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Citadel Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases10.99%–17.99% variableCITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual fee—
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
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, 2026Website
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, 2026Website
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, 2026Website
APR qualificationsPurchase · Regular10.99%-17.99%CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website