*Information accurate as of and is subject to change without notice. Applicant must be at least 18 years of age. All Offers subject to credit approval, actual APR based on credit worthiness. Additional terms and conditions may apply, depending on the type of collateral and other terms offered or chosen. Incomplete and/or inaccurate 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. This product has a Variable APR (Annual Percentage Rate), which can vary with the market based on the Prime Rate. We use the most recent Index value as of the 25th day of the month preceding any APR adjustment, the APR is subject to change on the 26th day after the Index value changes. Standard rates range from 13.99% - 17.99% APR. Interest will begin to accrue as of the transaction date, minimum advance is $100. Late fee is up to 5% of minimum payment required. Returned Payment Fee is up to $20.00.
**$5.00 overdraft transfer from your savings or loan account.
Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.
If you are not currently a customer, Citadel will open a savings account in your name upon approval and fund it with a $5.00 initial deposit. This savings account will give you access to a variety of Citadel's products and services.