Enjoy No Balance Transfer Fees & Low Rates

Take advantage of no Balance Transfer Fee and low interest rates. Does a Citadel credit card or Personal Loan make sense for you?

Transfer your balance today with no Balance Transfer Fees!

Transferring a balance to your Citadel credit card is easy. Plus, pay no Balance Transfer Fees!*

Do you currently have a Citadel credit card? Here are three easy ways to transfer your balances from high rate credit cards to a low rate Citadel Mastercard:

  1. Call us at (800) 666-0191.
  2. Log in to Citadel Online Banking. Select ‘Manage Cards’ from the drop-down menu > ‘Balance Transfer Form’. From here, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.
  3. Visit one of our branches and fill out a form.

What you'll need before submitting your Balance Transfer request:

✔ Be sure to list your most important transfer first on the form.
✔ It is best to submit your balance transfer request two weeks prior to your creditor’s payment due date.
✔ If you do submit within two weeks of your payment due date, please make your minimum payment to the creditor to avoid any late payment penalties.

Transfer your balance today!

Get Started

A Citadel Personal Loan can help you reach your project or debt consolidation goals:

  • Get a fixed rate as low as 6.99% APR**
  • Enjoy flexible repayment options
  • Borrow up to $20,000
  • Pay one low monthly payment
  • Use for your personal financial needs, including debt consolidation, home renovations, large purchases, unexpected expenses, and much more

Apply for a Citadel Personal Loan today!

Consolidate higher rate payments for big savings.

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Balance Transfer Frequently Asked Questions

Are there any fees tied to Balance Transfers?

No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.

What are the benefits of doing a Balance Transfer?

Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.

How do I do a Balance Transfer to my Citadel Mastercard?

Transferring balances to your Citadel Mastercard is simple! Log into Online and Mobile Banking > Click ‘Manage Cards’ from the drop-down menu > Select ‘Balance Transfer Form’. From here, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.

Will I have to pay interest on my Balance Transfer?

Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

All Mastercard Accounts

*Information accurate as of . There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder terms and agreement. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.

Personal Loans

**Information accurate as of and is subject to change without notice. You must be at least 21 years of age to qualify. Incomplete 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. Loan amount and APR are based on credit worthiness. If approved for a loan, minimum loan is $500. Your APR will be between 6.99% and 17.99%. This offer may not be used to pay off or pay down any other Citadel loan.

APR = Annual Percentage Rate. Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.

All offers are subject to credit approval