Help on choosing between two loans

[Gin&Juice]

I didnt think my credit was so excellent, but I didnt even need a cosigner, and got pretty good rates.

Im trying to decide between

Access Group:  3 month LIBOR + 2.55
Citibank:  Prime rate + 0

Neither one has origination or repayment fees, both offer sufficient time frame for payback. 

Any thoughts?  I think the current Prime rate is at 6.0, while the 3 month LIBOR for June is at 3.47 if i'm not mistaken.

[ErinKG]

Did you compare the incentives?