The Convenience of Revolving Credit
Personal Line of Credit
Enjoy convenient access to the funds you need. Borrow up to $20,000 with a personal line of credit.
Enjoy a low variable APR.
Borrow up to $20,000.
Use your line of credit as overdraft protection for your checking account.
- 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.
Personal Line of Credit Rate
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.
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*Agreements and Disclosures
Information accurate as of and is subject to change without notice. See products pages for additional information. APR=Annual Percentage Rate. APY=Annual Percentage Yield.
Personal Line of Credit rate is based on a Prime Rate plus 5.49% to 12.99% depending on credit worthiness. The Prime Rate used to determine the interest rate is the rate published in the North East edition of the Wall Street Journal on the 25th of each of each month. The rate changes are effective the 1st of the following month.
Important Information about Overdrafts and Overdraft Fees: An overdraft occurs when you do not have enough money in your checking account to cover a transaction, but we pay it anyway. Citadel offers several options for you to avoid the potential embarrassment and extra expenses caused by a bounced check or insufficient funds. These include:
- Transferring funds from a Citadel Savings and/or Money Market Account
- Advancing funds from a Citadel Personal Line of Credit
- Courtesy Pay
As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. To learn more, please ask a Citadel Representative.