Citadel Credit UnionChoice MastercardRegistry illustration · issuer artwork unavailable

Choice MastercardCitadel Credit Union · federal credit union, PA · NCUA 2099

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · MastercardNetwork stated on issuer websiteFiled as “Citadel Choice Mastercard®”

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Purchase APR

10.99%–17.99%

variable

Balance transfer

—

Cash advance APR

—

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	10.99%–17.99% variableCITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“10.99%-17.99%”CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Opening conditions	. All APRs are based on credit worthiness. See product pages for additional information. Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. $0 (0% of the Foreign Transaction balance amount in U.S. dollars). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is $35.00. Returned Check Fee is up to $25.00. There is a 5% ( $5 minimum) transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder terms and agreement. Citadel will not process any balance transfer requests that are from any other existing Citadel Loan. All terms, including fees and APRs for new transactions, may be subject to change. See CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“. All APRs are based on credit worthiness. See product pages for additional information. Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. $0 (0% of the Foreign Transaction balance amount in U.S. dollars). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is $35.00. …”CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Opening conditions	If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.”CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Opening conditions	If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.”CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsPurchase · Regular	10.99%-17.99%CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“10.99%-17.99%”CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

3877_Choice_L360_rate-APR26-v3page 1 of 3

Citadel Choice Mastercard ® Agreements & Disclosures

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 4.99% intro APR for the first 9 billing cycles from account opening. After that your APR will be 10.74 – 17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. APR for Balance Transfers and for Cash Advances · 4.99% intro APR for the first 9 billing cycles from account opening. After that your APR will be 10.74 – 17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest · Your due date is 25 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest is charged on cash advances and balance transfers from the date the advance is made. For Credit Card Tips From The Consumer Financial Protection Bureau · To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore Fees Transaction Fees Cash Advance Fee Balance Transfer Fee Foreign Transaction Fee · 5% of amount advanced ( $10.00 minimum) 5% of the amount transferred ( $5.00 minimum) A fee of 1.1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account. * Penalty Fees Late Fee Returned Check Fee · Up to $35.00 $25.00

How We Will Calculate Your Balance: We use a method called the 'Average Daily Balance (including new purchases).'

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. The information about the costs of the card described is accurate as of 4/26. This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191 .

Your APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. We calculate your rate by adding a margin of 10.74% - 17.99% to the Prime Rate. The result is your APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes may result in an increase in the minimum payment or an increase in time it will take to pay off the balance on card. Please refer to your statement for your APR.

*A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, and is considered a foreign transaction, regardless of whether you are located inside or outside the United States at the time of the transaction. To view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/ConsumerGTB

Citadel Choice Mastercard ® Line of Credit Agreement

Agreement between Citadel and the borrower(s):

In this Agreement the words 'you' and 'your' mean each and all of those who agree to be bound by this Agreement; 'Card' means the Mastercard credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; 'Account' means your Mastercard credit card line of credit account with the Credit Union, and 'Credit Union' means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.

to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law.

Using Your Account. The Credit Union will establish a Line of Credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus 'other charges') that you will have outstanding on your Account at any time. Cash advances, including ATM withdrawals and cash-equivalent transactions, are subject to a maximum limit of 40% of your total credit If you are over your credit limit, you must pay the amount you are over before payments begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right

Using the Mastercard Card. You may use your Card to make purchases from merchants and others who accept MASTERCARD Cards. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accept MASTERCARD Cards, and from some automated teller machines (ATMs), such as the MASTERCARD ATM Network, which accept MASTERCARD Cards. (Not all ATMs accept MASTERCARD Cards). To obtain cash advances from an ATM, you must use the Personal Identification Number (PIN) that is issued to you for use with your Card.

Promise to Pay. You promise to pay all charges including purchases, cash advances, balance transfers or any other charges made to your Account by you or anyone you authorize to use your Account. You promise to pay all finance charges and other charges added to your account under the terms of this Agreement or any other agreement or modification of the

Agreement you made with the Credit Union regarding your Account. If this is a joint account, the section on Joint Accounts below also applies to your Account.

Illegal Transactions and Gambling Transactions. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. If you use your Card for an illegal transaction, you are responsible for all amounts or charges connected with the transaction. You may not use your Card to initiate any type of gambling transaction. You promise to use your Account for personal, family, or household purposes. We reserve the right to deny transactions or authorizations from merchants who may be engaging in the internet gambling business or in illegal activity. We are not responsible for anyone who refuses to accept your Card. We may decline any transaction at any time.

Grace Period. In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total New Balance shown on your statement within 28 days of the statement closing date. Otherwise, the finance charge on

1 2 3No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:1c22af8254cea3f196c902c04c76e32639a7565f6f7c80cfda233e1ccbf64509
“10.99%-17.99%”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:fcb2038fbe677fafd3908490f21c23b83d568e0182f5c9774365f26629280c49
“Read Full Disclosures”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:fcb2038fbe677fafd3908490f21c23b83d568e0182f5c9774365f26629280c49
“Terms and Conditions”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:fcb2038fbe677fafd3908490f21c23b83d568e0182f5c9774365f26629280c49
“. All APRs are based on credit worthiness. See product pages for additional information. Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. $0 (0% of the Foreign Transaction balance amount in U.S. dollars). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is $35.00. …”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:919b89f01730f1a822e4b01518473d606fc43d77b777c6bebaa1be37143150f5
“If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:fcb2038fbe677fafd3908490f21c23b83d568e0182f5c9774365f26629280c49
“If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:fcb2038fbe677fafd3908490f21c23b83d568e0182f5c9774365f26629280c49
“10.99%-17.99%”
Additional source detail; structured values remain unknown. APR range retained; no capture-effective date supplied.
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:f3434fb388169f65aa219ae78bd909ccb17fec6bb170282ef4f031094919aa3c
“. Your APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. We calculate your rate by adding a margin of 3.99%-14.99% to the Prime Rate. The result is your APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater…”
Additional source detail; structured values remain unknown. APR retained without a typed rate: the supplied artifact has no capture timestamp and the stated date is not a literal ISO date accepted by the reviewed APR planner.
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:f3434fb388169f65aa219ae78bd909ccb17fec6bb170282ef4f031094919aa3c
“For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives; or (b) the government- mandated rate in effec…”
Additional source detail; structured values remain unknown. The summary states a 1.1% fee for all foreign transactions; the agreement instead distinguishes 0.90% plus 0.20% for foreign currency. A consolidated numeric fee is withheld; both descriptions establish that foreign transactions are not fee-free.
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2ef87db71a5131a0ff0192f33ae69038583e14f624f9cd83a207959edfa3b22
“10.99%”
Additional source detail; structured values remain unknown. APR retained without a typed rate because the supplied capture metadata has no date and no qualifying literal ISO effective date is stated.
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2ef87db71a5131a0ff0192f33ae69038583e14f624f9cd83a207959edfa3b22
“Cash advance fee of up to 5.0% of amount advanced ($10.00 minimum)”
Additional source detail; structured values remain unknown. Cash advance fee is up to 5%, with a $10 minimum; an exact percentage is not disclosed.
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:919b89f01730f1a822e4b01518473d606fc43d77b777c6bebaa1be37143150f5
“10.99%-17.99%”
Additional source detail; structured values remain unknown. APR retained verbatim; the inputs provide no capture date or usable stated effective date.
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:fcb2038fbe677fafd3908490f21c23b83d568e0182f5c9774365f26629280c49
“Citadel Choice Mastercard”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:f3434fb388169f65aa219ae78bd909ccb17fec6bb170282ef4f031094919aa3c
“This Agreement establishes my request for the issuance of a Mastercard upon approval by Citadel. (a) The credit limit approved shall be determined by Citadel, and this credit limit will be drawn upon as I utilize an issued Mastercard Credit Card. (b) The line of credit will be repaid in accordance with terms and conditions issued by Mastercard International, Inc., and in accordance with policies …”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2ef87db71a5131a0ff0192f33ae69038583e14f624f9cd83a207959edfa3b22
“Choice Mastercard”
Open source link ↗
CITADEL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:919b89f01730f1a822e4b01518473d606fc43d77b777c6bebaa1be37143150f5
“Citadel Choice Mastercard”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Issuer link, Purchase APR

Offered through: Citadel Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 2099
Branches: 28 in PA
Sources: Official issuer · 1 document · 0 pages cited

Documents

3877_Choice_L360_rate-APR26-v3effective date not parsed

Choice MastercardCitadel Credit Union · federal credit union, PA · NCUA 2099

Rates and fees