Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

Close Alert

Does Citadel offer a Skip-A-Pay program?

Frequently Asked Question

For those times in life when you need a little extra cash, skipping a loan payment might be a good solution. With Citadel’s Skip-a-Pay, for a $35 fee you can skip your next auto loan payment for the next month it is due. It’s easy to skip payments yourself through Online Banking or the Citadel Mobile App. Find out if you have an eligible loan today.

  1. Log into your Citadel Online Banking account or Mobile App
  2. From the 3 dot menu in desktop or from the ‘More’ section of the menu in mobile click 'Skip A Pay'. You will need to accept the Terms and Conditions before continuing.
  3. Select the loan you would like to skip and select the account you would like to draw the fee from, click review and submit, and you are done

If you have multiple auto loans with different ownership you will need to utilize the switch account feature to access other loans.

Citadel Credit Union routing number

Routing #

231380104

prefooter-icon-clock

Branch Hours: Mon - Fri 9:00 a.m.-5:00 p.m.

Saturday: 9:00 a.m.-1:00 p.m. *Hours may vary by location

Please Note: New 2026 branch hours have taken effect. Visit Citadelbanking.com/Locations for details.

prefooter-icon-phone

(800) 666-0191

Customer Service

Live Video Call

WAYS TO CONNECT

Chat Virtually

You’re Leaving Citadel’s Website

By proceeding, please note you will be leaving Citadel’s website. This linked site is not operated or monitored by Citadel Credit Union and our privacy and security policies do not apply. Citadel is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, accuracy, products, or services that are offered or expressed on other websites.

OK Cancel
top