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Been with Citadel Since Age 13
“I’ve been with Citadel since I was 13 and had my first job. Now I use them for my car loans and credit cards, and I will probably use them when I buy my first house. I love Citadel!”
Transfer Your Balance & Enjoy Low Rates
Transfer your balance today
Do you currently have a Citadel credit card? Here are easy ways to transfer your balances from high rate credit cards to a low rate Citadel Mastercard:
- Log in to Online Banking. 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.
- Visit one of our branches
Quick Tips for a Smooth Balance Transfer
✔ Plan ahead for peace of mind. To keep things running smoothly, submit your balance transfer request about two weeks before your creditor’s payment due date. It gives everything time to process—no rush, no stress.
✔ Cut it close? No worries. If you’re submitting within that two‑week window, just be sure to make your minimum payment to your current creditor. That small step helps you avoid any late fees while your transfer is on its way.
See How Much You Could Save with a Balance Transfer
Move your high‑interest balances to a Citadel credit card and compare your potential savings with our calculator below.
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
AS LOW AS
14.99%APR
Cash Rewards Mastercard
variable APR
AS LOW AS
10.99%APR
Choice Mastercard
variable APR
AS LOW AS
13.99%APR
World Mastercard
variable APR
Choose the Citadel Mastercard that's right for you
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Hear From Our Customers
Citadel Customers For Over 18 Years
“My wife and I have been Citadel customers for over 18 years. When we moved to Brazil to work as missionaries in 2017, it was very difficult to make ATM withdrawals and credit card transactions. Deneen and Whitney, in the Call Center, went beyond the extra mile to help us get our accounts working. They stayed on the phone until everything worked. We were so thankful, we visited the corporate office when we were home and actually met them. We will always bank at Citadel, they are truly like family.”
Balance Transfer Frequently Asked Questions
Are there fees or limits for balance transfers?
Yes. balance transfers to a Citadel Mastercard are subject to fees, limits, and interest charges.
- A balance transfer fee of 5% of the amount transferred applies, with a $5 minimum fee. The fee is posted to your account on the same day the balance transfer is processed.
- Balance transfers are subject to a limit of up to 40% of your total credit line. The amount you can transfer will depend on your available credit and account eligibility.
- Balance transfers to a Citadel Mastercard are treated as cash advances, which means interest begins accruing immediately when the transfer is processed.
- Your Citadel account must be in good standing to be eligible for a balance transfer. This includes:
- No negative balances
- No delinquent or charged-off loans
- No unresolved returned deposits or unpaid fees
- You must also maintain a minimum of $1 savings balance
Before submitting a balance transfer request, review your available credit, applicable fees, and interest rate to determine how much you can transfer and what charges may apply.
What are the benefits of doing a balance transfer?
A balance transfer can help you save money by moving debt from a higher-interest credit card to a lower-rate card. Depending on your card's terms, this may reduce interest charges and allow more of your payment to go toward paying down your balance.
It can also simplify your finances. If you have balances on multiple credit cards, you may be able to combine them into a single account, making payments easier to manage and track.
For some members, a balance transfer can be an effective way to pay off debt faster. Lower interest costs and fewer payments to manage can make it easier to stay on track and work toward financial goals.
Want to learn more? Read What Is a Credit Card Balance Transfer? for a deeper look at how balance transfers work and what to consider before getting started.
How do I do a Balance Transfer to my Citadel Mastercard?
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..
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.
All Mastercard Accounts
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 14.99%-17.99% for Cash Rewards Mastercard, APR will be a variable rate of 13.99%-17.99% for World Mastercard, APR will be a variable rate of 10.99%-17.99% for Choice Mastercard, and APR will be a variable rate of 14.99%-17.99% for Business Rewards 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 up to 5% of amount advanced ($10 minimum). Late fee is up to $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. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
