR adjustment, the APR is subject to change on the 26th day after the Index value changes. Standard rates range from 13.99% - 17.99% APR. Interest will begin to accrue as of the transaction date, minimum advance is $100. Late fee is up to 5% of minimum payment required. Returned Payment Fee is up to $20.00.

**$5.00 overdraft transfer from your savings or loan account.

Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.

If you are not currently a customer, Citadel will open a savings account in your name upon approval and fund it with a $5.00 initial deposit. This savings account will give you access to a variety of Citadel's products and services.