Log in
No Fees & 3.99% APR for 9 Months on Balance Transfers*
Special Offer: Transfer a Balance
Ready to simplify and consolidate your other credit card balance(s) to your Citadel card? Your Citadel Mastercard® may offer much lower interest rates than other large credit card companies, so you can make your monthly payments more manageable. For a limited time, you’ll get a low rate of 3.99% APR for 9 months on any balance you transfer, plus you’ll pay no balance transfer fees.*
Transferring a balance is easy and can be done in Online Banking in less than 5 minutes! Log in and select the Balance Transfer tile to get started for free.
Or you can video chat, schedule an appointment, call 800-666-0191, or stop by a branch to complete a balance transfer.
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
Log in to transfer a balance in Online Banking.
Get StartedWhy Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
Balance Transfer Frequently Asked Questions
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.
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.
Transferring balances to your Citadel Mastercard is simple! Log into Online Banking and navigate to your credit card account and select the Card Services tab. Select the Balance Transfer tile and fill out the information to transfer your balance from an external card to your Citadel Mastercard..
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.
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 15.49%-17.99% for Cash Rewards Mastercard, APR will be a variable rate of 14.49%-17.99% for World Mastercard and APR will be a variable rate of 11.49%-17.99% for Choice Mastercard. 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. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder Terms and Conditions. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
* APR Promotional Offer: For qualified applicants, introductory APR is 3.99% for 9 months from credit card open date for balance transfers, then the standard APR applies. Standard APR and credit card approval based on creditworthiness. New and Existing Citadel Choice, Cash Rewards or World Mastercard accounts only. The promotional APR does not apply to cash advances. Offer may be modified or withdrawn at any time. APR Promotional offer expires March 1, 2025.
