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.

Low APR

Enjoy a low variable APR.

product-percentage-icon

Generous Limits

Borrow up to $20,000.

product-calculator-icon

Overdraft Protection

Use your line of credit as overdraft protection for your checking account.

product-lock-icon

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

Personal Line of Credit Rate

AS LOW AS
10.49%APR
Personal Line of Credit
variable 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.

Start Calculator

Loan Information

Loan Amount($)

$0 $1,000,000

Annual Intrest Rate(%)

0% 40%

Term of loan (months)

Payment Schedule

Calculate

Find an ATM or Branch Near You

*Agreements and Disclosures

View *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 the available balance in your account is not sufficient to cover a transaction. 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.