Credit union · NCUA insured
Citadel Credit Union Credit Card Rates
Top CarrotCitadel Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Citadel Credit Union’s credit card rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Citadel Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Citadel Credit Union
10.99%APR
- Up to
- 17.99% APR
Choice Mastercard
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Forge Credit Union
7.99%APR
- Up to
- 17.99% APR
Citadel Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citadel Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Rewards Mastercard
Annual fee is $0. Introductory offer valid for new accounts opened between October 1, 2026 and December 31, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | Introductory 0% APR for 15 months from date of account opening for new purchases and balance transfers. Offer available to new accounts opened between Oct 1, 2026 and Dec 31, 2026. Not available for business accounts. Balance transfer fee: greater of $5 or 5%. |
| Ongoing | 14.99%–17.99% | None | Variable APR based on creditworthiness. Maximum APR is 17.99%. |
Sources (2)
- citadelbanking.com/borrow/borrow-credit-cards
- citadelbanking.com/bank/credit…s-mastercard-disclosures
All captured Oct 16, 2026
Choice Mastercard
Applicants must be at least 18 years of age and subject to credit approval. Non-members will have a savings account opened with a $1 initial deposit upon approval. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–17.99% | None | Variable APR based on creditworthiness, calculated by adding a margin of 3.99% - 14.99% to the Prime Rate. Maximum APR is 17.99%. |
World Mastercard
Applicants must be at least 18 years of age and subject to credit approval. Non-members will have a savings account opened with a $1 initial deposit upon approval. Annual fee is $0, 0% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99%–17.99% | None | Variable APR based on creditworthiness, calculated by adding a margin of 6.99% - 14.99% to the Prime Rate. Maximum APR is 17.99%. |
Who can join Citadel Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.