A consumer financial transaction system enables a consumer to make transactions via a transaction device. The system has a database storage device for maintaining several databases which are configured to store information corresponding to accounts held by each of the consumers. The server maintains a compute interest pledge module configured to calculate a credit interest rate corresponding to one or more deposit accounts maintained by the consumer, at least of portion of which is pledged by the consumer as a security against the consumer's credit account. In another embodiment, a secondary transaction module is configured to store preferences for apportioning a withdrawal for a transaction between a consumer's credit account and a consumer's deposit accounts.